Buying your first home in Campbelltown, NSW 2560 — 2026 affordability

What a first home actually costs in Campbelltown: the current median for each dwelling type (houses and units shown separately — never blended), the stamp duty you'd pay at standard and first-home-buyer rates, and the deposit you'd need. Finance figures are computed from New South Wales transfer-duty rates; medians come from New South Wales property-sales data with sale counts shown so you can judge reliability.

Campbelltown median house — $980,000 (413 sales, 12 months to February 2026)

Median house price$980,000
Stamp duty — standard rate$38,512
Stamp duty — first home buyer$35,471 (−$3,041)
5% deposit (LMI likely without a guarantee)$49,000
10% deposit (LMI likely without a guarantee)$98,000
20% deposit (no LMI)$196,000

At $980,000, this house is in NSW's FHB stamp-duty concession band. Whether the federal 5% Deposit Scheme or First Home Super Saver Scheme apply depends on the current price caps + your circumstances — check those guides and the borrowing-power calculator.

Campbelltown median unit — $565,000 (430 sales, 12 months to February 2026)

Median unit price$565,000
Stamp duty — standard rate$19,837
Stamp duty — first home buyer$0 — exempt
5% deposit (LMI likely without a guarantee)$28,250
10% deposit (LMI likely without a guarantee)$56,500
20% deposit (no LMI)$113,000

At $565,000, this unit is under NSW's full FHB stamp-duty exemption threshold ($800,000). Whether the federal 5% Deposit Scheme or First Home Super Saver Scheme apply depends on the current price caps + your circumstances — check those guides and the borrowing-power calculator.

⚠ At the concession cap: Campbelltown's house median ($980,000) sits just under NSW's $1,000,000 First Home Buyers Assistance cap — and recent-quarter sales are trending above $1M. The first-home-buyer concession shown here applies only if your purchase price is $1,000,000 or less. Buy above the cap and no FHB concession applies — you'd pay full duty (roughly $41,700 on a $1.05M home). Confirm your price against Revenue NSW before relying on the concession.

How to read this

Houses and units are reported separately on purpose — blending them produces a "median" that describes no real property. In a suburb like Campbelltown, the unit median is usually the figure first home buyers care about, because it's where most FHB purchases happen and where the stamp-duty concessions actually bite. The deposit rows show 5% / 10% / 20% — below 20% you'll usually pay Lenders Mortgage Insurance unless you use a government guarantee.

Median data: Computed by NestPath from NSW Valuer-General Property Sales Information — the median of residence sales in Campbelltown over the 12 months to February 2026, drawn from ~2.2 million government sale records (413 house / 430 unit sales). Note: the house median sits just under the NSW $1M first-home-buyer concession cap — see the caution above. Source: New South Wales Valuer-General. Stamp duty + FHB concession computed at build time from New South Wales transfer-duty formulas (same source as our stamp-duty calculator). Last sourced . Not financial advice — eligibility is determined by the relevant state revenue office + lender.