NSW first home buyers
First home buyer guide: New South Wales
Grants, stamp duty savings and eligibility for first home buyers in New South Wales, checked against official government sources on 13 October 2026.
First home owner grant: $10,000
First Home Owner (New Homes) Grant for new homes up to $600,000, or home-and-land packages up to $750,000. Not available for established homes.
Stamp duty savings
- New or established home: no transfer duty up to $800,000; a concessional rate applies under $1,000,000.
- Vacant land to build on: no transfer duty up to $350,000; a concessional rate applies under $450,000.
In the concession band, Revenue NSW calculates the reduced duty with its own calculator — confirm the exact amount there.
Who is eligible?
- Buy as an individual aged 18 or over, with at least one buyer an Australian citizen or permanent resident.
- Neither you nor your spouse or partner can have owned residential property in Australia before.
- Move in within 12 months and live there continuously for at least 12 months.
This is a summary. Full rules and exceptions are on the official pages linked above.
Other help
- Australian Government 5% Deposit Scheme — A federal scheme for first home buyers with a deposit from 5% (2% for eligible single parents). Run by Housing Australia, not the state.
Fixed-fee conveyancing for your first home
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Estimate your NSW stamp duty
Estimated NSW transfer duty (first home exemption)
$0.00
You may save $27,937.00 if you meet the eligibility rules.
Estimate only, using the Revenue NSW's published rates and first home thresholds (checked 13 October 2026). It does not apply other concessions, foreign purchaser duty or surcharges. Confirm with the Revenue NSW before signing.
Other states: Queensland · Victoria
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