Stamp duty on a $475,000 house in NSW
New South Wales · transfer duty
$15,562
Transfer duty on a $475,000 property in New South Wales at the standard rate. Verified 16 July 2026, source: Revenue NSW.
First home buyer: $0
A $475,000 value falls in the $387,001 to $1,290,000 band, where duty is $11,602 + $4.50 per $100 over $387,000 — $15,562 in total.
Stamp duty calculator
NSW$15,562 transfer duty
- Standard (general) duty
- $15,562
NSW figures from Revenue NSW. Estimate only — your conveyancer and the revenue office confirm the exact duty. Full breakdown for $475,000 in NSW →
What a first home buyer or owner-occupier pays
$15,562Standard / investor rate
$0First home buyer
Full exemption — a first home at or under $800,000 pays no duty. First home buyer duty in NSW →
Deposit, loan and repayments at $475,000
| Deposit | Deposit amount | Loan | Approx. monthly | Indicative LMI |
|---|---|---|---|---|
| 20% (no LMI) | $95,000 | $380,000 | $2,278.29 | $0 |
| 10% | $47,500 | $427,500 | $2,563.08 | $6,327 |
Repayments assume 6% p.a. over 30 years; LMI is an indicative estimate. Adjust the rate and term →
The same price in other states
| State | Duty on $475,000 | |
|---|---|---|
| New South Wales | $15,562 | |
| Victoria | $23,570 | view |
| Queensland | $15,050 | view |
| Western Australia | $16,577.50 | view |
Compare all eight states side by side →
NSW transfer duty schedule
| Dutiable value | Duty payable |
|---|---|
| Up to $18,000 | $1.25 per $100 (minimum $20) |
| $18,001 to $38,000 | $225 + $1.50 per $100 over $18,000 |
| $38,001 to $103,000 | $525 + $1.75 per $100 over $38,000 |
| $103,001 to $387,000 | $1,662 + $3.50 per $100 over $103,000 |
| $387,001 to $1,290,000 | $11,602 + $4.50 per $100 over $387,000 |
| $1,290,001 to $3,870,000 | $52,237 + $5.50 per $100 over $1,290,000 |
| Over $3,870,000 | $194,137 + $7.00 per $100 over $3,870,000 |
Nearby prices in NSW
Common questions
- How much is stamp duty on a $475,000 property in New South Wales?
- Transfer duty is $15,562 at the NSW general rate for a $475,000 property, calculated from the Revenue NSW schedule. As a first home buyer, this purchase is exempt — you would pay $0.
- Is stamp duty paid on top of the purchase price?
- Yes. The $15,562 duty is separate from the $475,000 price and is normally paid at settlement. On a 20% deposit of $95,000, budget for the duty as an additional upfront cost.
- What deposit and loan do I need for a $475,000 home?
- A 20% deposit is $95,000, leaving a $380,000 loan (about $2,278.29 a month at 6% over 30 years, no LMI). With a 10% deposit of $47,500 the loan is $427,500 and indicative LMI is around $6,327.
- Do foreign buyers pay extra duty in New South Wales?
- Foreign purchasers usually pay an additional surcharge on top of transfer duty. It is charged separately from the $15,562 owner-occupier figure — confirm the current surcharge rate with Revenue NSW.