How much is transfer duty in South Africa in 2025?

Transfer duty in SA is 0% on properties up to R1,100,000. Above that, progressive rates apply: 3% up to R1,512,500; 6% up to R2,117,500; 8% up to R2,722,500; 11% up to R12,100,000; and 13% above R12,100,000. Companies and trusts pay a flat 8% with no exemption.

What are conveyancing fees in South Africa?

Conveyancing fees are set by Law Society tariff guidelines and vary by purchase price. On a R2.5 million property, expect approximately R20,000–R25,000 plus 15% VAT. Bond registration attorney fees are additional if you are taking out a bond.

Can transfer costs be included in my bond?

No. Transfer costs must be paid in cash and cannot be bonded. You need cash available for transfer costs on top of your deposit. Budget 8–12% of the property price for combined deposit and transfer costs.

Who pays transfer costs in South Africa?

In South Africa, the buyer pays all transfer costs including transfer duty, conveyancing fees, and bond registration costs. The seller typically pays the agent's commission and any bond cancellation costs on their existing bond.

Transfer Cost Calculator South Africa 2026

🕐 Last Updated: May 2026 · Prime Rate: 10.50%

Transfer Cost Calculator

Based on current SARS transfer duty brackets and Law Society conveyancing fee guidelines

Purchase Price

Buyer Type

Bond Amount (if applicable)

Leave 0 if buying cash

Property Type

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Total Transfer Costs

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Transfer Duty (SARS)

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Conveyancing Fees

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Bond Registration Costs

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% of Purchase Price

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Total Cash Needed

Full Cost Breakdown

Cost Item	Amount	Notes

⚠ Conveyancing fees are estimates based on Law Society tariff guidelines. Your attorney may charge differently. Always obtain a formal cost estimate before signing.

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How to Use This Calculator

Enter the purchase price of the property and select your buyer type (natural person or company/trust — companies pay a flat 8% transfer duty with no exemption). If you are taking a bond, enter the bond amount to include bond registration costs in the total.

The result shows transfer duty (SARS), conveyancing attorney fees, bond registration costs, and total cash you need upfront. Remember: transfer costs cannot be bonded — you need this cash on top of your deposit.

Planning a Buy-to-Let Purchase?

Once you know your transfer costs, calculate your rental yield to see if the numbers work.

Rental Yield Calculator →

South Africa Transfer Duty Rates 2025/2026

Property Value	Rate
R0 – R1,100,000	0% (exempt)
R1,100,001 – R1,512,500	3% on value above R1,100,000
R1,512,501 – R2,117,500	R12,375 + 6% on value above R1,512,500
R2,117,501 – R2,722,500	R48,675 + 8% on value above R2,117,500
R2,722,501 – R12,100,000	R97,075 + 11% on value above R2,722,500
R12,100,001 and above	R1,128,600 + 13% on value above R12,100,000

Note: Companies, close corporations, and trusts pay transfer duty at a flat rate of 8% on the full purchase price with no exemption threshold. First-time home buyers may qualify for additional relief — consult a conveyancer.

📖 Related Reading

→Transfer Costs Explained: What You Pay →Is Buy-to-Let Still Worth It in SA in 2026? →How to Calculate If a Property Makes Sense

Transfer Cost Calculator — South Africa 2025/2026