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Calculate stamp duty for any Australian state or territory. Includes first home buyer concessions and investment property rates for 2026.
SA stamp duty is calculated on a sliding scale based on the purchase price. For a $500,000 property the duty is $21,330. For a $600,000 property it is $26,830. First home buyers may receive a full concession up to $560,000 and a partial concession up to $700,000.
First home buyers in SA may receive a full stamp duty concession on properties up to $560,000 - saving up to $21,330. A partial concession applies between $560,000 and $700,000. Eligibility depends on the property type and whether you have previously owned property.
The SA First Home Owner Grant is a $15,000 one-off payment for eligible buyers of new or substantially renovated homes valued under $650,000. It is separate from the stamp duty concession - you may be eligible for both. Lendology helps you apply for both simultaneously.
Stamp duty is typically paid at settlement. Your conveyancer will arrange payment on your behalf from the settlement funds. It is important to budget for stamp duty as part of your upfront costs when calculating how much deposit you need.
No - stamp duty cannot be added to the home loan in most cases. It must be paid in cash at settlement. This is why it is critical to factor stamp duty into your deposit savings. Lendology calculates your full upfront cost requirement in your first chat.
Stamp duty - officially called transfer duty - is a state government tax paid when you buy property. It's calculated as a percentage of the purchase price or market value, and the amount varies significantly between states and territories. In South Australia, stamp duty on a $600,000 property is approximately $24,830 for a standard purchase.
The biggest variable is concessions. First home buyers in SA pay no stamp duty on properties up to $650,000 and receive a discount on properties up to $700,000. If you're buying a new build, you may also qualify for the $15,000 First Home Owner Grant. These concessions can save $20,000 or more - but eligibility rules are specific and the thresholds matter.
Stamp duty is typically paid at settlement and must be factored into your upfront costs alongside your deposit, legal fees, and any lenders mortgage insurance. Many first home buyers underestimate these costs and find themselves short at settlement. We help you map out the full picture - including every grant, concession, and cost - before you start looking at properties.
Select your state, enter the purchase price, and indicate whether you're a first home buyer, owner-occupier, or investor. The calculator will show the applicable stamp duty including any concessions. For SA buyers, also check our detailed stamp duty guide which covers the latest thresholds and exemptions.
Remember, stamp duty is just one part of your total purchase cost. Book a chat and we'll give you a complete cost breakdown personalised to your situation - including how to structure your deposit and whether you qualify for any government support.