Transfer Duty Calculator 2026/27: How Much Will You Pay on a Home?
Prices and facts checked 16 October 2026. We don't accept payment for rankings.
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Short answer: in 2026/27, no transfer duty is payable on a property costing up to R1,210,000. Above that, the duty starts at 3% of the amount over R1,210,000 and rises in steps to 13%. A R2 million home attracts about R33,786 in transfer duty. The buyer pays it, usually through the conveyancer, within six months of buying (SARS transfer duty rates; SARS transfer duty).
General information, not legal or tax advice. Your conveyancer calculates the final duty and transfer costs. Special rules apply to some transactions, such as purchases through companies and trusts, or exemptions.
Transfer duty calculator
2026/27 transfer duty table
SARS says the table that applied from 1 April 2025 is unchanged for 2027, from 1 April 2026 (SARS). The same table appears in National Treasury's Budget 2026 tax guide.
| Property value | Transfer duty |
|---|---|
| R1 to R1,210,000 | 0% |
| R1,210,001 to R1,663,800 | 3% of the value above R1,210,000 |
| R1,663,801 to R2,329,300 | R13,614 + 6% of the value above R1,663,800 |
| R2,329,301 to R2,994,800 | R53,544 + 8% of the value above R2,329,300 |
| R2,994,801 to R13,310,000 | R106,784 + 11% of the value above R2,994,800 |
| R13,310,001 and above | R1,241,456 + 13% of the value above R13,310,000 |
Transfer duty at common prices
Calculated with the table above:
| Purchase price | Transfer duty |
|---|---|
| R1,000,000 | R0 |
| R1,500,000 | R8,700 |
| R2,000,000 | R33,786 |
| R2,500,000 | R67,200 |
| R3,000,000 | R107,356 |
| R5,000,000 | R327,356 |
Who pays, and when
According to SARS:
- The buyer pays transfer duty on the property they acquire.
- It's due within six months of the date of acquisition. For a sale with conditions, the six months run from when the last party signed the agreement. Late payment attracts interest of 10% a year for each completed month.
- It's paid electronically through eFiling, normally by the conveyancer on your behalf, before transfer can be registered.
Transfer duty or VAT, not both
A property sale attracts either VAT or transfer duty. If the seller is a VAT vendor selling in the course of their business, for example a developer selling a new unit, VAT is included in the price and no transfer duty is payable (SARS). Check the offer to purchase. It should say whether the price includes VAT.
The full cost of buying a home
Transfer duty is only part of what you'll pay upfront. Budget for:
- Transfer costs: the conveyancer's fees for registering transfer, plus Deeds Office fees
- Bond registration costs: if you're taking a home loan, a separate attorney registers the bond
- Deposit: banks may lend less than 100% of the price
- Monthly repayments: at a prime rate of 10.75%, a R1.8 million bond over 20 years costs about R18,300 a month. Try our bond repayment calculator.
The Reserve Bank raised the repo rate to 7.25% in September 2026 (Moneyweb; SAnews), so get pre-approval before you make an offer.
FAQ
How much is transfer duty on a R1.5 million house?
R8,700: 3% of the R290,000 above R1,210,000.
Is there transfer duty on properties under R1.2 million?
No. Properties up to R1,210,000 are exempt from transfer duty in 2026/27.
Who pays transfer duty, the buyer or the seller?
The buyer.
Do I pay transfer duty on a new development?
Usually not, if the developer is a VAT vendor. VAT is then included in the price instead.
Did transfer duty change in the 2026 Budget?
No. SARS shows no change to the table for 2026/27. It's the same table that applied from 1 April 2025.
Sources
Pages we used for this article, checked on or before the update date above.
- SARS transfer duty rates · sars.gov.za
- SARS transfer duty · sars.gov.za
- National Treasury's Budget 2026 tax guide · treasury.gov.za
- Moneyweb · moneyweb.co.za
- SAnews · sanews.gov.za
Changelog: 16 Oct 2026, first published. The table hasn't changed since 1 April 2025.