Duty on the median home, postcode by postcode
The median sale in each postcode for the March 2026 quarter, from the NSW Rent and Sales Report, run through the 2026-27 brackets. DCJ only publishes a median where more than 30 homes sold, so some postcodes show units or houses but not both. A median is a midpoint, not a valuation.
| Postcode | Unit median | Duty | First home buyer | House median | Duty |
|---|---|---|---|---|---|
| 2060 Lavender Bay, McMahons Point, North Sydney | $1,260,000 | $50,887 | No concession | – | – |
| 2064 Artarmon | $1,085,000 | $43,012 | No concession | – | – |
| 2065 Crows Nest, Greenwich, Naremburn | $1,260,000 | $50,887 | No concession | $3,500,000 | $173,787 |
| 2066 Lane Cove, Lane Cove North, Lane Cove West | $938,000 | $36,397 | $27,039 | $3,425,000 | $169,662 |
| 2067 Chatswood, Chatswood West | $1,160,000 | $46,387 | No concession | – | – |
| 2068 Castlecrag, Middle Cove, North Willoughby | $1,430,000 | $59,937 | No concession | $3,600,000 | $179,287 |
| 2069 Castle Cove, Roseville, Roseville Chase | – | – | – | $4,200,000 | $217,237 |
| 2073 Pymble, West Pymble | – | – | – | $3,241,000 | $159,542 |
| 2074 North Turramurra, South Turramurra, Turramurra | – | – | – | $3,263,000 | $160,752 |
| 2075 St Ives, St Ives Chase | – | – | – | $3,000,000 | $146,287 |
| 2076 Normanhurst, North Wahroonga, Wahroonga | – | – | – | $2,400,000 | $113,287 |
| 2077 Asquith, Hornsby, Hornsby Heights | $750,000 | $27,937 | $0 | $1,931,000 | $87,492 |
| 2088 Mosman | $1,250,000 | $50,437 | No concession | $5,730,000 | $324,337 |
| 2086 Frenchs Forest | – | – | – | $2,500,000 | $118,787 |
| 2095 Manly | $2,200,000 | $102,287 | No concession | – | – |
| 2096 Curl Curl, Freshwater, Queenscliff | $1,358,000 | $55,977 | No concession | – | – |
| 2099 Cromer, Dee Why, Narraweena | $1,100,000 | $43,687 | No concession | $2,920,000 | $141,887 |
| 2100 Allambie Heights, Beacon Hill, Brookvale | – | – | – | $2,500,000 | $118,787 |
| 2112 Denistone East, Putney, Ryde | $745,000 | $27,712 | $0 | $2,853,000 | $138,202 |
| 2113 East Ryde, Macquarie Park, North Ryde | $905,000 | $34,912 | $20,573 | – | – |
| 2114 Denistone, Denistone West, Meadowbank | $753,000 | $28,072 | $0 | – | – |
| 2118 Carlingford | $763,000 | $28,522 | $0 | – | – |
| 2120 Pennant Hills, Thornleigh, Westleigh | $1,370,000 | $56,637 | No concession | $2,010,000 | $91,837 |
| 2121 Epping, North Epping | $820,000 | $31,087 | $3,918 | $2,408,000 | $113,727 |
| 2122 Eastwood, Marsfield | $961,000 | $37,432 | $31,545 | $2,660,000 | $127,587 |
| 2153 Baulkham Hills, Bella Vista, Norwest | $955,000 | $37,162 | $30,369 | $1,950,000 | $88,537 |
| 2154 Castle Hill | $995,000 | $38,962 | $38,207 | $2,600,000 | $124,287 |
| 2155 Beaumont Hills, Kellyville, Kellyville Ridge | $697,000 | $25,552 | $0 | $1,808,000 | $80,727 |
For a first home, the concession only reaches the cheaper unit postcodes. A first home buyer pays nothing on the median unit in 2077, 2112, 2114, 2118, 2155, and a reduced amount in 2066 ($27,039), 2113 ($20,573), 2121 ($3,918), 2122 ($31,545), 2153 ($30,369), 2154 ($38,207). Every other median unit here is past $1,000,000, and so is every median house.
On houses, duty runs from $80,727 to $324,337 on the medians in this table, all of it cash on settlement day. For an upgrader it comes out of the same sale proceeds as the deposit, so whatever goes on duty has to be borrowed instead.
The same four buyers
These are the made-up buyers from our borrowing power and repayment calculators, run through the duty brackets. The Epping buyer’s $820,000 median unit sits inside the concession band, so duty drops from $31,087 to $3,918. The Chatswood couple bought before, so they pay the full $46,387 on a $1,160,000 unit.
The 2026-27 NSW transfer duty rates
These are the brackets the calculator runs, from Revenue NSW, retrieved 2026-07-16. NSW indexes the thresholds each July.
| Dutiable value (2026-27) | Transfer duty |
|---|---|
| $0 – $18,000 | $1.25 per $100 (minimum $20) |
| $18,001 – $38,000 | $225 plus $1.50 per $100 over $18,000 |
| $38,001 – $103,000 | $525 plus $1.75 per $100 over $38,000 |
| $103,001 – $387,000 | $1,662 plus $3.50 per $100 over $103,000 |
| $387,001 – $1,290,000 | $11,602 plus $4.50 per $100 over $387,000 |
| Over $1,290,000 | $52,237 plus $5.50 per $100 over $1,290,000 |
| Premium (residential over $3,870,000) | $194,137 plus $7.00 per $100 over $3,870,000 |
Two details catch people. The amount over each threshold rounds up to the next $100 before the rate applies, so duty lands a little above a straight percentage. And the premium rate applies only to high-value residential land. It isn’t a general top bracket.
First home buyers
Under the First Home Buyers Assistance Scheme, for contracts from 1 July 2023, an eligible buyer of a new or existing home pays no duty up to $800,000 and a reduced amount below $1,000,000. Our first home buyer stamp duty guide covers who qualifies, the 12-month residence rule and the $10,000 new homes grant.
Near the top of the band the concession is worth too little to stretch for, whatever an agent says about getting under $1,000,000. Ansa runs our first-home work, and the duty goes into the cash-to-settle figure before we talk to a lender, because a concession you turn out not to get is money you need on the day. What we can’t do is tell you that you qualify. Revenue NSW decides, and your conveyancer applies.