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Stamp Duty Calculator Australia
Calculate stamp duty for all 8 states and territories in 2026. Includes first home buyer concessions and investment property rates.
How stamp duty works in Australia
Stamp duty - officially called transfer duty - is a state government tax paid when you buy property. It is 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 $26,830 for a standard purchase.
The biggest variable is concessions. First home buyers in SA may receive a full stamp duty concession on established homes up to $560,000 and a partial concession up to $700,000. For new homes, first home buyers pay zero stamp duty with no price cap. If you are 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 before you start looking at properties.
Using this calculator
Select your state, enter the purchase price, and indicate whether you are a first home buyer, owner-occupier, or investor. The calculator will show the applicable stamp duty including any concessions. Remember, stamp duty is just one part of your total purchase cost. Book a chat and we will give you a complete cost breakdown personalised to your situation.
Frequently asked questions
How is stamp duty calculated in South Australia?
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.
Do first home buyers pay stamp duty in SA?
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.
What is the First Home Owner Grant in SA?
The SA First Home Owner Grant is a $15,000 one-off payment for eligible buyers of new or substantially renovated homes with no price cap (the previous $650,000 cap was removed in June 2024). It is separate from the stamp duty concession - you may be eligible for both. Lendology helps you apply for both simultaneously.
When is stamp duty paid?
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.
Can stamp duty be added to the loan?
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.