Questions about buying in South Australia
How much is stamp duty in South Australia?
It depends on the price and on who is buying. On an indicative 2026-27 schedule, an owner-occupier buying an established home at $700,000 in South Australia pays about $32,330. Duty rises faster than price, so the average rate increases as the property becomes more expensive. RevenueSA publishes the current schedule.
Do first home buyers pay stamp duty in South Australia?
South Australian relief applies to new homes only, with no price cap. Established homes attract full duty. First home buyer figures on this page assume eligibility, and conditions including residence requirements apply. The revenue office should be checked before a purchase is relied upon.
What is the 5% Deposit Scheme price cap in South Australia?
$900,000 in Adelaide and the defined regional centres, and $500,000 elsewhere. Both the purchase price and the lender's assessed value must be at or below the cap for the location.
Are home loan interest rates different in South Australia?
No. Australian lenders price home loans nationally, so the rate offered does not depend on the state. What differs by jurisdiction is the cost of the transaction: transfer duty, first home buyer concessions, grants and land tax. Those differences can amount to tens of thousands of dollars on the same purchase price.
Can I use a broker for a purchase in South Australia?
Yes. Australian credit licensing is national, so an accredited broker can arrange finance for a property anywhere in Australia. Conveyancing is the part that is state based, and a conveyancer or solicitor admitted in South Australia should handle the transaction itself.