SA stamp duty calculator
Your details
Calculator assumptions
Rates are for contracts signed in the 2026–27 financial year and assume you buy as an individual, at market value, with no other concessions (such as pensioner, off-the-plan or disability concessions).
First home buyer results assume you meet your state’s eligibility rules, including living in the home for the required time. Foreign buyer surcharges are shown at the full rate.
This is an estimate, not tax or credit advice. Your conveyancer will confirm the exact amount before settlement.
Your estimate
Estimated stamp duty in SA
$26,830General rates applied.- Duty before any concessions
- $26,830
- Effective rate
- 4.47%
- 20% deposit plus stamp duty
- $146,830
Less than 20% saved? Lenders mortgage insurance may apply. Estimate your LMI
Stamp duty is just one upfront cost. We’ll work out your full cash-to-settle figure and check which lenders can add costs into your loan.
How stamp duty works in SA
South Australia still calls it stamp duty, and it’s collected by RevenueSA. It applies to the higher of the price and the market value.
SA’s rates haven’t changed in years. The top rate of 5.5% applies to the amount above $500,000. On a $700,000 home, stamp duty is $32,330.
There’s no owner-occupier discount for existing homes in SA. The savings are all aimed at new housing.
SA stamp duty rates 2026–27
| Property value | Duty payable |
|---|---|
| Up to $12,000 | $1.00 per $100 |
| $12,001 to $30,000 | $120 + $2.00 per $100 over $12,000 |
| $30,001 to $50,000 | $480 + $3.00 per $100 over $30,000 |
| $50,001 to $100,000 | $1,080 + $3.50 per $100 over $50,000 |
| $100,001 to $200,000 | $2,830 + $4.00 per $100 over $100,000 |
| $200,001 to $250,000 | $6,830 + $4.25 per $100 over $200,000 |
| $250,001 to $300,000 | $8,955 + $4.75 per $100 over $250,000 |
| $300,001 to $500,000 | $11,330 + $5.00 per $100 over $300,000 |
| Over $500,000 | $21,330 + $5.50 per $100 over $500,000 |
Rates. Source: RevenueSA.
First home buyers in SA
New homes and off-the-plan: no duty
First home buyers pay no stamp duty on a new home or an off-the-plan apartment, with no price cap.
Land to build on: no duty
Buying vacant land to build your first home? There’s no duty on the land either, again with no cap.
Existing homes: full duty
There’s no first home buyer concession on established homes in SA. A $600,000 existing home costs $26,830 in duty.
First Home Owner Grant
A $15,000 grant is also available for eligible first home buyers building or buying a new home.
What you’d pay: worked examples
Calculated with the same rates as the calculator above, for contracts signed in 2026–27.
Other things that change your stamp duty
Selling and buying new
The 2026–27 budget announced relief for homeowners who buy a new home or off-the-plan apartment and sell their current home within 12 months: no duty up to $2 million, phasing out by $2.1 million. A similar rule covers vacant land up to $1.2 million.
Seniors downsizing
From 25 March 2026, buyers aged 60 or over who downsize into a new home, off-the-plan apartment or land can get relief of up to $103,830.
Foreign buyers
Foreign buyers pay a 7% foreign ownership surcharge on top of stamp duty.
Ask before you sign
These newer relief measures aren’t in the calculator yet. If you’re selling or downsizing, talk to us and your conveyancer before you sign.
Frequently asked questions
Get in touchDo first home buyers pay stamp duty in SA?
Not on a new home, an off-the-plan apartment or vacant land to build on. On an existing home, first home buyers pay normal stamp duty.
How much is stamp duty on a $600,000 house in SA?
Stamp duty on a $600,000 home is $26,830, whether you live in it or not, unless it’s a new home and your first.
Is there a price cap on SA’s first home buyer relief?
No. The relief for new homes and land has no price cap.
Is there stamp duty relief for downsizers in SA?
Yes. Buyers aged 60 and over who downsize into a new home or land can get up to $103,830 of relief, for contracts from 25 March 2026.
Buying somewhere else?
Know your numbers before you make an offer
We’ll work out your stamp duty, deposit and borrowing power together, and compare 30+ lenders to find the right loan. It’s free. Lenders pay us, not you.
