Stamp Duty on $600K Property — NSW
Stamp duty on a $600,000 property in New South Wales is $21,735.00. See total costs, first home buyer savings, and compare to other states.
Last verified: 1 July 2025Stamp Duty: $21,735.00
On a $600,000 property in New South Wales, stamp duty is $21,735.00 at an effective rate of 3.62% (2025-26 rates).
Cost Breakdown
| Property price | $600,000 |
| Stamp duty (standard buyer) | $21,735.00 |
| Effective stamp duty rate | 3.62% |
| Legal / conveyancing fees (est.) | $2,000.00 |
| Building & pest inspection (est.) | $500.00 |
| Total purchase cost | $624,235.00 |
First Home Buyer Stamp Duty — NSW
You save $21,735.00
First home buyers pay $0.00 in stamp duty on a $600,000 property in New South Wales, compared to $21,735.00 for a standard buyer.
Total purchase cost with FHB concession: $602,500.00
Foreign Buyer Stamp Duty
Foreign purchasers pay an additional 8% surcharge ($48,000.00) on top of standard stamp duty.
Total foreign buyer stamp duty: $69,735.00
Stamp Duty on $600K — All States
| State | Stamp Duty | Effective Rate |
|---|---|---|
| New South Wales | $21,735.00 | 3.62% |
| Victoria | $31,070.00 | 5.18% |
| Queensland | $20,025.00 | 3.34% |
| Western Australia | $23,475.00 | 3.91% |
| South Australia | $26,830.00 | 4.47% |
| Tasmania | $22,498.00 | 3.75% |
| Australian Capital Territory | $17,978.00 | 3.00% |
| Northern Territory | $24.00 | 0.00% |
Mortgage Impact — Adding Stamp Duty to Your Loan
If you add $21,735.00 stamp duty to your home loan instead of paying upfront, here is how it affects your repayments (based on 80% LVR, 6.25% rate, 30-year term):
| Monthly repayment (without stamp duty in loan) | $2,955.44 |
| Monthly repayment (with stamp duty in loan) | $3,089.27 |
| Extra per month | +$133.83 |
| Extra interest paid over 30 years | $26,442.41 |
Paying stamp duty upfront saves you $26,442.41 in interest over the life of your loan.
Calculate a Different Amount
Frequently Asked Questions
How much is stamp duty on a $600,000 house in New South Wales?
Stamp duty on a $600,000 property in New South Wales is $21,735.00 for a standard buyer (2025-26 rates). This is an effective rate of 3.62%.
Do first home buyers pay stamp duty in New South Wales?
First home buyers in New South Wales pay $0.00 in stamp duty on a $600,000 property — a saving of $21,735.00 compared to standard rates.
What are the total costs of buying a $600,000 property in New South Wales?
The total estimated cost is approximately $624,235.00, which includes the purchase price ($600,000), stamp duty ($21,735.00), legal/conveyancing fees (~$2,000), and building/pest inspections (~$500).
General information and estimates only — not financial, tax, or legal advice. Always verify with a licensed adviser or the ATO.
Learn more
Complete guide to NSW stamp duty rates for 2025-26. Find out what you'll pay, first home buyer exemptions, and how the property tax option works.
Stamp Duty in Queensland 2025-26: Rates, Thresholds & ExemptionsEverything you need to know about QLD transfer duty. Current rates, first home concessions, and how foreign buyers pay extra surcharges.
NSW Stamp Duty Calculator 2025-26: How Much Will You Pay?Calculate your NSW stamp duty (transfer duty) for 2025-26. Covers standard rates, first home buyer exemptions, the First Home Buyer Choice property tax option, and foreign buyer surcharges.