Residential Stamp Duty Calculator

Planning to purchase property in South Australia? Our easy-to-use Stamp Duty Calculator is here to help you estimate the government fees associated with your property transaction. Simply enter your property price, select whether you’re buying to live in or as an investment, and let the tool do the rest. It calculates key fees including stamp duty, mortgage registration, and transfer fees—and if you’re a first home buyer building a new home, it even factors in the First Home Owner Grant.

Use this calculator to get a clear breakdown of your up-front costs, so you can plan your budget effectively and make informed decisions about your property purchase.

Understand the setup costs, including stamp duty and other fees, you will have to pay on your property purchase. Surcharges or additional duties (such as transfer fees) may apply given your individual circumstances.

Other Fees

Our calculator is designed to provide you with an estimate of the primary upfront costs—including stamp duty—that you may incur when purchasing property. This tool helps you factor these costs into your savings plan, but please note it does not capture every possible fee or concession that might apply to your unique situation.

Important Information:

• Exclusions:
  The calculator does not include all additional concessions (such as extra first home buyer discounts or government-backed schemes) or any surcharges and additional duties (like certain transfer fees) that may apply based on your individual circumstances.
• Rate Updates:
  Stamp duty and other government fees are subject to change. We cannot guarantee that the rates provided are current or applicable to your specific case. Always confirm the fees, duties, and any available exemptions or concessions with your banker, solicitor/conveyancer, or the relevant government authority.

First Home Buyers:

If you are purchasing your first property as your primary residence, you may be eligible for a stamp duty exemption or concession. For more details or to confirm your eligibility, please consult with your banker, solicitor, conveyancer, or your state/territory revenue office.

Terms and Definitions:

• Stamp Duty:
  Often referred to as land transfer duty, this tax is charged on property purchases and varies between states and territories.
• Mortgage Registration Fee:
  A fee levied by the government to register the mortgage on the property title.
• Transfer Fee:
  A government fee that covers the administrative costs of transferring the property title from the seller to the buyer.
• Foreign Ownership Surcharge:
  Foreign persons (which includes natural persons and corporations) or foreign trusts that acquire an interest in residential land in South Australia are required to pay a foreign ownership surcharge (the “surcharge”) of 7% of the value of the interest in residential land.

The Australian Government has announced restrictions on foreign purchases of established residential homes, from 1 April 2025. See the Australian Taxation Office website for more details(external site).

Assumptions & Setup Costs:

• The calculations include only the basic government registration fees and stamp duty based on the purchase price you enter, assuming a single real property mortgage.
• They do not cover additional costs such as registration fees for mortgage discharges, extra mortgages, lenders mortgage insurance, lender fees, conveyancing charges, or moving costs.
• You may need to budget for these extra expenses separately based on your home-buying scenario.

Use this tool as a guide to estimate the main government charges involved in a property purchase, and always verify all details with the appropriate professionals for the most accurate and personalized information.