Stamp Duty on $900K Property — NSW
Stamp duty on a $900,000 property in New South Wales is $35,235.00. See total costs, first home buyer savings, and compare to other states.
Last verified: 1 July 2025Stamp Duty: $35,235.00
On a $900,000 property in New South Wales, stamp duty is $35,235.00 at an effective rate of 3.91% (2025-26 rates).
Cost Breakdown
| Property price | $900,000 |
| Stamp duty (standard buyer) | $35,235.00 |
| Effective stamp duty rate | 3.91% |
| Legal / conveyancing fees (est.) | $2,000.00 |
| Building & pest inspection (est.) | $500.00 |
| Total purchase cost | $937,735.00 |
First Home Buyer Stamp Duty — NSW
You save $17,618.00
First home buyers pay $17,617.00 in stamp duty on a $900,000 property in New South Wales, compared to $35,235.00 for a standard buyer.
Total purchase cost with FHB concession: $920,117.00
Foreign Buyer Stamp Duty
Foreign purchasers pay an additional 8% surcharge ($72,000.00) on top of standard stamp duty.
Total foreign buyer stamp duty: $107,235.00
Stamp Duty on $900K — All States
| State | Stamp Duty | Effective Rate |
|---|---|---|
| New South Wales | $35,235.00 | 3.91% |
| Victoria | $49,070.00 | 5.45% |
| Queensland | $33,525.00 | 3.72% |
| Western Australia | $38,929.00 | 4.33% |
| South Australia | $43,330.00 | 4.81% |
| Tasmania | $35,685.00 | 3.96% |
| Australian Capital Territory | $34,643.00 | 3.85% |
| Northern Territory | $53.00 | 0.01% |
Mortgage Impact — Adding Stamp Duty to Your Loan
If you add $35,235.00 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) | $4,433.16 |
| Monthly repayment (with stamp duty in loan) | $4,650.11 |
| Extra per month | +$216.95 |
| Extra interest paid over 30 years | $42,866.26 |
Paying stamp duty upfront saves you $42,866.26 in interest over the life of your loan.
Calculate a Different Amount
Frequently Asked Questions
How much is stamp duty on a $900,000 house in New South Wales?
Stamp duty on a $900,000 property in New South Wales is $35,235.00 for a standard buyer (2025-26 rates). This is an effective rate of 3.91%.
Do first home buyers pay stamp duty in New South Wales?
First home buyers in New South Wales pay $17,617.00 in stamp duty on a $900,000 property — a saving of $17,618.00 compared to standard rates.
What are the total costs of buying a $900,000 property in New South Wales?
The total estimated cost is approximately $937,735.00, which includes the purchase price ($900,000), stamp duty ($35,235.00), 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.