Tasmania Stamp Duty Calculator 2026-27
About to make an offer? Know the government costs before you sign.
Calculate stamp duty on property purchases in Tasmania. Includes first home buyer concessions, and full upfront cost breakdown. Updated for 2026-27 SRO Tasmania rates.
TAS stamp duty varies by purchase price and buyer type. Use calculator for exact figure.
Select the question that matches where you are right now.
Your result reflects the financial position of the property scenario you entered — based on current rates, market rules, and standard calculation methods used across the Australian property industry.
Use this as a planning figure. Compare different property prices, deposit sizes, or loan terms to see how each changes the outcome. Adjust inputs in Standard or Advanced mode for more detail.
Not a bank approval, valuation, or guarantee. Lenders apply their own policies, credit checks, and property assessments beyond what any calculator can model.
Calculations use current published rates and standard formulas. All processing runs in your browser — no data is sent to any server.
Property calculations are most sensitive to the interest rate, loan amount, and time horizon. Small changes to these inputs produce the largest shifts in your result.
A 0.5% rate change on a $500k loan shifts annual interest by ~$2,500. Use Standard mode to compare fixed vs variable rate scenarios.
Extending the loan term reduces repayments but increases total interest. Interest-only periods change cash flow but not total cost. Model both in Advanced mode.
The ratio of your loan to the property value affects LMI, rate pricing, and lender appetite. Crossing the 80% LVR threshold changes the cost structure significantly.
To improve your property outcome, focus on the inputs with the highest leverage — these typically produce more impact per dollar than broad changes.
A larger deposit reduces LVR, eliminates LMI at 80%, and may unlock better rate pricing. Even $10k–$20k extra deposit can shift the cost picture.
Credit card limits and personal loans reduce borrowing capacity dollar-for-dollar. Closing unused cards before applying is one of the fastest levers.
Rate, policy, and LVR treatment vary between lenders. A mortgage broker can identify the best fit for your specific profile and property type.
Property decisions involve multiple linked calculations. Use the related calculators to model the full picture before committing.
Confirm how much a lender would approve based on your income, debts, and expenses.
Borrowing capacity →Factor in transfer duty and other upfront costs so your total cash requirement is accurate.
Stamp duty calculator →See the monthly, fortnightly, and weekly repayment at different rates and terms.
Mortgage repayment →How NSW transfer (stamp) duty is calculated
Progressive scale
NSW transfer duty is calculated on a progressive scale based on the property's dutiable value. The 2026-27 duty rates for general purchases: $0 on the first $16,000; $1.25 per $100 from $16,001–$35,000; 1.5% from $35,001–$93,000; 1.75% from $93,001–$351,000; 4.5% from $351,001–$1,161,000; 5.5% above $1,161,000. These rates are substantially higher than most other states.
| Property value | Approx stamp duty (investor) | Approx stamp duty (owner-occ) |
|---|---|---|
| $400,000 | $13,490 | $13,490 |
| $600,000 | $22,490 | $22,490 |
| $800,000 | $31,335 | $0 (FHB exempt) |
| $1,000,000 | $40,335 | $24,085 (FHB concession) |
| $1,500,000 | $67,885 | $67,885 |
| $2,000,000 | $97,135 | $97,135 |
NSW first home buyer stamp duty exemptions and concessions
First Home Buyer Assistance Scheme
NSW first home buyers purchasing existing homes valued up to $800,000 pay no transfer duty. For properties between $800,001 and $1,000,000, a concessional (reduced) rate applies. For new homes and vacant land, the exemption threshold is $800,000 and the concession threshold is $1,000,000.
Eligibility requirements
You must be an Australian citizen or permanent resident, over 18, never previously owned residential property in Australia, and must occupy the property as your principal place of residence for at least 12 months within the first 12 months of settlement.
First Home Buyer Choice (Property Tax)
NSW introduced the First Home Buyer Choice in 2023, allowing eligible first home buyers purchasing properties up to $1.5 million to opt for an ongoing annual property tax instead of paying stamp duty upfront. The annual tax is $400 plus 0.3% of the unimproved land value for owner-occupiers, and $1,500 plus 1.1% for investors. This scheme is better for those planning to sell within 5–7 years; long-term holders typically pay less with stamp duty upfront.
First Home Buyer Choice — stamp duty vs annual property tax
Stamp duty vs annual property tax comparison
Choosing between stamp duty and the ongoing property tax depends primarily on how long you plan to hold the property. For a $700,000 purchase: upfront stamp duty is approximately $26,000. Annual property tax (typical unimproved land value ~40% of purchase price) is approximately $400 + $840 = $1,240/year. Break-even is approximately 21 years.
| Hold period | Stamp duty | Property tax total (cumulative) | Better option |
|---|---|---|---|
| 5 years | $26,000 | ~$6,200 | Property tax |
| 10 years | $26,000 | ~$12,400 | Property tax |
| 15 years | $26,000 | ~$18,600 | Property tax |
| 21 years | $26,000 | ~$26,040 | Break-even |
| 25+ years | $26,000 | ~$31,000+ | Stamp duty |
Foreign buyer surcharge on NSW property
8% surcharge
Foreign persons (non-citizens and non-permanent residents), foreign corporations, and trustees of foreign trusts pay an additional Foreign Purchaser Duty of 8% on the purchase price of NSW residential properties. This is in addition to standard transfer duty. On an $800,000 purchase, the foreign buyer surcharge adds $64,000 — bringing total upfront duty to approximately $95,000.
Who is a foreign person?
A foreign person includes non-citizens without permanent residency, temporary visa holders, and most foreign corporations. Australian citizens living overseas are not foreign persons. Approved permanent residents are not foreign persons. Joint purchases where one party is a foreign person attract the surcharge on that person's interest in the property.
NSW transfer duty rate table 2026-27
NSW transfer duty is calculated progressively — you pay each rate only on the income in that bracket, not your full property value.
| Property value bracket | Rate | Duty on this portion |
|---|---|---|
| $0–$16,000 | Nil | $0 |
| $16,001–$35,000 | $1.25 per $100 | Up to $238 |
| $35,001–$93,000 | 1.5% | Up to $870 |
| $93,001–$351,000 | 1.75% | Up to $4,515 |
| $351,001–$1,161,000 | 4.5% | Up to $36,450 |
| Above $1,161,000 | 5.5% of excess | Variable |
Premium property (over $3,343,000): 7% on the excess over $3,343,000.
❓ Frequently asked Frequently asked questions
How much is stamp duty on a $600,000 property in NSW?
For a standard purchase (non-first-home-buyer, owner-occupier or investor), the stamp duty on a $600,000 NSW property is approximately $22,490. First home buyers purchasing at $600,000 pay zero duty (below the $800,000 exemption threshold).
Is stamp duty different for investors vs owner-occupiers in NSW?
The base transfer duty rate is identical for investors and owner-occupiers in NSW — unlike QLD and VIC which have different rates. First home buyer exemptions and concessions only apply to owner-occupiers who will reside in the property.
Can I avoid stamp duty as a first home buyer in NSW?
First home buyers purchasing properties valued up to $800,000 pay zero transfer duty. For properties $800,001–$1,000,000, a concession applies. Alternatively, eligible buyers can opt for the First Home Buyer Choice (annual property tax) instead of upfront stamp duty.
When is stamp duty paid in NSW?
Transfer duty must be lodged and paid with NSW Revenue within 3 months of entering a contract for established homes, or 3 months of settlement for new properties. Your solicitor or conveyancer typically manages this as part of settlement.
What is the foreign buyer surcharge in NSW?
Foreign persons pay an additional 8% surcharge on the purchase price of NSW residential property, on top of standard transfer duty. On an $800,000 purchase, this adds $64,000 in additional duty.
Where these figures come from
Property and mortgage figures on this page are drawn from the Reserve Bank of Australia (rate data), APRA (serviceability and lending rules), the ATO (CGT and rental rules), and State Revenue Offices (stamp duty).
- Mortgage & variable-rate data — RBA — Lenders' Interest Rates (F6).
- Lending serviceability buffer (3%) — APRA — Prudential Practice Guide APG 223.
- Capital gains tax & main residence — ATO — Capital gains tax.
- Negative gearing & rental income — ATO — Rental properties.
- Stamp duty (NSW example) — Revenue NSW — Transfer duty.
- First Home Owner Grant schemes — FirstHome.gov.au.
Last checked: July 2026. Rates and thresholds are reviewed against the source of record each November, when annual adjustments for the following tax year are published.