South Australia Stamp Duty $500k β€” First Home Buyer | $0

A first home buyer purchasing a $500k property in South Australia pays $0 in stamp duty (after $21,330 concession).

Stamp Duty Payable

$0

on a $500k property in SA

Concession Saving

$21,330

vs standard rate

Buyer & Property Information

Stamp Duty Calculation

$21,330

Total Costs

$22,430

$2,271/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: $500,000
Bracket 9 (>$500,000): $21,330 + ($0 Γ— 5.5%)
= $21,330

First Home Buyer Stamp Duty Policy (SA):

Exceeds first home buyer threshold, full stamp duty applies = $21,330

Upfront Cost Breakdown

Total Upfront Costs

Stamp Duty$21,330
Conveyancing / Legal Fees (est.)$1,100
Total Upfront Costs$22,430

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$100,000
Loan Amount$400,000

Mortgage Calculation (Principal & Interest)

Loan Amount$400,000
Loan Term30 Years
Interest Rate5.5%
Loan Type:
Monthly Repayment$2,271
= Monthly Payment = Loan Amount Γ— (Monthly Rate Γ— (1 + Monthly Rate)^Terms) Γ· ((1 + Monthly Rate)^Terms - 1)
= $400,000 Γ— (Monthly Rate: 0.004583 Γ— (1 + 0.004583)^Total Months: 360) Γ· ((1 + 0.004583)^360 - 1)
= $2,271
Total Repayment$817,616
Total Interest$417,616

Compare with Lenders

Rates as of 2026-07-15
LenderRateMonthlyDiff
Westpac5.99%$2,396+124
ING5.99%$2,396+124
Commonwealth Bank6.09%$2,421+150
Macquarie Bank6.09%$2,421+150
UBank6.09%$2,421+150
Bendigo Bank6.14%$2,434+163
Bank of Queensland6.14%$2,434+163
ANZ6.39%$2,499+228
NAB6.44%$2,513+241
Suncorp6.54%$2,539+268
Compare home loan rates

Free, no obligation quote from leading Australian lenders

Mortgage Cashflow Over Time

πŸ“Š Get a Personalised Property Report

Receive a detailed breakdown of all costs, savings opportunities, and a comparison with similar properties in your area β€” delivered straight to your inbox.

We respect your privacy. No spam, unsubscribe anytime.

Cost Breakdown

ItemAmount
Property Price$500,000
Base Stamp Duty$21,330
Concession Savingβˆ’$21,330
Stamp Duty Payable$0

Frequently Asked Questions

How much stamp duty do I pay on a $500k property in South Australia?β–Ύ
A first home buyer purchasing a $500k property in South Australia pays $0 in stamp duty, after a concession saving of $21,330.
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 $500k purchase as a first home buyer, the effective rate is approximately 0.00%.

Compare Buyer Types β€” $500k in SA

Owner Occupier$21,330Investor$21,330Foreign Buyer$56,330

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

$300k$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.

Open SA Calculator
South Australia Stamp Duty $500k β€” First Home Buyer | $0