Stamp Duty on $1,000,000 SA 2026 — $48,830 Standard, $48,830 for FHB

30-SECOND ANSWER

For a $1,000,000 property in South Australia, the standard 2026 transfer duty is $48,830. Eligible first home buyers pay $48,830. Scheme: New homes only.

First home buyer exemption status

SA FHB exemption rules in 2026:

Full exemption: properties up to $650,000
Above threshold: standard rates apply, no FHB relief
Note: New homes only

For your $1,000,000 purchase: Standard rate — above the SA FHB concession ceiling.

Breakdown by buyer type (at $1,000,000)

Standard buyer (non-FHB)	$48,830
First home buyer — established home	$48,830
First home buyer — new build	$48,830

$1,000,000 stamp duty by state — full comparison

State	Standard	FHB (established)	FHB (new build)
NSW	$39,531	$39,531	$39,531
VIC	$55,000	$55,000	$55,000
QLD	$38,025	$38,025	$0
WA	$42,616	$42,616	$42,616
SA	$48,830	$48,830	$48,830
TAS	$40,185	$40,185	$40,185
ACT	$35,380	$0	$0
NT	$49,500	$49,500	$0

Calculated from 2026 state revenue tiered formulas. Excludes foreign-buyer surcharge and absentee-owner levies. For an interactive calculator with all options, use the stamp duty calculator.

FAQs about 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 — above the SA FHB concession ceiling). The SA full FHB exemption threshold is $650,000.

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 — above the sa fhb concession ceiling). New homes only

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, gift, or in some cases a separate personal loan. First home buyer exemptions remove this requirement at lower price points.