New South Wales · FY 2026-27
Stamp duty on $750,000 in NSW
An owner-occupier buying at $750,000 in New South Wales pays $27,937 in transfer duty this financial year — 3.72% of the price, while an eligible first home buyer pays nothing at all. Every figure below comes from the official schedule.
Rates verified against the official sources — how we check.
The tally at $750,000
Duty only — the NSW calculator covers concessions and eligibility.
Right on a boundary
A first home buyer here is $50,000 under the $800,000 exemption cap — still completely duty-free.
Every buyer type at $750,000
| Buyer | Duty at $750,000 | Notes |
|---|---|---|
| Owner-occupier or investor | $27,937 | — |
| First home buyer (FHBAS) | $0 | New or existing home; duty-free to $800,000, concession phasing out at $1,000,000. |
| Foreign buyer (incl. 9% surcharge) | $95,437 | Surcharge on the full price, on top of duty. |
This is the heart of the Sydney-fringe and regional-NSW market, and the zone where the FHBAS decision bites hardest: full exemption to $800,000, then a taper that gives back less with every dollar of price to $1,000,000. Non-first-home buyers pay the general CPI-indexed schedule — NSW has no owner-occupier concession to soften it.
The same $750,000 in every other state
NSW ranks #3 of 8 for owner-occupier duty at this price. The cheapest jurisdiction at $750,000 is ACT ($19,208) and the dearest is VIC ($40,070):
| Jurisdiction | Owner-occupier duty at $750,000 |
|---|---|
| ACT | $19,208 |
| QLD | $19,600 |
| NSW ← this page | $27,937 |
| TAS | $28,935 |
| WA | $29,741 |
| SA | $35,080 |
| NT | $37,125 |
| VIC | $40,070 |
Standard owner-occupier treatment in each jurisdiction (QLD home concession, VIC PPR, ACT eligible owner-occupier; general rates elsewhere) — first-home relief excluded here.
The full upfront stack at $750,000
Duty is only one line of the day-one bill. With less than a 20% deposit, lenders mortgage insurance joins it — priced from published LVR bands by our LMI calculator:
| Path | Deposit | LMI (incl. its duty) | Duty + LMI |
|---|---|---|---|
| 20% deposit | $150,000 | $0 | $27,937 |
| 15% deposit | $112,500 | $8,498 | $36,435 (85% LVR) |
| 10% deposit | $75,000 | $15,977 | $43,914 (90% LVR) |
Owner-occupier duty used; LMI varies by lender and insurer, so treat it as indicative. NSW Land Registry Services's registration fees add $365.46 at this price ($182.73 transfer + $182.73 mortgage) — the state calculator itemises them live.
How duty moves around $750,000
Owner-occupier duty at each step of the NSW price ladder — click any price for its full breakdown:
| Price | Owner-occupier duty |
|---|---|
| $750,000 ← this page | $27,937 |
| $800,000 | $30,187 |
| $850,000 | $32,437 |
| $1,000,000 | $39,187 |
Stepping up from $700,000 added $2,250 of duty on the way to this price; stretching to $800,000 would add $2,250 more. Duty moves in per-$100 steps, so between the rungs it climbs almost linearly — the exact figure for any price in between is one visit to the calculator away.
Negotiating near $750,000? Run your exact figure — plus concessions, surcharges and government fees — through the NSW stamp duty calculator, or see how New South Wales compares with every other jurisdiction on the by-state comparison. And if this is a purchase you're saving for, the duty above is on top of your deposit — LMI applies under a 20% deposit.
Frequently asked questions
How much is stamp duty on $750,000 in NSW?
What does a first home buyer pay on $750,000 in NSW?
Is this the exact NSW figure or an estimate?
Why does $750,000 sit on a boundary in NSW?
Keep tallying
Source
Figures computed from the schedule published by Revenue NSW for FY 2026-27, by the same tested engines as the calculator — last verified 2026-08-27. Eligibility rules decide which schedule applies; see the NSW calculator for full sources and conditions, and how to calculate stamp duty for the method itself. General information only — not financial, legal or tax advice.