Transfer Duty & Transfer Cost Calculator
Work out the transfer duty, conveyancing and bond costs you'll pay on top of the purchase price — using the current SARS brackets. No duty is payable up to R 1 210 000.
No transfer duty is payable on properties up to R 1 210 000. If the seller is VAT-registered (e.g. a developer), VAT is included in the price instead of transfer duty.
Total transfer costs (estimate)
R 63 824
Effective transfer duty rate: 1.21% of the price.
Current SARS transfer duty rates
These brackets apply to properties acquired on or after 1 April 2025 and were left unchanged in the 2026 Budget.
| Property value | Transfer duty |
|---|---|
| R 0 – R 1 210 000 | 0% |
| R 1 210 001 – R 1 663 800 | 3% of the value above R 1 210 000 |
| R 1 663 801 – R 2 329 300 | R 13 614 + 6% of the value above R 1 663 800 |
| R 2 329 301 – R 2 994 800 | R 53 544 + 8% of the value above R 2 329 300 |
| R 2 994 801 – R 13 310 000 | R 106 784 + 11% of the value above R 2 994 800 |
| R 13 310 001 and above | R 1 241 456 + 13% of the value above R 13 310 000 |
What else does a buyer pay?
Conveyancing (transfer) fees go to the attorney who registers the property in your name. They follow a guideline tariff linked to the price, plus VAT and disbursements. Deeds Office fees are a smaller registration fee. If you're buying with a home loan, you also pay a bond registration fee to the bank's attorney and a bank initiation fee, which the National Credit Act caps at R6,037.50.
Selling privately doesn't change any of this — buyers pay the same transfer costs whether or not there is an agent. Read the buyer's guide for the full buying process.
Frequently asked questions
Who pays transfer duty in South Africa?
The buyer. Transfer duty is a tax paid to SARS when property changes hands. Your conveyancer collects it from you and pays SARS before the transfer is lodged at the Deeds Office.
Is there transfer duty on a property under R 1 210 000?
No. Properties bought for R 1 210 000 or less are exempt from transfer duty. You still pay conveyancing and Deeds Office fees, and bond costs if you are financing.
When must transfer duty be paid?
Within six months of the date the sale was concluded — after that SARS charges interest. In practice it is paid much sooner, because the conveyancer needs SARS's transfer duty receipt before lodging the transfer.
Do I pay transfer duty if I buy from a developer?
Not if the seller is a VAT-registered vendor selling in the course of their business. The price then includes 15% VAT instead, and no transfer duty is payable.
Can I add transfer costs to my home loan?
Usually not — most banks expect transfer costs to be paid in cash. Some banks offer qualifying first-time buyers a loan above 100% of the price to help cover costs, so ask your bank or a bond originator.
Estimates only, based on rates checked in October 2026. Fees vary by conveyancer and bank — get a written quote from a registered conveyancer or your bank before you commit.
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