Stamp Duty SA — Rates, Calculator and Concessions (2026)
South Australia imposes stamp duty (officially “conveyance duty”) on property transfers. SA is notable for having no general first home buyer stamp duty exemption — all buyers pay the standard rate. However, SA’s $15,000 FHOG (First Home Owner Grant) for new builds provides meaningful assistance, and an off-the-plan concession applies in certain circumstances.
SA Stamp Duty Rates (2026)
| Property Value | Duty Calculation |
|---|---|
| $0–$12,000 | $1.00 per $100 |
| $12,001–$30,000 | $120 + $2.00 per $100 over $12,000 |
| $30,001–$50,000 | $480 + $3.00 per $100 over $30,000 |
| $50,001–$100,000 | $1,080 + $3.50 per $100 over $50,000 |
| $100,001–$200,000 | $2,830 + $4.00 per $100 over $100,000 |
| $200,001–$250,000 | $6,830 + $4.25 per $100 over $200,000 |
| $250,001–$300,000 | $8,955 + $4.75 per $100 over $250,000 |
| $300,001–$500,000 | $11,330 + $5.00 per $100 over $300,000 |
| Over $500,000 | $21,330 + $5.50 per $100 over $500,000 |
Verify with the SA RevenueSA office (revenuesa.sa.gov.au).
SA Stamp Duty at Key Price Points
| Purchase Price | Stamp Duty |
|---|---|
| $300,000 | ~$11,330 |
| $400,000 | ~$16,330 |
| $500,000 | ~$21,330 |
| $600,000 | ~$26,830 |
| $700,000 | ~$32,330 |
| $800,000 | ~$37,830 |
| $900,000 | ~$43,330 |
| $1,000,000 | ~$48,830 |
How to Calculate SA Stamp Duty — Worked Example
Purchase price: $650,000
Step 1: Bracket is over $500,000 Step 2: $21,330 + 5.50% × ($650,000 − $500,000) = $21,330 + 5.50% × $150,000 = $21,330 + $8,250 = $29,580
SA First Home Buyer — No General Exemption
Important: South Australia does not offer a general stamp duty exemption or concession for first home buyers.
All first home buyers (new and established) pay the standard stamp duty rate.
The primary first home buyer support in SA is:
- FHOG of $15,000 for eligible first home buyers purchasing a new home (to June 2026)
- Off-the-plan stamp duty concession for off-the-plan apartment purchases in qualifying developments
SA Off-the-Plan Stamp Duty Concession
Buyers purchasing a new apartment off-the-plan in an eligible development may qualify for a stamp duty concession. The concession reduces the value on which duty is assessed — similar to other states.
Eligibility typically requires:
- The property is being purchased off-the-plan (before completion)
- The apartment is in a qualifying development as registered with RevenueSA
- The purchaser occupies the property within 12 months of settlement
Check RevenueSA for current qualifying developments and concession details — the off-the-plan concession has changed multiple times in recent years.
SA Stamp Duty vs FHOG — New Build Comparison
For a first home buyer purchasing a new build in SA:
| Purchase Price | SA Duty | FHOG | Net Cost |
|---|---|---|---|
| $400,000 | ~$16,330 | $15,000 | Net ~$1,330 |
| $500,000 | ~$21,330 | $15,000 | Net ~$6,330 |
| $600,000 | ~$26,830 | $15,000 | Net ~$11,830 |
The FHOG partially offsets stamp duty for lower-priced new builds, but SA buyers still pay significant stamp duty even as first home buyers.
SA Foreign Purchaser Duty
Foreign persons purchasing residential property in SA pay:
- Additional duty: 7% of the purchase price
Example: Foreign purchaser, $600,000 SA property:
- Standard duty: ~$26,830
- Foreign purchaser duty: 7% × $600,000 = $42,000
- Total: ~$68,830
SA Stamp Duty on Vacant Land and Off-the-Plan
- Vacant residential land: Duty assessed at standard rates
- Off-the-plan apartments: Concession may apply — reduces dutiable value by estimated construction value not yet complete
- House and land (separate contracts): Duty assessed on land component only at standard rates
When Is SA Stamp Duty Due?
- Standard conveyance: Stamp duty must be paid at settlement (or within a short grace period)
- Electronic settlement: Duty is paid at settlement via PEXA
SA Property Transfers Between Family Members
- Transfers between spouses (principal place of residence) are generally exempt from stamp duty in SA
- Transfers pursuant to divorce or separation may be exempt — verify with RevenueSA or a solicitor
Frequently Asked Questions
Does SA have a stamp duty exemption for first home buyers? No — South Australia does not have a general stamp duty exemption for first home buyers purchasing established or new homes. The $15,000 FHOG and off-the-plan concession are the primary forms of government support.
What is stamp duty on a $600,000 home in SA? Approximately $26,830 at the standard rate. No first home buyer concession is available for established homes.
Is there a stamp duty discount for owner-occupiers in SA? No — unlike WA and QLD, SA does not have a separate lower rate for owner-occupiers vs investors. All buyers (owner-occupiers and investors) pay the same rate.
When does SA charge the foreign purchaser surcharge? The 7% foreign purchaser additional duty applies to residential property purchases in SA by foreign persons, foreign corporations and certain trusts. Permanent residents are not subject to the surcharge.
Related Guides
- Stamp Duty Calculator Australia
- Stamp Duty Australia — All States
- How to Reduce Stamp Duty
- Stamp Duty Comparison Table
- Stamp Duty Hub
This article provides general information about South Australia stamp duty. Rates, thresholds and concession conditions are set by the SA government and change regularly. Always verify with RevenueSA (revenuesa.sa.gov.au) or your solicitor before purchasing. For advice tailored to your situation, speak with a licensed mortgage broker or financial adviser. Find one through MoneySmart.