Car stamp duty calculator for NSW
The number worth carrying out of this page is the $45,000 threshold, because it sits right in the middle of the range most Sydney buyers are shopping in. Below it, duty is a flat $3 per $100 and genuinely modest. Above it, the rate on the excess is $5 per $100. Below is what NSW charges, worked out from the rates the state revenue office publishes, along with a calculator so you can check your own figure before you agree to anything — because duty is the on-road cost people most often forget to include in the amount they finance.
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Set the price you expect to pay. Duty is charged on the dutiable value, which is the higher of what you paid and what the vehicle is worth — so a generous discount does not always reduce it.
Stamp duty on a car in NSW
Registration duty is the largest on-road cost after the car itself, and it is the one buyers most often forget to include in the amount they finance.
$3 per $100 of value under $45,000.
Estimate only, based on the rates published by the NSW revenue office and checked on 26 August 2026. Duty is charged on the dutiable value, which is the higher of what you paid and the market value. Concessions and exemptions are not modelled here, and registration, CTP and transfer fees are separate costs on top.
Finance the drive-away price in SydneyNew South Wales steps at $45,000
Below $45,000 duty is a flat $3 for every $100 of value. At or above it, the calculation changes shape: $1,350 on the first $45,000, then $5 for every $100 above that.
It means duty climbs faster once you pass the threshold, though NSW remains one of the cheaper states for it. A $50,000 car attracts about $1,600 here against roughly $3,250 in Western Australia.
What it looks like at each price
The figures below come from the same rules the calculator uses, checked against the NSW revenue office on 26 August 2026.
| Vehicle price | Duty |
|---|---|
| $15,000 | $450 |
| $25,000 | $750 |
| $35,000 | $1,050 |
| $45,000 | $1,350 |
| $55,000 | $1,850 |
| $70,000 | $2,600 |
Calculated from the rates published by the NSW revenue office and checked on 26 August 2026. Estimates only — concessions and exemptions are not modelled, and registration, CTP and transfer fees are separate costs on top.
Why it matters in Sydney
The number worth carrying out of this page is the $45,000 threshold, because it sits right in the middle of the range most Sydney buyers are shopping in. Below it, duty is a flat $3 per $100 and genuinely modest. Above it, the rate on the excess is $5 per $100.
That makes duty here relatively cheap on an ordinary car and noticeably less so on a well-specified one. It also means a dealer's advertised price and their drive-away price diverge more, in dollar terms, on the vehicles above the line.
One thing that catches interstate buyers: duty is paid where the vehicle is registered, not where it was bought. A cheaper car in Melbourne or Brisbane still attracts New South Wales duty when you register it here, on top of transport and an inspection you cannot attend.
Common questions
How much is stamp duty on a car in NSW?
On a $30,000 car it is around $900, and on a $50,000 car around $1,600. $3 per $100 of value under $45,000. Duty is charged on the dutiable value, which is the higher of what you paid and the market value, so a discount does not always reduce it. These are estimates from the published rates rather than a quote.
Can I include stamp duty in my car loan?
Usually, yes, and it is common. It becomes part of the amount financed and attracts interest for the full term like anything else in the loan. Raise it before the loan amount is set rather than after — adding it late means reworking the contract.
Do I pay stamp duty on a private sale?
Yes. Duty is payable on the transfer of registration regardless of whether you bought from a dealer or a private seller, and it is calculated on the dutiable value in the same way. It is worth budgeting for at the same time as the PPSR check.
Does buying interstate avoid the duty?
No. Duty is paid where the vehicle is registered, not where it was bought. A cheaper car interstate still attracts NSW duty when you register it here, and you have added transport and an inspection you cannot attend. Sometimes it is still worth it — just build all three costs into the comparison.
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