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What buying a home costs, before you sign

On a $750,000 home in New South Wales, transfer duty alone is $27,937. Work out yours, see what first home buyer relief removes, and learn what a conveyancing quote should list.

Calculate duty Read a conveyancing quote

Worked example

Transfer duty on a NSW home

Jurisdiction
New South Wales
Purchase price
$750,000
Duty at general rates
$27,937 1
If a first home buyer who lives in it
$0 2

From Revenue NSW rates for 2026/2027, checked 16 September 2026. An independent site, not a government page.

Estimate the duty on your purchase

Pick the state, enter the price and answer three questions. The result updates as you go.

1.1State or territory

Usually the contract price, in whole dollars.

1.3What are you buying?

Vacant land and brand-new homes are treated differently in several states.

1.4Will you live in it (or build your home on it)?
1.5Are you a first home buyer?

Duty payable

$27,937

Revenue NSW general rates, 2026/2027

  • NSW has one general rate schedule, so living in the property does not change this figure.

Official source: Revenue NSW transfer duty rates

General information, not legal advice. Worked from the published rate schedules and rounded to the nearest dollar. It leaves out foreign purchaser duty, off-the-plan, pensioner and other concessions, and cannot check your eligibility. The revenue office assesses the duty on your contract.

First home buyer relief moves often

Every state sets its own limits, and several changed this year. A few of the current ones for a home:

  • New South Wales: no duty for an eligible first home buyer on a home of $800,000 or less2.
  • Victoria: no duty up to $600,000, and reduced duty up to $750,0005.
  • Queensland: no duty on an established first home of $700,000 or under8, and none on a brand-new one whatever the price9.
  • Western Australia: no duty on a first home up to $600,000 for transactions from 7 May 202610.
  • Tasmania: the first home exemption for established homes does not apply to transactions settling after 30 June 202611.

All eight states and territories, including vacant land and residence rules

How long you have to change your mind

A private sale in NSW gives you 5 business days after exchange3; in Victoria it is 3 clear business days from the day you sign6. Neither state gives you any at auction47.

What pulling out costs, and how to use the days

Guides

  1. 1. Stamp duty calculator Tool
  2. 2. Stamp duty and first home buyer relief by state All states
  3. 3. NSW transfer duty and the first home buyer exemption NSW
  4. 4. Victorian stamp duty and the concessions that cut it VIC
  5. 5. Queensland transfer duty and the first home concession QLD
  6. 6. Conveyancing fees: what a quote should include Fees
  7. 7. Disbursements: the costs on top of the fee Fees
  8. 8. Conveyancer or solicitor: who can handle your purchase Who acts
  9. 9. Cooling-off periods and what it costs to withdraw Contracts
  10. 10. Settlement: what happens and what you pay Settlement
  11. 11. The total cost of buying a home: a sourced checklist Costs

Notice to conveyancers and property lawyers

We build and run websites for conveyancing firms and property law practices: one managed plan at A$249 a month plus A$499 setup (GST may apply), with a 12-month minimum term. The page also explains how buyer quote requests will work.

Websites for conveyancers

Comparing conveyancing quotes

Look at the professional fee and the disbursements separately. The second line is where two quotes for the same purchase usually part company.

Quote requests are not open yet

Nothing can be sent from this page at the moment, so there is no form to fill in. While that is the case:

  • Work out the duty first with the stamp duty calculator.
  • Ask two or three firms for a written quote, and compare them with the fees guide.
  • Check each firm's licence or practising certificate on your state regulator's public register.