Stamp Duty Calculator — South Australia
Calculate exactly what you'll pay in transfer duty when buying property in South Australia. Live 2025–26 rates, first home concessions, and foreign buyer surcharges all included.
$
Enter the contract price (no GST adjustments needed for residential).
Estimated stamp duty payableSouth Australia
$29,580
Breakdown
- Base conveyance duty: $29580
- Total payable: $29,580
Notes for South Australia
- SA first home concession only applies to new homes (not established).
Estimate only. Final amount depends on contract date, exact concession eligibility, and revenue office assessment. See RevenueSA for the official calculator. Not financial advice.
Worked examples — South Australia stamp duty at common price points
Below are sample calculations for typical South Australia property purchases. Adjust the calculator above for your exact price.
| Price | First home buyer | Owner-occupier | Investor |
|---|---|---|---|
| $400,000 | $16,330 | $16,330 | $16,330 |
| $600,000 | $26,830 | $26,830 | $26,830 |
| $800,000 | $37,830 | $37,830 | $37,830 |
| $1,000,000 | $48,830 | $48,830 | $48,830 |
| $1,500,000 | $76,330 | $76,330 | $76,330 |
Where to verify these figures
For the official government calculator and the latest concession rules, see RevenueSA. They publish the authoritative rates and any mid-year changes.
What else to budget for in South Australia
Stamp duty is the biggest one-off cost, but not the only one. Most South Australia buyers should also budget for:
- Conveyancing fees: $1,500–$3,000 — solicitor or conveyancer to handle settlement
- Building & pest inspection: $400–$700 — essential for established homes
- Loan establishment fees: $0–$700 depending on lender
- Lenders Mortgage Insurance (LMI): if your deposit is under 20%
- Title transfer & registration fees: $200–$300 (paid to RevenueSA)
For most South Australia buyers, total upfront costs (excluding deposit) sit around 5–8% of the purchase price.
South Australia stamp duty FAQs
Why do SA first home buyers pay $0 stamp duty?
From June 2024, the South Australian Government completely abolished stamp duty for eligible first home buyers purchasing a new home — with no price cap. This is the most generous concession of any Australian state.
To qualify: must be your first home, must be a new build (not established), and you must intend to live in it.
Does SA charge stamp duty on established homes for first home buyers?
Yes — the new exemption only applies to new builds and house-and-land packages. First home buyers purchasing established (existing) homes pay the standard SA conveyance duty rates.
This policy is designed to encourage new housing supply rather than competition for existing stock.
What is stamp duty in Australia?
Stamp duty (also called transfer duty or conveyance duty) is a one-off tax you pay to your state or territory government when you buy property. It's calculated as a percentage of the purchase price, with rates and thresholds set by each state — there is no federal stamp duty.
For most homebuyers, stamp duty is the largest upfront cost after the deposit, often $20,000–$50,000+ for a typical home.
Do first home buyers pay stamp duty?
It depends on your state and the property price. Most states have full or partial exemptions for first home buyers up to a price cap:
- NSW: No duty up to $800,000 (sliding to $1,000,000)
- VIC: No duty up to $600,000 (sliding to $750,000)
- QLD: No duty up to $700,000 (sliding to $800,000) since May 2024
- SA: No duty for new homes (no price cap, since June 2024)
- WA: No duty up to $450,000 (sliding to $600,000)
Use the calculator above with "First home buyer" selected to see your exact amount.
When do you pay stamp duty?
Stamp duty is typically due within 30 to 90 days of contract signing or settlement, depending on the state. Most buyers pay it at settlement through their conveyancer or solicitor, who handles it as part of the property transfer.
You can't roll stamp duty into your home loan as such — it must be paid in cash or from your savings — but some lenders allow you to borrow the equivalent against equity if you have it.
Related calculators
With offset
Mortgage
Work out home loan repayments by amount, rate, term, and frequency. Models offset and extra repayments.
Open
2025–26 rates
Income tax
See your take-home pay, income tax, Medicare and HECS withholding under 2025–26 rates. Annual, monthly, fortnightly, weekly.
Open
2025–26 marginal
HECS-HELP
Calculate your annual HECS repayment under the new 2025–26 marginal-rate system.
Open