Stamp Duty on $1.2M Property — SA
Stamp duty on a $1,200,000 property in South Australia is $59,830.00. See total costs, first home buyer savings, and compare to other states.
Last verified: 1 July 2025Stamp Duty: $59,830.00
On a $1,200,000 property in South Australia, stamp duty is $59,830.00 at an effective rate of 4.99% (2025-26 rates).
Cost Breakdown
| Property price | $1,200,000 |
| Stamp duty (standard buyer) | $59,830.00 |
| Effective stamp duty rate | 4.99% |
| Legal / conveyancing fees (est.) | $2,000.00 |
| Building & pest inspection (est.) | $500.00 |
| Total purchase cost | $1,262,330.00 |
First Home Buyer Stamp Duty — SA
At $1,200,000, first home buyer concessions in South Australia do not reduce stamp duty. The property value exceeds the concession threshold. Standard duty of $59,830.00 applies.
Foreign Buyer Stamp Duty
Foreign purchasers pay an additional 7% surcharge ($84,000.00) on top of standard stamp duty.
Total foreign buyer stamp duty: $143,830.00
Stamp Duty on $1.2M — All States
| State | Stamp Duty | Effective Rate |
|---|---|---|
| New South Wales | $49,055.00 | 4.09% |
| Victoria | $65,870.00 | 5.49% |
| Queensland | $49,525.00 | 4.13% |
| Western Australia | $54,379.00 | 4.53% |
| South Australia | $59,830.00 | 4.99% |
| Tasmania | $49,185.00 | 4.10% |
| Australian Capital Territory | $54,663.00 | 4.56% |
| Northern Territory | $95.00 | 0.01% |
Mortgage Impact — Adding Stamp Duty to Your Loan
If you add $59,830.00 stamp duty to your home loan instead of paying upfront, here is how it affects your repayments (based on 80% LVR, 6.25% rate, 30-year term):
| Monthly repayment (without stamp duty in loan) | $5,910.89 |
| Monthly repayment (with stamp duty in loan) | $6,279.27 |
| Extra per month | +$368.38 |
| Extra interest paid over 30 years | $72,788.10 |
Paying stamp duty upfront saves you $72,788.10 in interest over the life of your loan.
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Frequently Asked Questions
How much is stamp duty on a $1,200,000 house in South Australia?
Stamp duty on a $1,200,000 property in South Australia is $59,830.00 for a standard buyer (2025-26 rates). This is an effective rate of 4.99%.
Do first home buyers pay stamp duty in South Australia?
At $1,200,000, first home buyer concessions in South Australia do not reduce stamp duty below the standard amount of $59,830.00. The property value exceeds the concession threshold.
What are the total costs of buying a $1,200,000 property in South Australia?
The total estimated cost is approximately $1,262,330.00, which includes the purchase price ($1,200,000), stamp duty ($59,830.00), legal/conveyancing fees (~$2,000), and building/pest inspections (~$500).
General information and estimates only — not financial, tax, or legal advice. Always verify with a licensed adviser or the ATO.
Learn more
Complete guide to NSW stamp duty rates for 2025-26. Find out what you'll pay, first home buyer exemptions, and how the property tax option works.
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NSW Stamp Duty Calculator 2025-26: How Much Will You Pay?Calculate your NSW stamp duty (transfer duty) for 2025-26. Covers standard rates, first home buyer exemptions, the First Home Buyer Choice property tax option, and foreign buyer surcharges.