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Buying and Selling Costs Calculator
Calculate the full costs of buying or selling property in South Australia. Know exactly what you need before you commit.
What are you looking to do?
Choose your scenario and we'll calculate the costs involved.
Frequently asked questions
What are the total costs of buying a house in Adelaide?
Buying costs in Adelaide typically include stamp duty, conveyancing ($1,100), building and pest inspection ($550), transfer registration fees, PEXA settlement fees ($206), and potentially lenders mortgage insurance if your deposit is under 20%. On a $650,000 purchase, total buying costs are typically $25,000 to $35,000 depending on your deposit size and first home buyer status. We map out every cost in your first chat so there are no surprises at settlement.
How much does it cost to sell a house in Adelaide?
Selling costs in Adelaide typically include agent commission (2% to 3% of the sale price plus GST), conveyancing ($990), marketing costs ($1,500 to $3,000), and mortgage discharge fees ($350 plus $51 PEXA fee) if you have an existing loan. On a $650,000 sale, total costs are usually $18,000 to $25,000. Understanding your net proceeds is essential if you are planning to buy your next home.
Do first home buyers pay stamp duty in South Australia?
First home buyers in SA may receive a full stamp duty concession on established homes up to $560,000, saving up to $21,330. A partial concession applies between $560,000 and $700,000. For new homes, first home buyers pay zero stamp duty with no price cap. You may also qualify for the $15,000 First Home Owner Grant on new builds. Learn more about first home buyer support.
What is lenders mortgage insurance and when do I need it?
Lenders mortgage insurance (LMI) applies when your deposit is less than 20% of the purchase price. It protects the lender against default. The cost increases as your deposit decreases. At 10% deposit, expect roughly 1.5% to 2.5% of the loan amount. At 5% deposit, it can reach 4% or more. LMI can often be capitalised into the loan so you do not need to pay it upfront. Your broker will find lenders with competitive LMI pricing for your situation.
How do I calculate what I need to buy my next home after selling?
Use both tabs of this calculator. Enter your expected sale price and costs in the selling tab, then your target purchase price in the buying tab. Click "Show results" to see a combined breakdown showing whether your sale proceeds cover your deposit and buying costs, or whether you need additional funds. This is exactly the analysis we do with clients who are upgrading, downsizing, or relocating. Book a chat and we will map out the full picture.
Understanding property transaction costs in South Australia
Whether you are buying your first home, upgrading, or selling to move on, understanding the full cost picture is critical. Many buyers focus only on the deposit and purchase price, but stamp duty, legal fees, inspections, and insurance can add $20,000 or more to the total funds required. Sellers often underestimate agent commissions and discharge costs, leading to incorrect assumptions about their net position.
This calculator gives you a realistic estimate of every major cost involved in buying or selling property in South Australia. For buyers, it includes SA stamp duty calculated on the current nine bracket scale, first home buyer concessions, transfer fees, and an LMI estimate if your deposit is under 20%. For sellers, it covers agent commission (including GST), conveyancing, marketing, and mortgage discharge costs.
The figures here are estimates based on typical costs. Your actual costs will depend on your lender, conveyancer, agent, and specific circumstances. Book a chat with Jason or Steve and we will give you a personalised breakdown based on your real numbers.