How does first home buyer stamp duty relief work in SA?

South Australia provides first home buyer stamp duty relief by price band. Use RevenueSA guidance and the Land Services property transfer fee calculator for your scenario — published summaries on this site are illustrative only.

Does South Australia offer a First Home Owner Grant?

SA offers a First Home Owner Grant for eligible new homes under published thresholds. Verify amount and caps on the RevenueSA first home owner grant page.

What are the SA First Home Guarantee (5%) price caps?

Published FHBG caps used on this hub: Adelaide metro $900,000; Other SA $500,000. Confirm live caps on Housing Australia / firsthomebuyers.gov.au.

Is this personal credit advice?

No. This page is general information only. Credit assistance tailored to you happens after a proper conversation and assessment. Scheme eligibility is decided by the relevant government body and lender policy.

First home buyer · SA

First home buyer guide for South Australia

Map deposit, South Australian stamp duty relief, grants, and the federal 5% deposit scheme — then confirm every number on RevenueSA and Housing Australia before you exchange.

Speak with a broker FHB calculator hub Call 0400 77 77 55

SA quick reference

Illustrative cheat sheet only — verify on official calculators before exchange.

FHB stamp duty relief: By price band; RevenueSA / Land Services calc
FHOG (new homes): Up to $15,000; Verify RevenueSA thresholds
FHBG cap — Adelaide: $900,000; Metro
FHBG cap — other SA: $500,000; Regional & other areas
Typical purchase costs: ~$12k – $18k; Excl. duty & LMI
Cooling-off (private sale): 2 business days; Check contract
Pre-approval validity: ~90 days; Reconfirm before offer
Genuine savings: ~5% · 3+ months; Lender policy varies

Who this helps

Buyers checking SA stamp duty relief by price band
Households testing FHBG 5% against Adelaide metro vs regional caps
Purchasers modelling funds to complete beyond the deposit
SA buyers who prefer remote broker support Australia-wide

How we work the file

Step 1
Confirm state + federal rules
Check duty and grant pages for your state, then FHBG caps on firsthomebuyers.gov.au for your property area.
Step 2
Model funds to complete
Deposit, duty, grants, LMI (if any), and settlement buffers in one ledger — estimates only until your scenario is assessed.
Step 3
Prepare the lending file
Income evidence, genuine savings story, and lender shortlist. You decide whether to apply.

Responsible lending applies. We do not guarantee approval, grants, stamp duty outcomes, or scheme eligibility.

Official SA links

Common questions

Related hubs

Important information

The information on this website is general in nature only. It does not take into account your objectives, financial situation, or needs, and you should consider whether it is appropriate for you before acting on it.

Credit assistance and lending are subject to lender assessment, terms, conditions, fees, charges, and eligibility criteria. A loan product that suits one borrower may not suit another.

You should consider obtaining independent legal, financial, and taxation advice before making decisions about credit or property.

Ready to map a SA first-home pathway?

Bishnu Adhikari — call 0400 77 77 55 or send an enquiry. General information only.

Speak with a broker Start your application WhatsApp message

Prefer the phone? 0400 77 77 55 — direct line to Bishnu Adhikari.