SA · 2026–27
What a South Australia purchase costs upfront and each week
Enter a price and a deposit. This page works out the transfer duty, the registration fees, the cash you need at settlement, and what the property costs you every week — using SA's published rates for contract dates 1 July 2026 to 30 June 2027. Each headline figure below opens its full working, down to the published rate it came from.
Cost assumptions — all editable
Cost figures start from conservative benchmarks, not from quotes for this property. Every one is editable — replace them with your own numbers. Where these starting figures come from.
What it costs
Downloads a file holding these inputs and your edited assumptions, for the campaign workspace. Nothing is uploaded.
Comparing several properties?
This page prices one property at a time. Our iPhone and iPad app keeps your whole shortlist under identical assumptions for the length of your hunt.
App Store launch pending.
How transfer duty is worked out in South Australia
Duty is charged on a sliding scale. A property value falls into a band, and the duty is a fixed amount for that band plus a rate on the amount above the band's floor. Duty is charged per $100 of value or part thereof, and cents are retained in the result.
| Property value | Fixed amount | Then |
|---|---|---|
| Over $0, up to $12,000 | $0 | $1.00 per $100 or part thereof above $0 |
| Over $12,000, up to $30,000 | $120 | $2.00 per $100 or part thereof above $12,000 |
| Over $30,000, up to $50,000 | $480 | $3.00 per $100 or part thereof above $30,000 |
| Over $50,000, up to $100,000 | $1,080 | $3.50 per $100 or part thereof above $50,000 |
| Over $100,000, up to $200,000 | $2,830 | $4.00 per $100 or part thereof above $100,000 |
| Over $200,000, up to $250,000 | $6,830 | $4.25 per $100 or part thereof above $200,000 |
| Over $250,000, up to $300,000 | $8,955 | $4.75 per $100 or part thereof above $250,000 |
| Over $300,000, up to $500,000 | $11,330 | $5.00 per $100 or part thereof above $300,000 |
| Over $500,000 | $21,330 | $5.50 per $100 or part thereof above $500,000 |
Duty concessions recorded for South Australia
First home buyer concession — new home
No duty is charged, with no upper value limit.
Conditions recorded in the rate data: first-home buyers; buyers who will live in the property; new builds only. These are the conditions carried in the rate data. The revenue office sets further conditions — residency, prior ownership, how long you must live in the property, and in some cases income — which this page does not evaluate.
Registration fees
Registration fees are separate from duty. Both are included in the upfront figure above.
| Fee | Amount | Charged on |
|---|---|---|
| Transfer registration | see the scale below | the purchase price |
| Mortgage registration | $204 | a flat amount |
| Property value | Fixed amount | Then |
|---|---|---|
| Over $0, up to $5,000 | $204 | no fee on the amount above |
| Over $5,000, up to $20,000 | $228 | no fee on the amount above |
| Over $20,000, up to $40,000 | $251 | no fee on the amount above |
| Over $40,000, up to $50,000 | $353 | no fee on the amount above |
| Over $50,000 | $353 | $1.05 per $100 above $50,000 |
Land tax on a single holding
Land tax is charged on the unimproved land value rather than the purchase price. A home you live in is generally exempt, so this page applies land tax only when you tell it the property is being rented out; other holdings, including vacant land, can be taxable on rules this page does not model.
| Land value | Fixed amount | Then |
|---|---|---|
| Over $0, up to $936,000 | $0 | no land tax on the amount above |
| Over $936,000, up to $1,504,000 | $0 | $0.50 per $100 above $936,000 |
| Over $1,504,000, up to $2,188,000 | $2,840 | $1.00 per $100 above $1,504,000 |
| Over $2,188,000, up to $3,504,000 | $9,680 | $2.00 per $100 above $2,188,000 |
| Over $3,504,000 | $36,000 | $2.40 per $100 above $3,504,000 |
Questions about South Australia property costs
How is transfer duty calculated in South Australia?
Transfer duty in South Australia is charged on a sliding scale. The property value falls into a band, and the duty is a fixed amount for that band plus a rate on the amount above the band's floor. Duty is charged per $100 of value or part thereof, and cents are retained in the result. The full 2026–27 scale is in the table above.
Do first-home buyers pay transfer duty in South Australia?
SA records a first-home concession in its 2026–27 rate data. Its conditions and thresholds are listed in the concessions section above.
What is the highest duty band in South Australia?
The top band of the SA 2026–27 scale begins at $500,000. Above that value the same rate applies to every additional dollar, so duty rises in a straight line rather than stepping again.
What are the registration fees in South Australia?
Registration fees are separate from duty. SA charges a transfer-registration fee and, where there is a loan, a mortgage-registration fee. Both are set out above — as an amount where the fee is flat, and as a scale where it varies with value — and both are included in the upfront figure this page calculates.
When does land tax apply in South Australia?
Land tax is charged on the unimproved land value, not the purchase price, and only above a threshold. In SA the first band that carries a charge begins at $936,000 for a single holding. This page applies land tax only when you tell it the property is being rented out.
When does mortgage insurance apply?
Lenders generally require mortgage insurance when the loan is more than 80% of the property value — that is, when the deposit is under 20%. At exactly 80% no premium applies. Premiums are set by insurers and lenders and are not published, so the figure here is the midpoint of an indicative published range, not a quote; your lender's premium will differ. How that estimate is built is set out on the mortgage insurance methodology page.
What does the weekly figure include?
Loan repayments, council rates, water, insurance, strata levies where you enter them, and a maintenance allowance. For a rental it also includes management fees, a vacancy allowance and land tax where it applies. Every one of those figures starts from a published benchmark, is editable, and opens its own working.
How current are these South Australia rates?
These are the 2026–27 tables. The SA rate component was last verified on 6 July 2026; each source and the date it was individually checked are listed on the sources page. Contract dates outside the 2026–27 range are not calculated: the page says so rather than applying the wrong year's rates.
How this page works
Behind these pages is a deal-analysis app for Australian property buyers. It keeps a shortlist of properties side by side under identical assumptions, for the length of a purchase campaign. Your shortlist, under identical assumptions.
The numbers you enter never leave your browser — all calculation happens on this page; your figures are never sent to us or anyone else. Like any website, our host records standard aggregate request logs (IP address, pages requested) to serve the page.
SA 2026-27 rates data verified on 6 July 2026. Every source is listed on the sources page.
Lenders Mortgage Insurance is shown as an indicative band, not a quote. Insurers publish estimator tables rather than their actual premiums, so the figure here is a midpoint of a published range and your lender's premium will differ. How the mortgage insurance estimate is built.
Investor figures here are before tax. Negative gearing and depreciation change the after-tax position and are modelled in the app, not on this page.