New homes and land only
First home buyer relief removes all stamp duty on a brand-new home, a home bought off the plan, or vacant land you'll build a new home on, with no price cap. There's no relief on established homes, so the choice between new and established makes a large difference in SA.
| Price | Full duty | First home, established | First home, new |
|---|---|---|---|
| $450,000 | $18,830 | $18,830 | Nil |
| $600,000 | $26,830 | $26,830 | Nil |
| $700,000 | $32,330 | $32,330 | Nil |
| $850,000 | $40,580 | $40,580 | Nil |
| $1,000,000 | $48,830 | $48,830 | Nil |
Full duty is what a buyer who'll live in the home pays without the first home concession. Contracts from 1 July 2026.
Who qualifies
You need to be buying your first home in Australia and live in it. RevenueSA sets out the full conditions, including when you must move in.
Grants and the 5% Deposit Scheme
Grant
$15,000
First Home Owner Grant, for brand-new homes at any price.
5% Deposit Scheme price cap
$900,000
Capital city and regional centres; $500,000 elsewhere. Buy with a 5% deposit and no lenders mortgage insurance.
Questions people ask
Do first home buyers pay stamp duty in SA?
Not on a brand-new home, an off-the-plan home or vacant land to build a new home on, at any price. On an established home, first home buyers pay full stamp duty.
Is there a price cap on SA first home buyer relief?
No. The relief covers eligible new homes and land at any value.
How much would a first home buyer save on a new $700,000 home in SA?
$32,330, the full duty on that price.
How much is the SA first home owner grant?
$15,000 for a brand-new home, with no price cap. It isn't paid on established homes.
Can I use the 5% Deposit Scheme in SA?
Yes, for homes up to $900,000 in Adelaide and regional centres, or $500,000 elsewhere in SA.