South Australia (SA) Stamp Duty Calculator
Calculate stamp duty for property purchases in South Australia (SA). Includes first home buyer concessions, foreign buyer surcharge, LMI, and mortgage calculations.
Buyer & Property Information
Stamp Duty Calculation
$48,830
Total Costs
$50,630
$4,542/Month
Stamp Duty Calculation
I Am a,, For the Purpose of
Buying a Property in State With a Price of $
SA Base Stamp Duty Calculation:
Bracket 9 (>$500,000): $21,330 + ($500,000 × 5.5%)
= $48,830
Upfront Cost Breakdown
Total Upfront Costs
Conveyancing fee is an estimate only (typically $800–$2,500). Actual fees vary by conveyancer/solicitor and state.
Stamp Duty Comparison by State
Loan Calculation
Mortgage Calculation (Principal & Interest)
= $800,000 × (Monthly Rate: 0.004583 × (1 + 0.004583)^Total Months: 360) ÷ ((1 + 0.004583)^360 - 1)
= $4,542
Compare with Lenders
Rates as of 2026-03-10| Lender | Rate | Monthly | Diff |
|---|---|---|---|
| UBank | 5.74% | $4,664 | +121 |
| Macquarie Bank | 5.9% | $4,745 | +203 |
| ING | 5.93% | $4,760 | +218 |
| Bank of Queensland | 6.04% | $4,817 | +275 |
| Suncorp | 6.04% | $4,817 | +275 |
| Bendigo Bank | 6.09% | $4,843 | +300 |
| ANZ | 6.14% | $4,869 | +326 |
| Westpac | 6.19% | $4,895 | +352 |
| NAB | 6.19% | $4,895 | +352 |
| Commonwealth Bank | 6.24% | $4,921 | +378 |
Free, no obligation quote from leading Australian lenders
Mortgage Cashflow Over Time
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Key Points About South Australia Stamp Duty
📖 Full SA Stamp Duty Guide →- ✓Progressive scale from $1 to $5.50 per $100
- ✓First home buyer concessions available up to $650,000
- ✓Foreign buyer surcharge: 7%
- ✓Payment due within 2 months
South Australia offers first home buyer concessions on properties up to $650,000. The state applies a 7% foreign buyer surcharge on residential property purchases and uses a progressive stamp duty scale based on property value.
Frequently Asked Questions About South Australia Stamp Duty
How much is stamp duty in South Australia?
South Australia calculates stamp duty on a progressive scale from $1 per $100 for amounts up to $12,000, rising to $5.50 per $100 for amounts over $500,000.
Are there first home buyer concessions in SA?
Yes, South Australia offers stamp duty concessions for first home buyers on properties up to $650,000.
What is the foreign buyer surcharge in SA?
Foreign buyers in South Australia pay an additional 7% surcharge on residential property purchases.
When is stamp duty payable in SA?
Stamp duty in South Australia must be paid within 2 months of the contract date or occupation, whichever is earlier.
Stamp Duty Calculators for Other States
Data Update History
We keep our stamp duty rates, thresholds, and fees up to date. Here is a log of every data change.
- NSW
NSW foreign surcharge updated
NSW foreign buyer surcharge increased from 8% to 9%. FIRB application fees updated for FY2025-26.
- NSW, VIC, QLD, SA, WA, TAS, ACT, NT
Bank rates & FHB thresholds updated
Updated bank comparison interest rates for March 2026. Revised First Home Buyer stamp duty concession thresholds across multiple states.
Year references updated to 2026
All page titles, meta descriptions, keywords, headlines, and structured data updated from 2025 to 2026.
Bank rate configuration centralised
Replaced hardcoded bank interest rates with a centralised configuration file for easier maintenance.
- QLD, SA, WA, TAS, ACT, NT
All states & territories added
Added stamp duty calculations for QLD, SA, WA, TAS, ACT, and NT alongside existing NSW and VIC support.
- NSW, VIC
Initial launch
Stamp duty calculator launched with NSW and VIC support, including first home buyer concessions and rebate calculations.