Property Purchase Cost Calculator

Estimate Australian transfer duty and purchase costs, then model rental cash flow, tax assumptions and projected equity for an investment property.

Transfer duty uses the greater of the purchase price and market value. Rules are dated and limited to ordinary residential purchases; every other expense is editable.

Property and transaction

State or territory

Contract date

Purchase price ($)

Market value, if higher ($)

Enter 0 when the purchase price reflects market value.

Property type

Intended use

Deposit ($)

First-home concessionI am a first-home buyer

Other purchase expenses

Conveyancing or solicitor ($)

Building, pest or strata reports ($)

Loan and valuation fees ($)

Registration and settlement fees ($)

Buyer’s-agent fee ($)

LMI paid upfront ($)

Do not include LMI here if it will be added to the loan.

Settlement adjustments ($)

Allow for rates, water or strata adjustments advised by your conveyancer.

Other purchase costs ($)

Official or manual duty

Use this for an unsupported date, tapered NSW first-home concession, foreign purchaser, company or trust, mixed eligibility, partial interest, related transfer or another complex transaction.

Use a transfer-duty amount from an official calculator or assessmentCheck with Revenue NSW

Estimated cash needed upfront

$196,087

Deposit plus estimated transfer duty and the purchase expenses entered here.

Transfer duty estimate

$30,187

General residential rate

Dutiable value: $800,000
Duty before first-home relief: $30,187
Estimated concession saving: $0

Upfront cash breakdown

Deposit: $160,000
Transfer duty: $30,187
Other purchase expenses: $5,900
Total purchase costs: $36,087
Cash required: $196,087

Assumptions, coverage and sources

Duty schedules were checked against official state and territory sources on 15 September 2026. The supported period for NSW is 2026-07-01 to 2027-06-30. Rates may change after verification.

The estimate covers an ordinary purchase of 100% of residential property by individuals. It does not calculate foreign-purchaser surcharges, companies or trusts, mixed purchaser eligibility, partial interests, linked transactions, gifts, related-party transfers, off-the-plan concessions, pensioner or hardship concessions, grants, commercial property or mixed-use land.

First-home relief is applied only when you confirm that every purchaser meets the official eligibility rules. Your conveyancer or revenue office determines actual eligibility and liability.

Registration charges and private service costs are not part of the duty calculation. Enter current quotes or official figures where possible. Investment tax results assume any rental loss can offset income at the entered marginal rate; actual timing, deductibility and apportionment can differ.

The investment projection holds rent, costs and rates constant, compounds the entered property-growth assumption and shows sale equity after selling costs and the remaining loan. It excludes accumulated cash flow, capital gains tax, refinancing and changes in ownership.

This is a planning estimate, not a notice of assessment, tax advice, a valuation or financial advice.

Revenue NSW source and calculator