Stamp duty · South Australia
SA stamp duty calculator
South Australia charges $35,080 transfer duty on a $750,000 established home, plus 7% for foreign buyers. Estimate yours below, with RevenueSA's rules as checked on 26 October 2026.
Estimated stamp duty
$35,080
- Transfer dutyStamp duty on conveyances (residential and primary production land)
- $35,080
- Mortgage registration fee
- $204
- Transfer registration fee
- $7,703
- Total government costs
- $42,987
A 60-minute consultation with Sulav Adhikari, by phone or video. We check these numbers against real lender policy.
Checked against RevenueSA on (2026-27 rules)
Assumptions
- The price you enter is treated as the dutiable value (the higher of the price and the market value).
- Every buyer is in the same residency group and buys the whole property. Mixed purchases (for example one foreign co-buyer) are worked out differently; use the revenue office calculator.
- Concessions and grants assume you meet all their conditions, including living in the home for the required time.
- Government fees are the land titles office registration fees for one transfer and one mortgage. Conveyancing, inspections and lender fees are not included.
- Your conveyancer or solicitor confirms the duty payable before settlement.
Estimates only, not a quote or credit approval. Important information about our calculators.
SA in brief
What makes SA different
$35,080 on a $750,000 home
That is 4.7% of the price for a home buyer who is not buying their first home. The top rate is 5.5% on every dollar above $500,000.First home buyers: $35,080 at $750,000
First home buyer stamp duty relief: No duty, at any price. A new home at the same price costs $0.7% foreign ownership surcharge
$52,500 extra at $750,000. Permanent residents are not foreign persons for this surcharge.$15,000 First Home Owner Grant
For new homes and off-the-plan purchases, with no price cap. Not for established homes.$7,907 in registration fees
Land Services SA: transfer $204 up to $5,000; $228 up to $20,000; $251 up to $40,000; $353 up to $50,000; then $353 plus $105 for every $10,000 (or part) over $50,000; mortgage $204.
01Rates
SA transfer duty rates
What RevenueSA charges on the dutiable value, for contracts from 5 September 2002.
| Dutiable value | Duty |
|---|---|
| Up to $12,000 | 1% of the value |
| $12,001 to $30,000 | $120 plus 2% of the value over $12,000 |
| $30,001 to $50,000 | $480 plus 3% of the value over $30,000 |
| $50,001 to $100,000 | $1,080 plus 3.5% of the value over $50,000 |
| $100,001 to $200,000 | $2,830 plus 4% of the value over $100,000 |
| $200,001 to $250,000 | $6,830 plus 4.25% of the value over $200,000 |
| $250,001 to $300,000 | $8,955 plus 4.75% of the value over $250,000 |
| $300,001 to $500,000 | $11,330 plus 5% of the value over $300,000 |
| Over $500,000 | $21,330 plus 5.5% of the value over $500,000 |
The value is rounded up to the next $100 before the rates apply.
At a glance
Duty at common prices in SA
From $500,000 to $1,500,000, for investors, home buyers and first home buyers in SA.
| Price | Home or investment | First home, established | First home, new |
|---|---|---|---|
| $500,000 | $21,330 | $21,330 | $0 |
| $650,000 | $29,580 | $29,580 | $0 |
| $750,000 | $35,080 | $35,080 | $0 |
| $900,000 | $43,330 | $43,330 | $0 |
| $1,100,000 | $54,330 | $54,330 | $0 |
| $1,500,000 | $76,330 | $76,330 | $0 |
- Before land titles fees; citizens or permanent residents; RevenueSA rules as checked on 26 October 2026.
02Concessions
First home buyer concessions and grants
What RevenueSA offers home buyers, and the conditions that come with it.
First home buyer stamp duty relief
No duty, at any price. Applies to new homes, off-the-plan purchases and vacant land.
- Full relief at any value for a new home (incl. substantially renovated, bought from a GST-registered builder/developer), an off-the-plan apartment, or vacant land to build your first home (incl. house-and-land packages).
- Not available for established homes, knock-down rebuilds, investment properties or holiday homes.
- Applicants are natural persons 18+; at least one an Australian citizen, permanent resident or NZ citizen on a special category visa. No applicant or partner has ever held an interest in Australian residential property (contracts from 13 Feb 2025). Not means tested.
- Live in the home for 6 continuous months starting within 12 months of settlement (vacant land: within 12 months of the home being usable or 36 months from settlement).
- The relief does not reduce the foreign ownership surcharge.
First Home Owner Grant: $15,000
- Up to $15,000 (or the price if less) for buying or building a new home, an off-the-plan apartment or a substantially renovated home. Not for established homes or vacant land alone.
- No property value cap for contracts from 6 June 2024.
- Same citizen/permanent resident, never-owned and 6-month residence rules as the stamp duty relief. Apply separately.
Other concessions
The calculator does not apply these. Your conveyancer or RevenueSA can confirm whether you qualify.
- Seniors downsizing stamp duty relief. For contracts from 25 March 2026: buyers aged 60+ (one a citizen/PR) selling their SA home and buying a new home, off-the-plan apartment or vacant land on a smaller block get full relief up to $2m (new/off-the-plan) or $1.2m (vacant land), reducing to nil at $2.1m / $1.3m. Not modelled — the surcharge still applies.
03Foreign buyers
Foreign ownership surcharge: 7%
Paid on top of transfer duty, on the full dutiable value. On a $750,000 purchase that is $52,500.
Who pays it
- Foreign persons acquiring residential land: anyone who is not an Australian citizen, permanent resident or NZ citizen on a special category (444) visa — temporary visa holders pay it, even if married to an Australian.
- Foreign corporations and trusts. Charged on the value of the interest acquired (joint tenants treated as equal shares), on top of normal duty.
Who doesn't
- Refund if the buyer stops being a foreign person within 12 months of acquiring the interest.
- First home buyer relief does not apply to the surcharge.
How your visa changes this:
- Visa and PR home loans
- Permanent residents
- Subclass 491 and subclass 482 visa holders
04Government fees
Land titles fees
Land Services SA charges these to register your purchase and your mortgage. Fees from 1 July 2026.
| Fee | How it is worked out | At $750,000 |
|---|---|---|
| Transfer registration | $204 up to $5,000; $228 up to $20,000; $251 up to $40,000; $353 up to $50,000; then $353 plus $105 for every $10,000 (or part) over $50,000 | $7,703 |
| Mortgage registration | $204 | $204 |
| Total | $7,907 |
- Transfers exempt from duty pay a flat $204. Based on the greater of the price and the capital value.
- Conveyancing, inspections, lender fees and any FIRB application fee are not included.
05Worked examples
Three SA purchases, worked through
$650,000, $750,000 and $650,000 purchases in SA, from the same rules as the calculator.
A first home buyer buys a $650,000 new home
Citizens or permanent residents buying their first home, newly built, to live in.
The First home buyer stamp duty relief removes the $29,580 of transfer duty. A $15,000 First Home Owner Grant may also be available, paid separately.
| Item | Amount |
|---|---|
| Transfer dutyStamp duty on conveyances (residential and primary production land) | $29,580 |
| Less First home buyer stamp duty relief | −$29,580 |
| Mortgage registration fee | $204 |
| Transfer registration fee | $6,653 |
| Total government costs | $6,857 |
- Meets every condition of the First home buyer stamp duty relief
- Rules checked against RevenueSA on 26 October 2026
Buying a $750,000 established home to live in
Owner-occupiers who have owned property before, buying in SA with a home loan.
Transfer duty is $35,080 at the general rates, with no concession at this price.
| Item | Amount |
|---|---|
| Transfer dutyStamp duty on conveyances (residential and primary production land) | $35,080 |
| Mortgage registration fee | $204 |
| Transfer registration fee | $7,703 |
| Total government costs | $42,987 |
- Stamp duty on conveyances (residential and primary production land)
- Rules checked against RevenueSA on 26 October 2026
A temporary visa holder buys a $650,000 new home
Every buyer holds a temporary visa and has never owned property. They buy new because foreign persons generally can't buy established homes until 30 June 2029.
Transfer duty is $29,580 at the general rates, with no concession at this price. The foreign ownership surcharge adds $45,500.
| Item | Amount |
|---|---|
| Transfer dutyStamp duty on conveyances (residential and primary production land) | $29,580 |
| Foreign ownership surcharge (7%) | $45,500 |
| Mortgage registration fee | $204 |
| Transfer registration fee | $6,653 |
| Total government costs | $81,937 |
- Foreign ownership surcharge at 7% on the full price
- FIRB application fee not included
- Rules checked against RevenueSA on 26 October 2026
06Questions
SA stamp duty questions
How much is stamp duty on a $750,000 home in SA?
About $35,080 for an established home you will live in, if you are an Australian citizen or permanent resident and not a first home buyer. First home buyers pay $35,080 on an established home and $0 on a new home, if they meet the conditions. Land titles fees add about $7,907. Figures checked against RevenueSA on 26 October 2026.
Do first home buyers pay stamp duty in SA?
It depends on the price and the property. First home buyer stamp duty relief: No duty, at any price. You must meet every condition, including living in the home.
Do temporary visa holders pay extra stamp duty in SA?
Yes. Foreign persons pay foreign ownership surcharge of 7% of the dutiable value on top of transfer duty. Foreign persons acquiring residential land: anyone who is not an Australian citizen, permanent resident or NZ citizen on a special category (444) visa — temporary visa holders pay it, even if married to an Australian. Separately, foreign persons need FIRB approval and generally can't buy established homes until 30 June 2029.
Is the First Home Owner Grant taken off the stamp duty?
No. Duty is worked out on the full price and the grant is paid separately. In SA the First Home Owner Grant is $15,000 for new homes and off-the-plan purchases, with no price cap. It is not available for established homes.
Do permanent residents pay the foreign surcharge in SA?
No. In SA a foreign person is someone who is not an Australian citizen or permanent resident, so permanent residents pay normal duty. Refund if the buyer stops being a foreign person within 12 months of acquiring the interest.
Is there a stamp duty concession for off-the-plan purchases in SA?
Seniors downsizing stamp duty relief: For contracts from 25 March 2026: buyers aged 60+ (one a citizen/PR) selling their SA home and buying a new home, off-the-plan apartment or vacant land on a smaller block get full relief up to $2m (new/off-the-plan) or $1.2m (vacant land), reducing to nil at $2.1m / $1.3m. Not modelled — the surcharge still applies.
What does Land Services SA charge?
Transfer registration: $204 up to $5,000; $228 up to $20,000; $251 up to $40,000; $353 up to $50,000; then $353 plus $105 for every $10,000 (or part) over $50,000 ($7,703 at $750,000). Mortgage registration: $204. Transfers exempt from duty pay a flat $204. Based on the greater of the price and the capital value.
Other states and territories
Stamp duty in other states
Sources
RevenueSA, Land Services SA and FIRB pages behind every figure above, as checked on 26 October 2026.
- Stamp duty on conveyances (residential and primary production land)
- Stamp duty on conveyances (residential and primary production land): legislation
- Stamp duty on conveyances (residential and primary production land) (official calculator)
- First home buyer stamp duty relief
- First home buyer stamp duty relief (eligible properties)
- First home buyer stamp duty relief (eligible applicants)
- First Home Owner Grant
- First Home Owner Grant (eligible properties)
- First Home Owner Grant (grant details)
- Foreign ownership surcharge
- Foreign ownership surcharge (foreign person)
- Seniors downsizing stamp duty relief
- Land Services SA fees
- Land Services SA fees (fees)
- Land Services SA fees (fees)
- Residential land
- Banning foreign purchases of established dwellings
Buying in SA? Talk it through with Sulav
We check the duty, grants and lender policy for your situation before you sign a contract.