Stamp Duty on $350K Property — SA
Stamp duty on a $350,000 property in South Australia is $13,830.00. See total costs, first home buyer savings, and compare to other states.
Last verified: 1 July 2025Stamp Duty: $13,830.00
On a $350,000 property in South Australia, stamp duty is $13,830.00 at an effective rate of 3.95% (2025-26 rates).
Cost Breakdown
| Property price | $350,000 |
| Stamp duty (standard buyer) | $13,830.00 |
| Effective stamp duty rate | 3.95% |
| Legal / conveyancing fees (est.) | $2,000.00 |
| Building & pest inspection (est.) | $500.00 |
| Total purchase cost | $366,330.00 |
First Home Buyer Stamp Duty — SA
At $350,000, first home buyer concessions in South Australia do not reduce stamp duty. The property value exceeds the concession threshold. Standard duty of $13,830.00 applies.
Foreign Buyer Stamp Duty
Foreign purchasers pay an additional 7% surcharge ($24,500.00) on top of standard stamp duty.
Total foreign buyer stamp duty: $38,330.00
Stamp Duty on $350K — All States
| State | Stamp Duty | Effective Rate |
|---|---|---|
| New South Wales | $10,495.00 | 3.00% |
| Victoria | $16,070.00 | 4.59% |
| Queensland | $10,675.00 | 3.05% |
| Western Australia | $10,735.00 | 3.07% |
| South Australia | $13,830.00 | 3.95% |
| Tasmania | $11,935.00 | 3.41% |
| Australian Capital Territory | $6,663.00 | 1.90% |
| Northern Territory | $8.00 | 0.00% |
Mortgage Impact — Adding Stamp Duty to Your Loan
If you add $13,830.00 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) | $1,724.01 |
| Monthly repayment (with stamp duty in loan) | $1,809.16 |
| Extra per month | +$85.15 |
| Extra interest paid over 30 years | $16,825.33 |
Paying stamp duty upfront saves you $16,825.33 in interest over the life of your loan.
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Frequently Asked Questions
How much is stamp duty on a $350,000 house in South Australia?
Stamp duty on a $350,000 property in South Australia is $13,830.00 for a standard buyer (2025-26 rates). This is an effective rate of 3.95%.
Do first home buyers pay stamp duty in South Australia?
At $350,000, first home buyer concessions in South Australia do not reduce stamp duty below the standard amount of $13,830.00. The property value exceeds the concession threshold.
What are the total costs of buying a $350,000 property in South Australia?
The total estimated cost is approximately $366,330.00, which includes the purchase price ($350,000), stamp duty ($13,830.00), 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
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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.