South Australia has a progressive stamp duty scale across seven thresholds. Adelaide's relative affordability means most first home buyers are purchasing at price points where duty is lower than in Sydney or Melbourne, even without a concession.
Get an exact figure for your purchase price — including first home buyer concessions
Open stamp duty calculator →First home buyers purchasing new homes in SA pay zero stamp duty regardless of price — one of the best concessions in Australia. Established home buyers receive no concession, but the $15,000 FHOG helps offset costs for new builds.
SA abolished stamp duty concessions for first home buyers in 2018, replacing them with the $15,000 FHOG for new homes. Buyers of established homes receive no concession or grant, making new builds relatively more attractive for first home buyers in SA.
| Purchase price | Stamp duty | As % of price |
|---|---|---|
| $400,000 | $15,358 | 3.8% |
| $500,000 | $21,330 | 4.3% |
| $600,000 | $24,047 | 4.0% |
| $700,000 | $30,830 | 4.4% |
| $800,000 | $37,613 | 4.7% |
| $1,000,000 | $46,580 | 4.7% |
| $1,500,000 | $76,857 | 5.1% |
Stamp duty is the largest upfront cost but not the only one. Budget for these additional items on top of your deposit and stamp duty:
Stamp duty on a $700,000 property in South Australia is approximately $30,830. Use the calculator above for an exact figure based on your purchase price and buyer status.
South Australia now offers zero stamp duty for first home buyers purchasing new homes, with NO price cap — matching Queensland as the most generous state for new home buyers. Established homes still attract no stamp duty concession. The $15,000 FHOG applies to new home purchases.
Stamp duty is payable on settlement day — the day you take legal ownership of the property. Your conveyancer will calculate the exact amount and arrange payment as part of the settlement process. You need to have the funds available by settlement.
No — stamp duty cannot be added to your home loan. It must be paid upfront at settlement from your own funds. This is why stamp duty is a critical part of your upfront cost budget alongside your deposit.
For owner-occupiers, stamp duty is not tax deductible. For investment properties, stamp duty forms part of the cost base of the asset and may reduce capital gains tax when you sell, but it is not deductible in the year of purchase. Always confirm with your accountant.