South Australia Stamp Duty $300k β€” First Home Buyer | $0

A first home buyer purchasing a $300k property in South Australia pays $0 in stamp duty (after $11,330 concession).

Stamp Duty Payable

$0

on a $300k property in SA

Concession Saving

$11,330

vs standard rate

Buyer & Property Information

Stamp Duty Calculation

$11,330

Total Costs

$12,130

$1,363/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:

Property Price: $300,000
Bracket 8 ($300,000-$500,000): $11,330 + ($0 Γ— 5%)
= $11,330

First Home Buyer Stamp Duty Policy (SA):

Exceeds first home buyer threshold, full stamp duty applies = $11,330

Upfront Cost Breakdown

Total Upfront Costs

Stamp Duty$11,330
Conveyancing / Legal Fees (est.)$800
Total Upfront Costs$12,130

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

Deposit Ratio: %
Loan Term: Years
Interest Rate: %
Deposit Amount$60,000
Loan Amount$240,000

Mortgage Calculation (Principal & Interest)

Loan Amount$240,000
Loan Term30 Years
Interest Rate5.5%
Loan Type:
Monthly Repayment$1,363
= Monthly Payment = Loan Amount Γ— (Monthly Rate Γ— (1 + Monthly Rate)^Terms) Γ· ((1 + Monthly Rate)^Terms - 1)
= $240,000 Γ— (Monthly Rate: 0.004583 Γ— (1 + 0.004583)^Total Months: 360) Γ· ((1 + 0.004583)^360 - 1)
= $1,363
Total Repayment$490,570
Total Interest$250,570

Compare with Lenders

Rates as of 2026-07-15
LenderRateMonthlyDiff
Westpac5.99%$1,437+75
ING5.99%$1,437+75
Commonwealth Bank6.09%$1,453+90
Macquarie Bank6.09%$1,453+90
UBank6.09%$1,453+90
Bendigo Bank6.14%$1,461+98
Bank of Queensland6.14%$1,461+98
ANZ6.39%$1,500+137
NAB6.44%$1,508+145
Suncorp6.54%$1,523+161
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Mortgage Cashflow Over Time

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Cost Breakdown

ItemAmount
Property Price$300,000
Base Stamp Duty$11,330
Concession Savingβˆ’$11,330
Stamp Duty Payable$0

Frequently Asked Questions

How much stamp duty do I pay on a $300k property in South Australia?β–Ύ
A first home buyer purchasing a $300k property in South Australia pays $0 in stamp duty, after a concession saving of $11,330.
Are there stamp duty concessions for first home buyers in South Australia?β–Ύ
Yes. South Australia offers first home buyer relief β€” exempt up to $Infinityk with partial relief up to $Infinityk.
When is stamp duty due in South Australia?β–Ύ
In South Australia, stamp duty (transfer duty) is generally due within 3 months of signing the contract, or on settlement β€” whichever is earlier.
What is the stamp duty rate in South Australia?β–Ύ
South Australia uses a progressive bracket system. The exact rate depends on the purchase price β€” for a $300k purchase as a first home buyer, the effective rate is approximately 0.00%.

Compare Buyer Types β€” $300k in SA

Owner Occupier$11,330Investor$11,330Foreign Buyer$32,330

Stamp Duty at Other Prices β€” SA First Home Buyer

$500k$0$750k$0$900k$0$1M$0$1.25M$0$1.5M$0$2M$0$3M$0$5M$0

Need a Custom Calculation?

Use our full South Australia stamp duty calculator for exact amounts with your specific property details.

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South Australia Stamp Duty $300k β€” First Home Buyer | $0