First home buyer guide
First Home Buyer Guide SA 2025-26
Complete first home buyer guide for South Australia. Stamp duty concessions, First Home Owner Grant, FHSS eligibility, and savings calculator for SA in 2025-26.
Stamp duty concessions FHOG + FHSS
What first home buyers get in SA
→ No stamp duty exemption or concession for first home buyers (full duty applies)
→ $15,000 First Home Owner Grant for new homes (no property value cap — cap removed February 2025)
→ Land buyers can access the grant if building a new home
→ No stamp duty on off-the-plan apartments valued up to certain thresholds (separate concession)
→ FHSS scheme available to boost your deposit savings through super
Stamp duty — first home buyer vs standard
See how much you could save on stamp duty as a first home buyer in South Australia.
| Property price | Standard duty | FHB duty | You save |
|---|---|---|---|
| $400k | $16,330.00 | $16,330.00 | — |
| $500k | $21,330.00 | $21,330.00 | — |
| $600k | $26,830.00 | $26,830.00 | — |
| $700k | $32,330.00 | $32,330.00 | — |
| $800k | $37,830.00 | $37,830.00 | — |
| $900k | $43,330.00 | $43,330.00 | — |
| $1M | $48,830.00 | $48,830.00 | — |
Related tools
FAQ
Why doesn't South Australia offer stamp duty exemptions for first home buyers?
South Australia is one of the few states that does not provide a specific first home buyer stamp duty exemption or concession. Instead, the state focuses its support through the $15,000 First Home Owner Grant for new homes. All buyers, including first home buyers, pay the standard stamp duty rates.
Is there a property value cap on the SA First Home Owner Grant?
As of February 2025, RevenueSA removed the previous $650,000 property value cap on the FHOG. The $15,000 grant is now available for eligible new home purchases at any value, provided all other eligibility criteria are met.
Are there any other concessions available in South Australia for buyers?
While there is no FHB-specific stamp duty concession, South Australia offers an off-the-plan concession that can reduce stamp duty for apartment purchases. Additionally, the federal First Home Super Saver Scheme (FHSS) and First Home Guarantee are available to SA buyers.