New South Wales · 2026-27

Stamp duty on $3,000,000 in NSW

Transfer duty on a $3,000,000 property in New South Wales is $146,287.00 — an effective rate of 4.88% of the purchase price.

Purchase price	$3,000,000.00
Transfer duty	$146,287.00
Foreign purchaser surcharge (9%)	$270,000.00
Effective rate	4.88%

Try a different price

Transfer duty

$146,287.00

in New South Wales — 4.88% of the purchase price

Purchase price	$3,000,000.00
Transfer duty	$146,287.00
With home concession	$0.00
Foreign purchaser surcharge	$0.00
Total payable	$146,287.00

How this is worked out

Duty is charged on the dutiable value, which is normally the purchase price or the property's market value, whichever is higher. The band that applies at $3,000,000 in New South Wales:

Dutiable value	Duty
$0 – $18,000	$1.25 per $100 over $0
$18,000 – $38,000	$225 + $1.50 per $100 over $18,000
$38,000 – $103,000	$525 + $1.75 per $100 over $38,000
$103,000 – $387,000	$1,662 + $3.50 per $100 over $103,000
$387,000 – $1,290,000	$11,602 + $4.50 per $100 over $387,000
$1,290,000 – $3,870,000your band	$52,237 + $5.50 per $100 over $1,290,000
Over $3,870,000	$194,137 + $7.00 per $100 over $3,870,000

The same property in other states

Duty varies enormously by jurisdiction. On $3,000,000 the cheapest is Tasmania at $130,185, and the dearest is Victoria at $175,000 — a difference of $44,815 on an identical purchase.

Jurisdiction	Duty	Vs NSW
Tasmania	$130,185.00	-$16,102
Australian Capital Territory	$136,200.00	-$10,087
Western Australia	$145,615.50	-$672
Queensland	$153,025.00	+$6,738
Victoria	$175,000.00	+$28,713

What is not included

First home buyer concessions and exemptions, which depend on your circumstances.
Mortgage registration and land transfer fees.
Land tax, which is annual rather than a purchase cost.

Rates verified against the New South Wales revenue office on 2026-09-09. Thresholds are indexed to CPI every 1 July, so this table changes annually. The top band is the residential premium rate.

Estimate only, not financial or legal advice. Confirm with the revenue office or your conveyancer. Methodology.

Open the full NSW calculator

Comparing purchase prices in New South Wales

At $3,000,000.00, standard transfer duty is $146,287.00 before any unmodelled concession. A change in purchase price also changes duty, so compare the combined upfront amount rather than the price alone.

Do not assume the standard table includes a first-home buyer concession. Eligibility, property type and contract date can change the result.

This 2026-27 example uses the jurisdiction schedule recorded as verified on 2026-09-09. Recheck the revenue office rules for your transaction date.

Purchase price	Standard duty	Duty change from this price
$2,500,000.00	$118,787.00	-$27,500.00
$3,000,000.00	$146,287.00	$0.00

Frequently asked questions

Does $3,000,000.00 in New South Wales qualify for a first-home concession?

Price alone does not establish eligibility. Buyer history, occupancy, property type and the rules at the contract date can matter. Confirm your circumstances with the revenue office before relying on a reduced amount.

Does this include every purchase cost?

No. Transfer duty is only one part of the budget. Conveyancing, inspections, registration, lender costs and any applicable foreign-buyer surcharge need separate consideration.

Can I use another state's duty result for this purchase?

No. This page uses New South Wales rules. Other jurisdictions have different schedules and concessions; use the state comparison as a comparison, not a substitute for the applicable rules.