For a $1,000,000 property in South Australia, the standard 2026 transfer duty is $48,830. Eligible first home buyers pay $48,830.
First home buyer exemption status
SA first home buyer rules in 2026:
First home buyers pay $0 on new or off-the-plan homes, with no price cap. Established homes pay the standard rate.
Breakdown by buyer type (at $1,000,000)
| Standard buyer (non first home buyer) | $48,830 |
|---|---|
| First home buyer, established home | $48,830 |
| First home buyer, new build | $0 (save $48,830) |
$1,000,000 stamp duty by state
| State | Standard | FHB (established) | FHB (new build) |
|---|---|---|---|
| NSW | $39,187 | $39,187 | $39,187 |
| VIC | $55,000 | $55,000 | $55,000 |
| QLD | $30,850 | $30,850 | $0 |
| WA | $42,616 | $42,616 | $42,616 |
| SA | $48,830 | $48,830 | $0 |
| TAS | $40,185 | $40,185 | $40,185 |
| ACT | $33,958 | $0 | $0 |
| NT | $49,500 | $49,500 | $0 |
Calculated from 2026 (FY2026-27) state revenue tiered formulas. Excludes the foreign-buyer surcharge and absentee-owner levies. For an interactive calculator with all options, use the stamp duty calculator.
FAQs: stamp duty on $1,000,000 in SA
How much is stamp duty on a $1,000,000 property in South Australia in 2026?
For a $1,000,000 property in South Australia, the standard transfer duty in 2026 is $48,830. Eligible first home buyers pay $48,830 (Standard rate, SA has no first-home stamp-duty concession on established homes). First home buyers pay $0 on new or off-the-plan homes, with no price cap. Established homes pay the standard rate.
Do I pay stamp duty in South Australia as a first home buyer?
For a $1,000,000 property, you pay $48,830 as a first home buyer (standard rate, sa has no first-home stamp-duty concession on established homes). First home buyers pay $0 on new or off-the-plan homes, with no price cap. Established homes pay the standard rate.
When is stamp duty paid on a $1,000,000 South Australia purchase?
Stamp duty in South Australia is generally payable at or shortly after settlement. Your conveyancer or solicitor arranges the payment from your settlement funds, so you do not need to transfer it separately, but you do need to budget for it alongside your deposit.
Can I add stamp duty to my home loan?
Stamp duty is not typically rolled into the loan amount. It sits alongside your deposit as part of your cash-to-close. For a $1,000,000 property in South Australia, the standard stamp duty of $48,830 would need to be paid from cash savings, a gift, or in some cases a separate personal loan. First home buyer exemptions remove this requirement at lower price points.