A$440,000 Stamp Duty & Mortgage Calculator in South Australia (Adelaide) (2026)
Purchasing a A$440,000 property in South Australia (Adelaide), Australia incurs A$19,800 in South Australia (SA) Transfer Stamp Duty (4.50%) plus A$2,400 in legal/registration fees. With a 20% deposit (A$88,000) and a 25-year home loan at 6.15%, your monthly repayment is A$2,300/month.
Monthly Repayment (25Y)
A$2,300/mo
Loan: A$352,000 @ 6.15%
Stamp Duty / BSD / DLD
A$19,800
4.50% Effective Duty
20% Deposit
A$88,000
+ Legal: A$2,400
Total Upfront Cash
A$110,200
Deposit + Stamp Duty + Legal
Itemized Stamp Duty & Mortgage Breakdown (South Australia (Adelaide))
| Property Purchase Price | A$440,000 |
| South Australia (SA) Transfer Stamp Duty | A$19,800 |
| Conveyancing, Legal & Title Registration | A$2,400 |
| Total Upfront Cash Required (20% Deposit + Duty) | A$110,200 |
| Monthly Principal & Interest (25Y @ 6.15%) | A$2,300 / month |
| Total Interest Payable Over Loan Term | A$338,098 |
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