Stamp Duty First Home Buyer Sa Adelaide

RevenueSA scheme, Adelaide context

SA Stamp Duty for First Home Buyers: The Adelaide Explainer

South Australia offers stamp duty concessions for eligible first home buyers of a new home. Current thresholds and any full-exemption caps are set by RevenueSA and change over time. Always confirm the current position on the RevenueSA page before you rely on any figure.

Key facts

Facts with sources

Every item below is drawn from a primary source cited beside it. If the scheme or rule changes after this review date, the primary source is the version of truth.

Who administers

RevenueSA

Source: RevenueSA

RevenueSA is the SA Government body that administers stamp duty, first home buyer relief, and the FHOG.

Property type covered

New homes and vacant land (with build contract)

Source: RevenueSA

SA first home buyer stamp duty relief applies to eligible new homes (never previously occupied or sold as a residence) and to vacant land where the buyer is building a new home. Established homes are treated differently.

Contract structure matters

Land contract + build contract vs single purchase

Source: RevenueSA / SA conveyancing practice

How the stamp duty is calculated on a house-and-land purchase depends on whether the land and the build are separate contracts. If land and build are separate, duty is generally paid on land only. If bundled as a single purchase price, duty may apply to the full amount.

Prior ownership rule

Aligned with the FHOG (from 13 Feb 2025)

Source: RevenueSA

Similar to the FHOG, for contracts from 13 February 2025, neither applicant nor their spouse/domestic partner may have ever owned an Australian residential property to qualify for the first-home stamp duty concession.

Live-in requirement

6 continuous months, starting within 12 months

Source: RevenueSA

You must live in the home as your principal place of residence for at least 6 continuous months within 12 months of completion.

Eligibility

Who qualifies

1

Eligible first home buyer

All applicants must meet the RevenueSA first home buyer test (no prior residential property ownership, per the current rule).

2

Eligible property type

The purchase must be an eligible new home or vacant land where you are building a new home.

3

Australian citizen or permanent resident

At least one applicant must be an Australian citizen or permanent resident.

4

Principal place of residence

The home must be your principal place of residence for at least 6 continuous months within 12 months of completion.

5

Current RevenueSA rules on the day of contract

Because stamp duty rules change, your eligibility is assessed against the RevenueSA rules in force on the day you enter the contract.

How this works with a new build

Practical interactions

Scenario

Stacking with the SA FHOG

The FHOG and stamp duty relief are separate. Many eligible SA first home buyers claim both on the same purchase. Each has its own application through RevenueSA.

Scenario

Stacking with the federal First Home Guarantee

The federal FHG is a loan-side scheme (deposit / no LMI). It does not interact with your stamp duty bill; both can apply to the same purchase if you meet the separate eligibility for each.

Scenario

House-and-land package contract structure

If land and build are on separate contracts, stamp duty may only apply to the land component. If bundled into one purchase price, duty may apply to the full amount. This has real dollar consequences. Have a SA-licensed conveyancer review the contract structure before you sign.

Scenario

Knockdown rebuild on land you already own

Because you already own the land, there is no land purchase and no stamp duty on that step. The build contract itself is not subject to stamp duty. But whether the FHOG applies to the rebuild is a separate question you must confirm with RevenueSA.

Frequently asked

Common questions

Next step

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Trusted sources

Trusted sources

Every fact on this page is drawn from the primary sources below. Verify current details on the primary source before you rely on them.

Important: General information only. BuildPilot is not a lender, mortgage broker, financial adviser, or government agency. Rules, eligibility, and thresholds change over time; always verify current details on the primary sources cited above and engage a licensed adviser (mortgage broker, conveyancer, accountant) before signing anything.

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