Work out your duty in seconds
Our free SA calculator applies the current rates and concessions for you.
How stamp duty is calculated in SA
Duty is charged on the dutiable value of the property: the purchase price or market value, whichever is greater. The 2026-27 scale is:
| Property value | Duty |
|---|
| $0 to $12,000 | $1.00 per $100 |
| $12,001 to $30,000 | $120 plus $2.00 per $100 over $12,000 |
| $30,001 to $50,000 | $480 plus $3.00 per $100 over $30,000 |
| $50,001 to $100,000 | $1,080 plus $3.50 per $100 over $50,000 |
| $100,001 to $200,000 | $2,830 plus $4.00 per $100 over $100,000 |
| $200,001 to $250,000 | $6,830 plus $4.25 per $100 over $200,000 |
| $250,001 to $300,000 | $8,955 plus $4.75 per $100 over $250,000 |
| $300,001 to $500,000 | $11,330 plus $5.00 per $100 over $300,000 |
| Over $500,000 | $21,330 plus $5.50 per $100 over $500,000 |
What you might pay
Estimates for an owner-occupier under current SA rates. Figures exclude title registration and other fees.
| Price | Owner-occupier
(established) | First home buyer
(established) | First home buyer
(new home) |
|---|
| $500,000 | $21,330 | $21,330 | $0 |
| $650,000 | $29,580 | $29,580 | $0 |
| $750,000 | $35,080 | $35,080 | $0 |
| $850,000 | $40,580 | $40,580 | $0 |
| $1,000,000 | $48,830 | $48,830 | $0 |
Your circumstances change the numbers. Run your own figures in the SA calculator.
Concessions and exemptions
First home buyer relief
For contracts from 6 June 2024, eligible first home buyers pay no stamp duty on a new home, off-the-plan apartment or vacant land to build on, with no property value cap. The relief does not apply to established homes. You must live in the home for at least 6 continuous months, starting within 12 months.
Seniors downsizing relief
From 25 March 2026, buyers aged 60 or over selling their home and buying a new home or off-the-plan apartment get full relief up to $2 million (partial to $2.1 million), or vacant land up to $1.2 million.
Foreign ownership surcharge
Foreign purchasers pay an additional 7% of the value of any interest in residential land. First home buyer relief does not remove the surcharge for contracts from 13 February 2025.
Frequently asked questions
Do first home buyers pay stamp duty in SA?
Eligible first home buyers pay no stamp duty on a new home, an off-the-plan apartment, or vacant land to build on, with no property value cap for contracts from 6 June 2024. The relief does not apply to established homes, which attract full duty even for first home buyers.
How much is stamp duty in SA?
SA charges stamp duty on a sliding scale with no owner-occupier discount, making it one of the more expensive states for established home buyers. Duty on a $700,000 home is $32,330. Use our calculator above for your exact figure.
When is stamp duty payable in SA?
Stamp duty is payable at settlement, when the property transfers into your name. Your conveyancer self-determines the duty through RevenueSA Online and it is paid as part of the electronic settlement, since the transfer cannot be registered until duty is paid.
Does first home buyer relief apply to established homes in SA?
No. SA’s relief is deliberately limited to new homes, substantially renovated homes, off-the-plan purchases and vacant land for a new build. A first home buyer purchasing an established house pays full stamp duty. This is the key difference between SA and states like NSW or Victoria.
Who pays stamp duty, the buyer or the seller?
The buyer pays stamp duty in SA. It is an additional upfront cost on top of the purchase price and is handled by your conveyancer through RevenueSA Online at settlement. Sellers do not pay duty on a standard sale.
Do pensioners get a stamp duty concession in SA?
There is no general pensioner concession, but from 25 March 2026 a seniors downsizing relief applies: buyers aged 60 or over selling their home and buying a new home or off-the-plan apartment get full relief up to $2 million, or vacant land up to $1.2 million.
Can I add stamp duty to my mortgage in SA?
Not directly, because duty is paid at settlement. Buyers sometimes borrow extra to cover it where their deposit and the lender’s limits allow, but it otherwise comes from savings. First home buyers building or buying new pay nothing, which removes this hurdle.
How much extra do foreign buyers pay in SA?
Foreign purchasers pay a foreign ownership surcharge of 7 per cent of the value of any interest in residential land, on top of standard stamp duty. Australian citizens and permanent residents are not affected.
How we check these SA rates
Rates confirmed unchanged in the 2026-27 South Australian Budget. Verified against official government sources, current as at 11 July 2026.
Compare with other states in our Australia-wide stamp duty FAQ, or jump straight to the SA stamp duty calculator.
General information only, not legal or financial advice. Duty is assessed by the relevant state revenue office; confirm your figure with your licensed conveyancer or conveyancing solicitor.
