Home› Tax Calculators› Stamp Duty Calculator SA
Property Tax

Stamp Duty Calculator South Australia

Calculate South Australian stamp duty on residential and investment property purchases. Includes first home buyer concessions up to $650,000, standard duty rates, and foreign purchaser surcharge for 2025–26.

2025–26 SA duty rates FHB exemption up to $650k Foreign surcharge (7%) Instant calculation
🏘️ SA Stamp Duty Calculator
$
Stamp Duty Payable
$0
Property price
$0
Base duty
$0
Concession / exemption
$0
Foreign surcharge (7%)
N/A

How Stamp Duty Works in South Australia

In South Australia, stamp duty is administered by RevenueSA. It's a state tax applied to the purchase of real property and certain other dutiable transactions. Duty is calculated on the greater of the property's purchase price or its market value and is typically paid at settlement through your conveyancer.

SA uses a progressive rate schedule with marginal rates increasing at each threshold. South Australia recently raised its first home buyer exemption threshold significantly, making it one of the most competitive states for entry-level buyers.

Standard SA Stamp Duty Rates (2025–26)

Dutiable ValueDuty Payable
$0 – $12,0001.0% of the dutiable value
$12,001 – $30,000$120 + 2.0% of excess over $12,000
$30,001 – $50,000$480 + 3.0% of excess over $30,000
$50,001 – $100,000$1,080 + 3.5% of excess over $50,000
$100,001 – $200,000$2,830 + 4.5% of excess over $100,000
$200,001 – $250,000$7,330 + 5.25% of excess over $200,000
$250,001 – $300,000$9,955 + 5.75% of excess over $250,000
$300,001 – $500,000$12,830 + 6.0% of excess over $300,000
Over $500,000$24,830 + 6.5% of excess over $500,000

First Home Buyer Concessions in SA

South Australia offers some of Australia's most generous first home buyer stamp duty relief:

  • Full exemption on properties up to $650,000 for eligible first home buyers
  • No stamp duty payable at all for properties under this threshold
  • Properties over $650,000 attract standard rates with no FHB concession

To qualify, you must be an Australian citizen or permanent resident, at least 18 years old, and have not previously owned residential property in Australia. You must also intend to live in the property as your principal place of residence within 12 months of settlement.

Note that from 2024, South Australia increased the FHB threshold from $500,000 to $650,000, providing substantial additional relief in a market where median house prices in Adelaide have risen significantly.

Worked Examples

Example 1 — First Home Buyer, $600,000 Home

ItemAmount
Purchase price$600,000
Standard duty (at $500k+ rate)$24,830 + 6.5% of $100,000 = $31,330
FHB exemption (under $650k threshold)–$31,330
Duty payable$0

This first home buyer saves over $31,000 — one of the most generous exemptions in the country.

Example 2 — Owner-Occupier, $450,000 Home

ItemAmount
Purchase price$450,000
Duty: $12,830 + 6.0% × ($450k – $300k)$21,830
Duty payable$21,830

As this buyer is not a first home buyer, standard rates apply.

Example 3 — Foreign Buyer Purchasing $700,000 Property

ItemAmount
Purchase price$700,000
Standard duty (over $500k rate)$24,830 + 6.5% of $200,000 = $37,830
Foreign surcharge (7% of $700k)$49,000
Total payable$86,830

Foreign purchasers face a substantial additional cost in SA.

Foreign Purchaser Duty Surcharge

Foreign purchasers of residential property in South Australia pay an additional duty surcharge of 7% of the dutiable value on top of standard stamp duty rates. A foreign person is defined as someone who is not an Australian citizen or permanent resident, or a corporation with foreign ownership.

The surcharge applies to residential land only. Exemptions may be available for New Zealand citizens holding special category visas, and for certain circumstances such as acquisitions by Australian citizens living abroad temporarily.

Frequently Asked Questions

What is the SA first home buyer stamp duty threshold?▾
South Australia provides a full stamp duty exemption for eligible first home buyers on properties up to $650,000. This was increased from $500,000 in 2024 and applies to both new and existing homes. There is no partial concession — it's an all-or-nothing exemption.
Is there a First Home Owner Grant in South Australia?▾
Yes. SA offers a $15,000 First Home Owner Grant for first home buyers building or buying a new home valued up to $650,000. This is one of the more generous FHOGs in Australia and can be combined with the stamp duty exemption for substantial total savings.
When is stamp duty paid in South Australia?▾
In SA, stamp duty is generally payable within 30 days of settlement, or at the time of settlement (whichever applies). Your conveyancer will handle the payment through RevenueSA's online system. For off-the-plan purchases, different timing may apply.
Does South Australia have any off-the-plan concessions?▾
Yes. SA offers an off-the-plan concession for purchases of apartments or units in multi-storey developments. The concession reduces the dutiable value by the construction costs yet to be incurred at the time of contract. This can significantly reduce the stamp duty payable on off-the-plan purchases.
Are there any concessions for pensioners in SA?▾
Yes. South Australia offers a pensioner concession providing exemption from stamp duty on principal place of residence purchases up to $430,000 for eligible concession card holders. A partial concession applies between $430,001 and $530,000. The property must be your primary place of residence.

Disclaimer: SA stamp duty rates, first home buyer thresholds and foreign surcharge rates are subject to change. This calculator reflects RevenueSA published rates for 2025–26 and is for estimation purposes only. Individual circumstances, property type, and concession eligibility can significantly affect actual duty payable. Always confirm figures with your conveyancer or RevenueSA before making financial decisions.

Related Property & Tax Tools