Stamp duty in South Australia
Stamp duty is a tax on property charged by the South Australian government.
When you purchase a property in South Australia, you will probably be required to pay stamp duty to the SA government. This one-off charge applies to the transfer of residential and primary production properties within SA. It's payable by owner-occupiers, investors and first home buyers, but there are concessions available for some first home buyers.
How much is stamp duty in South Australia?
In South Australia, stamp duty is calculated on a sliding scale based on either the value of the property (including improvements) or the sale price (including GST), whichever is greater. This includes vacant land that is in a residential zone, even if there's no dwelling or plans to build one.
| Value of property | Stamp duty payable |
|---|---|
| Less than $12,000 | $1.00 for every $100 (or part of) |
| Between $12,000 and $30,000 | $120, plus $2.00 for every $100 over $12,000 |
| Between $30,000 and $50,000 | $480, plus $3.00 for every $100 over $30,000 |
| Between $50,000 and $100,000 | $1,080, plus $3.50 for every $100 over $50,000 |
| Between $100,000 and $200,000 | $2,830, plus $4.00 for every $100 over $200,000 |
| Between $200,000 and $250,000 | $6,830, plus $4.25 for every $100 over $200,000 |
| Between $250,000 and $300,000 | $8,955, plus $4.75 for every $100 over $250,000 |
| Between $300,000 and $500,000 | $11,330, plus $5.00 for every $100 over $300,000 |
| More than $500,000 | $21,330, plus $5.50 for every $100 over $500,000 |
Source: Revenue SA
Stamp duty calculator
Use our stamp duty calculator to estimate your costs. Just set the state to SA before entering your details. Note that this is an estimate and may not reflect your actual costs.
Finder survey: What do Australians think is the biggest hurdle to getting a home loan?
| Response | |
|---|---|
| The deposit | 41.55% |
| Getting approved for a loan with a good interest rate | 25.09% |
| Finding the right property | 14.12% |
| Getting a loan without typical employment | 9.35% |
| Nothing - I do not think there are hurdles | 5.94% |
| Previous debts | 3.33% |
| Other | 0.63% |
Source: Finder survey by Pure Profile of 1112 Australians, December 2023
Stamp duty concessions for first home buyers
As of 2023, South Australia does offer a stamp duty concession for first home buyers.
For properties valued at less than $650,000, or for vacant land valued at less than $400,000, you won't have to pay stamp duty at all.
For properties between $650,000 and $700,000, or for vacant land between $400,000 and $450,000, the stamp duty you pay will be partially reduced.
First home buyers are only eligible for stamp duty relief if they entered into their contract on the 15 June 2023 or later.
The eligibility criteria is similar to that of the First Home Owner Grant (FHOG), so you may be eligible for both the $15,000 grant and stamp duty relief.
When is stamp duty payable?
Stamp duty is payable at settlement, when the property transfers to your name. If you don't pay on time, you may be hit with penalty tax and interest, which can be a considerable sum. You, or your conveyancer, can download the required documents from the Revenue SA website to ensure you have your stamp duty determined and paid on time.
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