Transfer duty and first-home concessions
Stamp duty in New South Wales or the Australian Capital Territory — what is the difference?
On a first home, up to $17,051 across the three prices below — and almost all of that gap is the first-home concession rather than the rates.
Same house, both jurisdictions
| Price | New South Wales · first home | Australian Capital Territory · first home | Difference |
|---|---|---|---|
| $600,000 | $365 | $657 | $292 |
| $750,000 | $365 | $657 | $292 |
| $900,000 | $17,708 | $657 | $17,051 |
And without first-home relief
| Price | New South Wales · next home | Australian Capital Territory · next home | Difference |
|---|---|---|---|
| $600,000 | $21,552 | $13,385 | $8,167 |
| $750,000 | $28,302 | $19,865 | $8,437 |
| $900,000 | $35,052 | $28,715 | $6,337 |
What the two tables say
The first-home gap swings by $16,760 across these three prices ($292, $292, $17,051), while the next-home gap moves far less ($8,167, $8,437, $6,337). Concession policy is what makes the first-home figure volatile — who qualifies, up to what price, and how fast it tapers. The underlying scales differ too, and by more than people expect: even with no relief on either side, these two are $6,337 to $8,437 apart.
Both columns are computed by the same engine the calculator runs, on the 2026–27 scales, for a citizen or permanent resident buying an established home. Registration fees are included; legal fees, inspections and any foreign purchaser surcharge are not.
What this rests on
Every figure above comes from one of these records. This list is generated from them, so it cannot fall out of step with the calculator.
- Revenue NSW — How to calculate transfer duty
- au.duty.nsw.transfer · effective 1 Jul 2026 · read 26 Aug 2026
- Taxation Administration (Amounts Payable—Duty) Determination 2026 (DI2026-155)
- au.duty.act.transfer · effective 1 Jul 2026 · read 30 Aug 2026