Stamp Duty on $800K Property — NSW
Stamp duty on a $800,000 property in New South Wales is $30,735.00. See total costs, first home buyer savings, and compare to other states.
Last verified: 1 July 2025Stamp Duty: $30,735.00
On a $800,000 property in New South Wales, stamp duty is $30,735.00 at an effective rate of 3.84% (2025-26 rates).
Cost Breakdown
| Property price | $800,000 |
| Stamp duty (standard buyer) | $30,735.00 |
| Effective stamp duty rate | 3.84% |
| Legal / conveyancing fees (est.) | $2,000.00 |
| Building & pest inspection (est.) | $500.00 |
| Total purchase cost | $833,235.00 |
First Home Buyer Stamp Duty — NSW
You save $30,735.00
First home buyers pay $0.00 in stamp duty on a $800,000 property in New South Wales, compared to $30,735.00 for a standard buyer.
Total purchase cost with FHB concession: $802,500.00
Foreign Buyer Stamp Duty
Foreign purchasers pay an additional 8% surcharge ($64,000.00) on top of standard stamp duty.
Total foreign buyer stamp duty: $94,735.00
Stamp Duty on $800K — All States
| State | Stamp Duty | Effective Rate |
|---|---|---|
| New South Wales | $30,735.00 | 3.84% |
| Victoria | $43,070.00 | 5.38% |
| Queensland | $29,025.00 | 3.63% |
| Western Australia | $33,779.00 | 4.22% |
| South Australia | $37,830.00 | 4.73% |
| Tasmania | $31,185.00 | 3.90% |
| Australian Capital Territory | $28,623.00 | 3.58% |
| Northern Territory | $42.00 | 0.01% |
Mortgage Impact — Adding Stamp Duty to Your Loan
If you add $30,735.00 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) | $3,940.59 |
| Monthly repayment (with stamp duty in loan) | $4,129.83 |
| Extra per month | +$189.24 |
| Extra interest paid over 30 years | $37,391.65 |
Paying stamp duty upfront saves you $37,391.65 in interest over the life of your loan.
Calculate a Different Amount
Frequently Asked Questions
How much is stamp duty on a $800,000 house in New South Wales?
Stamp duty on a $800,000 property in New South Wales is $30,735.00 for a standard buyer (2025-26 rates). This is an effective rate of 3.84%.
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 $800,000 property — a saving of $30,735.00 compared to standard rates.
What are the total costs of buying a $800,000 property in New South Wales?
The total estimated cost is approximately $833,235.00, which includes the purchase price ($800,000), stamp duty ($30,735.00), 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.