Stamp Duty on $1,000,000 in South Australia (2025-26)
Stamp duty on a $1,000,000 property in South Australia is estimated at $48,830. Including transfer and mortgage registration fees, upfront government costs are about $49,204. This page breaks down each amount and shows concession scenarios.
Stamp duty in South Australia
South Australia uses a straightforward progressive bracket system with no separate owner-occupier concession — all buyers pay the same rate. SA has been phasing out stamp duty for certain transactions and offers generous first home buyer relief including full exemption on new homes up to $650,000.
Cost Breakdown
| Purchase price | $1,000,000 |
| Stamp duty (SA) | $48,830.00 |
| Transfer registration fee | $187.00 |
| Mortgage registration fee | $187.00 |
| Total upfront government costs | $49,204.00 |
| Effective stamp duty rate | 4.88% |
First Home Buyer Concession
| Standard stamp duty | $48,830.00 |
| First home buyer duty | $48,830.00 |
| FHB saving | $0.00 |
Use our SA First Home Buyer Calculator to check eligibility and get a detailed breakdown.
Compare Nearby Prices in SA
| Price | Stamp Duty | Effective Rate |
|---|---|---|
| $900,000 | $43,330.00 | 4.81% |
| $1,000,000 | $48,830.00 | 4.88% |
| $1,100,000 | $54,330.00 | 4.94% |
Compare $1,000,000 Across States
Buying in this price range
Between $800,000 and $1.3 million, stamp duty becomes a major transaction cost — typically $30,000 to $60,000 depending on the state. First home buyer concessions are largely exhausted at this level (except NSW, which extends to $1 million). The NSW premium property surcharge starts at $1 million for certain foreign buyers. At this price, the choice of state has a significant financial impact: duty on a $1 million property ranges from about $18,000 in the ACT to $40,000 in NSW.
State comparison matters more
On a $1 million property, stamp duty ranges from approximately $18,000 (ACT, with ongoing higher rates) to $40,000 (NSW). If you are choosing between locations near a state border (e.g., Canberra vs Queanbeyan, Gold Coast vs Tweed Heads), the stamp duty difference can be significant.
Budget for total transaction costs
Stamp duty is the largest government cost, but add conveyancing ($1,500-$3,000), building and pest inspection ($500-$800), and loan establishment fees. On a $1 million purchase, total transaction costs including stamp duty can reach $50,000-$70,000.
Foreign buyer surcharges escalate
At $1 million, foreign buyer surcharges in NSW (8%), VIC (8%), and QLD (7%) add $70,000-$80,000 on top of standard duty. This makes the total duty for a foreign buyer over $100,000 in most eastern states.
Typical buyers: Established professionals upgrading, families in inner suburbs, investors purchasing houses, and interstate movers comparing markets.
Frequently Asked Questions
How much is stamp duty on a $1,000,000 property in SA?
Stamp duty on a $1,000,000 property in South Australia is $48,830. This represents an effective stamp duty rate of 4.88% of the purchase price. Including transfer and mortgage registration fees, total upfront government costs are $49,204.
What are the total upfront costs on a $1M property in SA?
For a $1,000,000 property in South Australia, total upfront government costs are approximately $49,204. This includes stamp duty of $48,830, a transfer registration fee of $187, and a mortgage registration fee of $187.
Do first home buyers get a discount on $1M in SA?
At $1,000,000, first home buyer concessions in South Australia do not reduce the stamp duty amount. The concession thresholds are below this price point. Standard stamp duty of $48,830 applies.
How is stamp duty calculated in SA?
South Australia uses a progressive bracket system for stamp duty. The rate increases as the property value rises, similar to income tax brackets. Only the portion of the price within each bracket is taxed at that bracket's rate. Use our interactive SA Stamp Duty Calculator for a detailed breakdown.
Need a detailed calculation?
Our interactive SA Stamp Duty Calculator lets you enter any property value and see a full breakdown of duty, fees, and concessions.
First home buyer? Check your eligibility with the SA First Home Buyer Calculator.