SA
South Australia
$40,580
4.77% of price
Tools · Settlement · SA
South Australia stamp duty calculator
South Australia uses a conventional bracketed transfer duty schedule with no general FHB exemption — first home buyers receive a $15K grant instead (not a duty waiver). 7% foreign purchaser surcharge. Stamp duty here is mid-pack: higher than WA/NT, lower than NSW/VIC at most price points.
Primary source: RevenueSA · Stamp Duties Act 1923 (SA) · last reviewed 2026-04-20
Step 1 · Inputs
Set the purchase details.
Results update below when you change price, buyer status, or surcharge status.
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Tip: A two-bedroom unit in Parramatta sells around $780,000. Try that to see the duty on an investor purchase vs first home buyer.
South Australia total at this price
total payable $40,580 · standard duty $40,580
Step 2 · Calculator output
Read the South Australia duty bill.
Got a question about this result?
Ask The Steward.
The specialist already knows your price ($850,000) and state (SA). Ask about timing, investor vs owner-occupier differences, or how the duty stacks with deposit + loan.
What makes South Australia different.
SA has no stamp duty concession for established-home first home buyers — only new builds qualify for the First Home Owner Grant separately. 7% foreign buyer surcharge.
FHB treatment: No general FHB duty exemption. Full eligibility at the source .
Foreign purchaser surcharge: 7% additional duty applies on top of standard rates.
Use the calculator above for your specific price. Every bracket is cited to the Duties Act section in the source chips. For situations that don’t map cleanly (trust purchases, off-the-plan concessions, deceased estate transfers, pensioner exemptions), email hello@propautopilot.ai.
South Australia — frequently asked
The questions SA buyers actually ask.
How much is stamp duty on a $1 million home in South Australia?+
Standard stamp duty on a $1,000,000 purchase in SA is approximately $48,830. South Australia does not offer a general FHB stamp duty exemption — first home buyers instead receive the $15,000 First Home Owner Grant on new homes. 7% foreign purchaser surcharge applies on top.
Do I get a stamp duty exemption as a first home buyer in SA?+
No. South Australia uses a grant ($15K on new homes) rather than a duty waiver. If you're buying established, the full transfer duty applies at your price point. This differs from NSW/VIC/QLD/WA/TAS which do offer duty exemptions or concessions to FHBs.
What's the SA First Home Owner Grant amount and eligibility?+
SA First Home Owner Grant is $15,000 for new homes up to a property value of $650,000. Established homes are not eligible. Buyer must be 18+, an Australian citizen or permanent resident, and use the property as PPOR for at least 6 months within 12 months of completion.
What's the SA foreign purchaser surcharge rate?+
South Australia applies a 7% foreign purchaser surcharge on residential property purchases — slightly lower than NSW (9%) but higher than TAS (3%). The same Commonwealth FIRB definition of 'foreign purchaser' applies.
How does SA off-the-plan concession work?+
South Australia offers a duty concession on off-the-plan apartment purchases (RevenueSA-administered) where construction has not commenced at contract date. The concession reduces dutiable value by a proportion of construction-cost-yet-to-occur. PPOR-eligible only; investor purchases attract full duty.
Is there a SA pensioner stamp duty concession?+
SA does not currently offer a general pensioner duty exemption. The Senior's Grant exists for utility costs, not stamp duty. Some retirement-village structures (lease-licence vs freehold) trigger different duty outcomes — check the village's legal structure with a conveyancer.
Does SA still have land tax on top of stamp duty?+
Yes — SA levies annual land tax on landholdings above the tax-free threshold ($668,000 as of 2025-26 for residential). Aggregated land tax: multiple properties combine for one assessment. PPOR is exempt. Investors hit the threshold faster as portfolio grows.
Can I get an SA stamp duty refund?+
Yes — refunds available where the contract is cancelled, rescinded, or set aside before the transfer is registered (Section 119 Stamp Duties Act 1923 SA). Apply via RevenueSA with executed cancellation deed and proof no transfer occurred. Typical processing 4-8 weeks.
Are SA stamp duty rates the same for vacant land?+
Yes — vacant land attracts the standard transfer duty schedule. The First Home Owner Grant on new builds combines vacant-land purchase + new-build construction (the combined transaction must complete within prescribed timeframes for the grant to apply).
Does SA stamp duty apply on spouse transfers?+
Transfers between spouses or de facto partners on a PPOR can be exempt under Section 71CB of the Stamp Duties Act 1923 SA. Investment property spouse-transfers attract full duty unless under a court-ordered Family Court settlement (separate exemption).
How it works
Direct from RevenueSA.
Brackets pulled from Stamp Duties Act 1923 (SA). Verified against the primary source on 2026-04-20. Refreshed quarterly — any rate change lands within two weeks. We never cache rates without showing the verified-at date.
General information only — not tax, legal, or financial advice. Confirm with a licensed conveyancer before signing. hello@propautopilot.ai for calculation questions.
Keep going.
Calculators are inputs to a decision, not the decision. The pages below extend the math into context.
Guides
- First home buyer guide — Australia 2026
Stamp duty exemptions are the largest FHB benefit in most states.
- Home Guarantee Scheme explained
Stack HGS with state stamp-duty exemption where eligible.
- How to find investment properties
Stamp duty is step 1 of the 10-step underwriting framework.
- Negative gearing explained
Stamp duty is part of cost base — affects CGT at sale, not annual deduction.
Sibling tools
- Buying power calculator
Add stamp duty to your full upfront cash position.
- Cashflow projector
10-year cashflow including the upfront stamp-duty hit.
- CGT calculator
Stamp duty enters cost base — affects CGT at exit.
Chapter 2 — How much can you actually borrow, and at what cost — Deposit, LMI, APRA serviceability buffer, stamp duty per state, FHSS withdrawal, and the four government schemes that change the maths. Run the calculators as you read.