Stamp Duty on $450K Property — SA
Stamp duty on a $450,000 property in South Australia is $18,830.00. See total costs, first home buyer savings, and compare to other states.
Last verified: 1 July 2025Stamp Duty: $18,830.00
On a $450,000 property in South Australia, stamp duty is $18,830.00 at an effective rate of 4.18% (2025-26 rates).
Cost Breakdown
| Property price | $450,000 |
| Stamp duty (standard buyer) | $18,830.00 |
| Effective stamp duty rate | 4.18% |
| Legal / conveyancing fees (est.) | $2,000.00 |
| Building & pest inspection (est.) | $500.00 |
| Total purchase cost | $471,330.00 |
First Home Buyer Stamp Duty — SA
At $450,000, first home buyer concessions in South Australia do not reduce stamp duty. The property value exceeds the concession threshold. Standard duty of $18,830.00 applies.
Foreign Buyer Stamp Duty
Foreign purchasers pay an additional 7% surcharge ($31,500.00) on top of standard stamp duty.
Total foreign buyer stamp duty: $50,330.00
Stamp Duty on $450K — All States
| State | Stamp Duty | Effective Rate |
|---|---|---|
| New South Wales | $14,985.00 | 3.33% |
| Victoria | $22,070.00 | 4.90% |
| Queensland | $14,175.00 | 3.15% |
| Western Australia | $15,750.00 | 3.50% |
| South Australia | $18,830.00 | 4.18% |
| Tasmania | $16,123.00 | 3.58% |
| Australian Capital Territory | $10,813.00 | 2.40% |
| Northern Territory | $13.00 | 0.00% |
Mortgage Impact — Adding Stamp Duty to Your Loan
If you add $18,830.00 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) | $2,216.58 |
| Monthly repayment (with stamp duty in loan) | $2,332.52 |
| Extra per month | +$115.94 |
| Extra interest paid over 30 years | $22,908.24 |
Paying stamp duty upfront saves you $22,908.24 in interest over the life of your loan.
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Frequently Asked Questions
How much is stamp duty on a $450,000 house in South Australia?
Stamp duty on a $450,000 property in South Australia is $18,830.00 for a standard buyer (2025-26 rates). This is an effective rate of 4.18%.
Do first home buyers pay stamp duty in South Australia?
At $450,000, first home buyer concessions in South Australia do not reduce stamp duty below the standard amount of $18,830.00. The property value exceeds the concession threshold.
What are the total costs of buying a $450,000 property in South Australia?
The total estimated cost is approximately $471,330.00, which includes the purchase price ($450,000), stamp duty ($18,830.00), 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.