The asking price is only part of what you pay. Taxes, legal fees, surveys and mortgage costs can add thousands. See the full amount before you make an offer.
Costs on top of the price
NZ$3,250
Home to live in ·
What do you want to work out?
Every tax and fee on top of the price, for where you live and where you're buying.
Costs on top of the price
Price
NZ$850,000Costs on top
NZ$3,250Cash needed if you buy outright
NZ$853,250What could it be worth?
Based on official prices for New Zealand as a whole: 21 five-year periods since 2000. In the last 5 years prices there changed by 4.3% a year.
Green or red shows the gain or loss against everything you paid (price plus buying costs of NZ$3,250). In the typical scenario the buying costs are covered after about less than a year. Before mortgage interest, running costs and selling costs.
These are scenarios based on past national prices, not a forecast or a price for any home. Prices can fall as well as rise, past changes don't predict future ones, and your area can differ a lot from the national average. Source: Bank for International Settlements (official national house prices), latest data 2026-Q1. See the data.
Estimates only, to help you plan. Not tax, legal, mortgage, investment or financial advice. Rules and prices change, and your situation may differ: always confirm figures with a qualified solicitor, notary, tax adviser or lender before you commit. Partner links and adverts are labelled; they never change your result.
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Questions
Home to live in: buying costs come to about NZ$2,200. All buying costs together come to about NZ$3,250, or 0.4% of the price. Change the price or buyer type above to see your own figure.
There's no extra tax, because New Zealand has no stamp duty. But most overseas buyers aren't allowed to buy existing homes.
You can buy: New Zealand citizens and residents, and Australian and Singaporean citizens, are allowed. If you sell within 2 years, the 'bright-line' rule can tax the gain on a home you didn't live in.
A New Zealand lawyer or licensed conveyancer. An IRD number (NZ tax number) for the land transfer tax statement.
We last updated the figures on 16 Oct 2026 and checked them against official sources on 16 Oct 2026. We check every country every week, and show a warning if a check is overdue.
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