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📍 Adelaide, South Australia

Stamp Duty Calculator — Adelaide

Free stamp duty calculator for Adelaide residents. Local 2025 data including Adelaide property prices, wages and costs.

📍 Adelaide — Financial Snapshot 2025

Median house price: $650,000  |  Median weekly rent: $540/week
Median household income: ~$78,000/year  |  State: South Australia
Stamp duty note (SA): SA has no FHB stamp duty exemption for established homes. First Home Owner Grant of $15,000 for new homes.

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Stamp Duty Calculator for Adelaide — 2025

The Adelaide property and finance market in 2025 reflects Greater Adelaide conditions. With a median house price of approximately $650,000 and median weekly rents around $540, understanding your mortgage repayments, tax obligations and investment returns is essential for Adelaide residents making financial decisions.

Adelaide Property Market Overview

The Adelaide residential property market has a median house price of approximately $650,000 as of 2025. Units and apartments in Adelaide typically trade at 20–35% below house prices, offering a more accessible entry point for first home buyers. Rental vacancy rates in Adelaide have been tight, keeping rents elevated at approximately $540/week for houses.

Mortgage Considerations for Adelaide Buyers

At the Adelaide median house price of $650,000, a typical first home buyer with a 20% deposit would be borrowing approximately $520,000. At current SA variable rates (6.0–6.5% variable (2025)), monthly repayments on this amount over 30 years would be approximately $3,201. Adelaide-area lenders offer similar rates to national averages — a mortgage broker can compare options.

SA Stamp Duty for Adelaide Buyers

SA has no FHB stamp duty exemption for established homes. First Home Owner Grant of $15,000 for new homes. For a property at the Adelaide median price of $650,000, use our stamp duty calculator above to determine your exact duty obligation.

Renting in Adelaide

The Adelaide rental market averages approximately $540/week for houses and $442/week for units. Yield-conscious investors should note that rental yields in Adelaide typically range from 3.0–4.5%.

Frequently Asked Questions
When is stamp duty paid in Australia?

Stamp duty is due at settlement — the day legal ownership transfers. Your conveyancer calculates and arranges payment. In most states you have 30 days from the contract date to pay, but payment typically occurs simultaneously with settlement. Budget for stamp duty as part of your upfront purchase costs.

Is stamp duty deductible for tax purposes?

Stamp duty on your primary residence is not income tax deductible. For investment properties, stamp duty on purchase forms part of the property's cost base, reducing your Capital Gains Tax (CGT) liability when you eventually sell. For commercial property purchases, stamp duty may be deductible — consult a tax professional.

Which Australian state has the lowest stamp duty?

This varies significantly by purchase price. For a $750,000 property, NSW tends to be among the lower, while VIC can be higher. At $1,000,000+, differences narrow. For first home buyers, the concession schemes matter as much as the base rates.

What is land tax and is it different from stamp duty?

Yes — they are completely different taxes. Stamp duty is a one-off transaction tax paid when you buy. Land tax is an annual tax levied by state governments on the unimproved value of land you own (excluding your principal place of residence in most states). Land tax applies primarily to investment properties and commercial land.

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