Stamp duty on a $625,000 house in NSW
New South Wales · transfer duty
$22,312
Transfer duty on a $625,000 property in New South Wales at the standard rate. Verified 16 July 2026, source: Revenue NSW.
First home buyer: $0
A $625,000 value falls in the $387,001 to $1,290,000 band, where duty is $11,602 + $4.50 per $100 over $387,000 — $22,312 in total.
Stamp duty calculator
NSW$22,312 transfer duty
- Standard (general) duty
- $22,312
NSW figures from Revenue NSW. Estimate only — your conveyancer and the revenue office confirm the exact duty. Full breakdown for $625,000 in NSW →
What a first home buyer or owner-occupier pays
$22,312Standard / 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 $625,000
| Deposit | Deposit amount | Loan | Approx. monthly | Indicative LMI |
|---|---|---|---|---|
| 20% (no LMI) | $125,000 | $500,000 | $2,997.75 | $0 |
| 10% | $62,500 | $562,500 | $3,372.47 | $10,125 |
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 $625,000 | |
|---|---|---|
| New South Wales | $22,312 | |
| Victoria | $32,570 | view |
| Queensland | $21,150 | view |
| Western Australia | $23,702.50 | 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 $625,000 property in New South Wales?
- Transfer duty is $22,312 at the NSW general rate for a $625,000 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 $22,312 duty is separate from the $625,000 price and is normally paid at settlement. On a 20% deposit of $125,000, budget for the duty as an additional upfront cost.
- What deposit and loan do I need for a $625,000 home?
- A 20% deposit is $125,000, leaving a $500,000 loan (about $2,997.75 a month at 6% over 30 years, no LMI). With a 10% deposit of $62,500 the loan is $562,500 and indicative LMI is around $10,125.
- 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 $22,312 owner-occupier figure — confirm the current surcharge rate with Revenue NSW.