SA Guide · FY 25/26
South Australia First Home Buyer Benefits
South Australia focuses on new-build incentives, pairing duty relief with a stronger FHOG for first-time buyers.
Max Stamp Duty Exemption
New builds
Full waiver available for eligible new homes.
Max FHOG Amount
$15,000
Paid on eligible new homes and builds.
Price Caps
New build focus
Duty waiver and FHOG apply to eligible new builds.
Detailed rules
Established homes
- Standard stamp duty rates apply.
- No FHOG is paid on established purchases.
- Compare with new builds to see the difference in savings.
New builds & vacant land
- Stamp duty waived for eligible first home buyers.
- $15,000 FHOG available for new homes or builds.
- Vacant land builds qualify when the build contract is included.
Real-World Scenarios
Scenario A — The Builders
John and Emma build a new home with a $750k budget.
- FHOG: $15,000 paid toward the build.
- Stamp duty: $0 (new-build waiver applied).
- Total impact: $15k cash plus full duty relief.
Scenario B — The Established Buyers
John and Emma buy an existing home for $650k.
- FHOG: $0 (established homes are not eligible).
- Stamp duty: $0 (full relief under this scenario).
- Total impact: duty-free purchase without a grant.
Unlock your SA savings
Open the calculator to confirm the duty waiver and FHOG for your build.
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