South Australia Stamp Duty $3M β€” Foreign Buyer | $368,830

A foreign buyer purchasing a $3M property in South Australia pays $368,830 in stamp duty (including $210,000 foreign-buyer surcharge).

Stamp Duty Payable

$368,830

on a $3M property in SA

Foreign Buyer Surcharge

$210,000

Buyer & Property Information

Stamp Duty Calculation

$158,830

+ $210,000 Foreign Buyer Additional Stamp Duty

Total Costs

$553,130

$13,627/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: $3,000,000
Bracket 9 (>$500,000): $21,330 + ($2,500,000 Γ— 5.5%)
= $158,830

Foreign Buyer Additional Stamp Duty Calculation (SA):

= Property Price Γ— Foreign Buyer Rate
= $3,000,000 Γ— 0.07
= $210,000

Total Duty = $368,830

Upfront Cost Breakdown

Total Upfront Costs

Stamp Duty$158,830
Foreign Buyer Surcharge$210,000
FIRB Application Fee$181,800
Conveyancing / Legal Fees (est.)$2,500
Total Upfront Costs$553,130

Conveyancing fee is an estimate only (typically $800–$2,500). Actual fees vary by conveyancer/solicitor and state.

Stamp Duty Comparison by State

Foreign Buyer Extra Costs

FIRB Application Fee$181,800
Based on Property Price: $3,000,000
Property Type: Used Property
Price Bracket: $3,000,000 - $4,000,000
FIRB Application Fee: $181,800

Loan Calculation

Deposit Ratio: %
Loan Term: Years
Interest Rate: %
Deposit Amount$600,000
Loan Amount$2,400,000

Mortgage Calculation (Principal & Interest)

Loan Amount$2,400,000
Loan Term30 Years
Interest Rate5.5%
Loan Type:
Monthly Repayment$13,627
= Monthly Payment = Loan Amount Γ— (Monthly Rate Γ— (1 + Monthly Rate)^Terms) Γ· ((1 + Monthly Rate)^Terms - 1)
= $2,400,000 Γ— (Monthly Rate: 0.004583 Γ— (1 + 0.004583)^Total Months: 360) Γ· ((1 + 0.004583)^360 - 1)
= $13,627
Total Repayment$4,905,697
Total Interest$2,505,697

Compare with Lenders

Rates as of 2026-07-15
LenderRateMonthlyDiff
Westpac5.99%$14,374+747
ING5.99%$14,374+747
Commonwealth Bank6.09%$14,528+901
Macquarie Bank6.09%$14,528+901
UBank6.09%$14,528+901
Bendigo Bank6.14%$14,606+979
Bank of Queensland6.14%$14,606+979
ANZ6.39%$14,996+1,369
NAB6.44%$15,075+1,448
Suncorp6.54%$15,233+1,606
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Mortgage Cashflow Over Time

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Cost Breakdown

ItemAmount
Property Price$3,000,000
Base Stamp Duty$158,830
Foreign Buyer Surcharge+$210,000
Stamp Duty Payable$368,830

Frequently Asked Questions

How much stamp duty do I pay on a $3M property in South Australia?β–Ύ
A foreign buyer purchasing a $3M property in South Australia pays $368,830 in stamp duty.
Are there stamp duty concessions for foreign buyers in South Australia?β–Ύ
Standard rates apply for foreign buyers. No concessional rates are available.
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 $3M purchase as a foreign buyer, the effective rate is approximately 12.29%.

Compare Buyer Types β€” $3M in SA

Owner Occupier$158,830First Home Buyer$0Investor$158,830

Stamp Duty at Other Prices β€” SA Foreign Buyer

$300k$32,330$500k$56,330$750k$87,580$900k$106,330$1M$118,830$1.25M$150,080$1.5M$181,330$2M$243,830$5M$618,830

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 $3M β€” Foreign Buyer | $368,830