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What is stamp duty in SA?

Stamp duty in South Australia (SA), also known as transfer duty, is a state government tax applied to the sale or transfer of many personal and business-related assets, most commonly real estate.

How much is stamp duty in SA?

Stamp duty in South Australia is calculated on a sliding scale based on the property value. In SA, only first-home buyers get concessional rates for properties under a nominated threshold.

Stamp duty costs in SA will vary depending on:

  • The property's value
  • Your residency status
  • Your eligibility as a first-home buyer
  • Your eligibility for pensioner concessions

General stamp duty rates in South Australia

Purchase price of propertyStamp duty payable

$0 - $12,000

$1 for every $100 or part of $100

$12,001 - $30,000

$120, plus $2.00 for every $100 or part of $100 over $12,000

$30,001 - $50,000

$480, plus $3.00 for every $100 or part of $100 over $30,000

$50,001 - $100,000

$1,080, plus $3.50 for every $100 or part of $100 over $50,000

$100,001 - $200,000

$2,830, plus $4.00 for every $100 or part of $100 over $100,000

$200,001 - $250,000

$6,830, plus $4.25 for every $100 or part of $100 over $200,000

$250,001 - $300,000

$8,955, plus $4.75 for every $100 or part of $100 over $250,000

$300,001 - $500,000

$11,330, plus $5.00 for every $100 or part of $100 over $300,000

$500,000+

$21,330, plus $5.50 for every $100 or part of $100 over $500,000

$500,000 vs $750,000 property stamp duty example calculation in SA

Property priceOwner-occupier stamp dutyInvestment stamp duty

$500,000

$21,330

$21,330

$700,000

$33,955

$33,955

Note: This is an example based on current SA stamp duty rates and not an accurate indication of how much you will need to pay. It excludes any applicable stamp duty exemptions or mortgage registration and transfer fees.

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First-home buyers of properties between $650,000-$700,000 will get a stamp duty relief in SA.

First-home buyer stamp duty rates in SA

Property value First-home buyer stamp duty payable

$0 - $650,000

Nil

$660,000

$6,026

$670,000

$12,272

$680,000

$18,738

$690,000

$25,424

$700,000+

$32,330

Who pays stamp duty in SA?

Property buyers (individuals or business) or whoever receives the asset (even as a gift) pays stamp duty in SA (unless an exemption applies). Keep in mind that stamp duty is an upfront cost you need to budget for on top of your deposit, property price, conveyancing and insurance.

Luckily, most lenders allow you to increase the principal amount of your home loan to account for stamp duty. This will increase your home loan repayments. If you're buying a property with the help of a conveyancer, they may take care of the paperwork and lodge the payment with the revenue office on your behalf.

When is stamp duty in SA payable?

In SA, stamp duty is payable at or before settlement — when the property is legally transferred to your name.

How do you pay stamp duty in SA?

Stamp duty can be paid by direct deposit, cheque, credit card, and other major payment options. In most cases, you'll receive a notice from RevenueSA or another finance department delivered to the address of the purchased property or via email. This letter will often contain:

  • The amount of stamp duty payable
  • Details on the tax and how it was calculated
  • Concessions or exemptions included in the calculation
  • Payment options
  • Payment due date
  • Information regarding late payments and associated penalties or charges
  • Reference details for the notice and payment

What are the stamp duty exemptions in SA?

South Australia has fewer stamp duty concessions or exemptions than other states and territories. However, there are some typical exemptions, including:

  • First-home buyer exemption: Full stamp duty exemption applies for first homes valued under $650,000 or vacant land under $400,000. There’s also a $15,000 first-home buyer grant in SA that may help further reduce the cost of buying a home.

  • Transfers between domestic partners: Stamp duty exemptions apply for transfers of primary residence between spouses or former spouses.

  • Transfers from a deceased estate: Full exemptions apply to transfers of property to a beneficiary, executor or administrator of a deceased estate.

  • Farming land exemption: Exemptions may apply when transferring primary production land between family members and/or their trustees.

Calculate stamp duty in your state or territory