How much is stamp duty on a $450,000 property in South Australia?

Transfer duty is $18,830 at the SA general rate for a $450,000 property, calculated from the RevenueSA schedule. First home buyers pay the same standard duty at this price.

Is stamp duty paid on top of the purchase price?

Yes. The $18,830 duty is separate from the $450,000 price and is normally paid at settlement. On a 20% deposit of $90,000, budget for the duty as an additional upfront cost.

What deposit and loan do I need for a $450,000 home?

A 20% deposit is $90,000, leaving a $360,000 loan (about $2,158.38 a month at 6% over 30 years, no LMI). With a 10% deposit of $45,000 the loan is $405,000 and indicative LMI is around $5,994.

Do foreign buyers pay extra duty in South Australia?

Foreign purchasers usually pay an additional surcharge on top of transfer duty. It is charged separately from the $18,830 owner-occupier figure — confirm the current surcharge rate with RevenueSA.

Stamp duty on a $450,000 house in SA

South Australia · transfer duty

$18,830

Transfer duty on a $450,000 property in South Australia at the standard rate. Verified 17 July 2026, source: RevenueSA.

First home buyer: $18,830

A $450,000 value falls in the $300,001 to $500,000 band, where duty is $11,330 + $5.00 per $100 over $300,000 — $18,830 in total.

Stamp duty calculator

Property price

I'll live in it (owner-occupier)First home buyerForeign purchaser

$18,830 transfer duty

Standard (general) duty: $18,830

SA figures from RevenueSA. Estimate only — your conveyancer and the revenue office confirm the exact duty. Full breakdown for $450,000 in SA →

What a first home buyer or owner-occupier pays

$18,830Standard / investor rate

$18,830First home buyer

The first-home relief applies to new builds only; buyers of established homes pay the standard rate. First home buyer duty in SA →

Deposit, loan and repayments at $450,000

Deposit	Deposit amount	Loan	Approx. monthly	Indicative LMI
20% (no LMI)	$90,000	$360,000	$2,158.38	$0
10%	$45,000	$405,000	$2,428.18	$5,994

Repayments assume 6% p.a. over 30 years; LMI is an indicative estimate. Adjust the rate and term →

The same price in other states

State	Duty on $450,000
South Australia	$18,830
New South Wales	$14,437	view
Victoria	$22,070	view
Queensland	$14,175	view

Compare all eight states side by side →

SA transfer duty schedule

South Australia conveyance duty. The band for $450,000 is highlighted.
Dutiable value	Duty payable
Up to $12,000	$1.00 per $100
$12,001 to $30,000	$120 + $2.00 per $100 over $12,000
$30,001 to $50,000	$480 + $3.00 per $100 over $30,000
$50,001 to $100,000	$1,080 + $3.50 per $100 over $50,000
$100,001 to $200,000	$2,830 + $4.00 per $100 over $100,000
$200,001 to $250,000	$6,830 + $4.25 per $100 over $200,000
$250,001 to $300,000	$8,955 + $4.75 per $100 over $250,000
$300,001 to $500,000	$11,330 + $5.00 per $100 over $300,000
Over $500,000	$21,330 + $5.50 per $100 over $500,000

Nearby prices in SA

Common questions

How much is stamp duty on a $450,000 property in South Australia?: Transfer duty is $18,830 at the SA general rate for a $450,000 property, calculated from the RevenueSA schedule. First home buyers pay the same standard duty at this price.
Is stamp duty paid on top of the purchase price?: Yes. The $18,830 duty is separate from the $450,000 price and is normally paid at settlement. On a 20% deposit of $90,000, budget for the duty as an additional upfront cost.
What deposit and loan do I need for a $450,000 home?: A 20% deposit is $90,000, leaving a $360,000 loan (about $2,158.38 a month at 6% over 30 years, no LMI). With a 10% deposit of $45,000 the loan is $405,000 and indicative LMI is around $5,994.
Do foreign buyers pay extra duty in South Australia?: Foreign purchasers usually pay an additional surcharge on top of transfer duty. It is charged separately from the $18,830 owner-occupier figure — confirm the current surcharge rate with RevenueSA.