Property

Transfer Cost Calculator South Africa 2026

✓ Updated with 2026 rates•✓ Free & no sign-up•✓ Instant results

Property transfer costs

Live estimate · 2026 SARS transfer duty · South Africa

Property purchase price

First-time buyer (transfer duty exempt up to R1M)Buying with a home loan / bondHome loan amount

Bond costs are added on top of transfer costs

Total transfer & bond costs

R118 850

5.9% of the property price

Property price

R2 000 000

Transfer duty (2.5%)

R50 250

Deposit (price − loan)

R400 000

Total cash needed

R518 850

Buying a R2 000 000 property costs about R50 250 in transfer duty and around R118 850 in total transfer and bond costs — roughly 5.9% of the price. Including your deposit, budget about R518 850 in cash.

Full cost breakdown

Government & Deeds Office

Transfer duty (2.5%)R50 250
Deeds office feesR500
Bond registrationR1 600
Government totalR52 350

Attorney & conveyancing

Transfer attorney feesR20 000
Bond attorney feesR24 000
Bond origination feeR9 600
VAT on attorney fees (15%)R6 600
Attorney totalR50 600

Compliance & sundries

Electrical certificateR500
Pest inspectionR800
FICA complianceR300
Property valuationR3 500
Postage & pettiesR1 200

SA transfer duty brackets (2026)

Property value	Rate on the portion in this band
Up to R1,000,000	No transfer duty
R1,000,001 – R1,375,000	3%
R1,375,001 – R1,925,000	6%
R1,925,001 – R2,475,000	8%
R2,475,001 – R11,000,000	11%
Above R11,000,000	13%

Transfer duty is paid by the buyer to SARS. Attorney and bond fees vary between conveyancers — always get multiple quotes. This is an independent estimate, not a formal quotation.

Transfer Duty Rates South Africa 2026

How much is transfer duty on a house in South Africa? Use our calculator to see the exact transfer duty, conveyancing fees and total costs when buying property in 2026.

🆓

No Transfer Duty

Properties up to R1,000,000

💰

3% Transfer Duty

R1,000,001 - R1,375,000

📈

6% Transfer Duty

R1,375,001 - R1,925,000

🔥

8%+ Transfer Duty

Properties above R1,925,000

What Are the Costs When Buying a House in SA?

Transfer Duty0% - 13%

Transfer Attorney Fees~1%

Bond Attorney Fees~1.5%

Bond Registration0.1%

Deeds Office Fees~R500

Total Estimated2-16%

💡

Money-Saving Tips

• First-time buyers under R1M: No transfer duty
• Shop around for attorney quotes
• Budget 8-12% of property value for all costs
• Consider negotiating transfer costs with seller

Frequently asked questions

Quick answers to the most common questions.

What are transfer costs when buying a house in South Africa?

Transfer costs include transfer duty (paid to SARS), conveyancing attorney fees, and Deeds Office registration fees. They are separate from your bond (home loan) registration costs and are paid by the buyer.

How much is transfer duty in South Africa in 2026?

Transfer duty is charged on a sliding scale. Properties under R1.1 million are exempt; above that, duty rises in brackets up to 13% on the portion over the top threshold. This calculator applies the current SARS table.

Who pays transfer costs — the buyer or the seller?

The buyer pays transfer duty and the transferring attorney’s fees. The seller pays the estate agent’s commission and any amount needed to cancel their existing bond.

Are transfer costs and bond costs the same thing?

No. Transfer costs move ownership into your name (transfer duty + transfer attorney). Bond costs register your home loan with the bank (bond attorney + Deeds Office). If you pay cash you avoid bond costs entirely.