South Australia first home buyer information

Estimate first home buyer costs and support in South Australia

Use the SA property costs calculator below to check government charges, stamp duty relief and potential grants. Eligibility depends on the property and your circumstances. A grant is shown separately and does not automatically reduce stamp duty.

Free to useNo account neededNo contact details neededSA rules verified 23 August 2026

About this calculator, sources and FAQs

South Australia first-home buyers

First-home buyer costs and support in South Australia

The calculator checks the supported first-home rules represented in its verified South Australian rule snapshot. Stamp duty relief, grants and ordinary government charges are kept separate so a potential benefit is not mistaken for a guaranteed reduction in every purchase cost.

Stamp duty relief

Supported first-home duty relief is included only when the required property and buyer facts are confirmed. Uncertain eligibility stays out of the calculated benefit rather than being assumed.

First Home Owner Grant

Where the verified rules support checking the grant, it is displayed as a separate potential benefit. It is not presented as though it directly changes the statutory stamp duty calculation.

Registration fees still matter

Transfer registration and any applicable mortgage registration are separate from stamp duty. A first-home benefit does not automatically remove every government charge involved in registering a purchase.

Official sources and related guides

Worked Adelaide examples

Same figures as this site’s SA calculator (rule snapshot verified 23 August 2026). For an established home, RevenueSA does not offer first-home stamp duty relief or the First Home Owner Grant — so confirming “first home” does not reduce these estimates. Sources: RevenueSA eligible properties, FHOG eligible properties. General information only.

$550,000 established home

First-home duty relief not available. FHOG not available. Stamp duty $24,080. Estimated government charges payable with mortgage registration $29,887.

$750,000 established home

First-home duty relief not available. FHOG not available. Stamp duty $35,080. Estimated government charges payable with mortgage registration $42,987.

$950,000 established home

First-home duty relief not available. FHOG not available. Stamp duty $46,080. Estimated government charges payable with mortgage registration $56,087.

Contrast: a qualifying new home at $750,000 with confirmed first-home eligibility in this calculator shows stamp duty relief of $35,080 and an FHOG of up to $15,000, with transfer and mortgage registration still payable ($7,703 + $204). Check RevenueSA for your facts before relying on any benefit.

First-home buyer questions

Which properties can get SA first-home stamp duty relief?

RevenueSA lists eligible property types such as a new home, an off-the-plan apartment, or vacant land to build a new home on. An established home is not eligible. See RevenueSA eligible properties.

Does selecting first-home buyer automatically apply every benefit?

No. The calculator asks for the supported eligibility facts it needs. A benefit is not added simply because a user describes the purchase as their first home.

Does the First Home Owner Grant reduce stamp duty?

No. The grant and stamp duty relief are separate. The calculator displays them separately. Grant details are published by RevenueSA First Home Owner Grant.

Is the First Home Owner Grant available on an established home?

No. RevenueSA states the grant is not available on the purchase of an established home. See FHOG eligible properties.

What about off-the-plan or new homes?

New homes and off-the-plan apartments may qualify for first-home duty relief and, where rules are met, the First Home Owner Grant. Applicant, residence and property rules still apply. Use the calculator’s confirmed-eligibility pathway and check RevenueSA rather than assuming support.

What if my property or circumstances do not fit the Quick Estimate?

The Quick Estimate is intentionally narrow. Material exceptions are sent to the Detailed Calculation or left for individual assessment rather than forcing an unsupported result.