Stamp Duty Calculator — Victoria
Calculate exactly what you'll pay in transfer duty when buying property in Victoria. Live 2025–26 rates, first home concessions, and foreign buyer surcharges all included.
$
Enter the contract price (no GST adjustments needed for residential).
Estimated stamp duty payableVictoria
$11,357
Breakdown
- Base transfer duty: $34070
- First Home Buyer concession ($600k–$750k): −$22713
- Total payable: $11,357
Notes for Victoria
- Concessional rate for first home buyers between $600,000 and $750,000.
Estimate only. Final amount depends on contract date, exact concession eligibility, and revenue office assessment. See State Revenue Office Victoria for the official calculator. Not financial advice.
Worked examples — Victoria stamp duty at common price points
Below are sample calculations for typical Victoria property purchases. Adjust the calculator above for your exact price.
| Price | First home buyer | Owner-occupier | Investor |
|---|---|---|---|
| $400,000 | $0 | $19,070 | $19,070 |
| $600,000 | $0 | $31,070 | $31,070 |
| $800,000 | $43,070 | $43,070 | $43,070 |
| $1,000,000 | $55,000 | $55,000 | $55,000 |
| $1,500,000 | $82,500 | $82,500 | $82,500 |
Where to verify these figures
For the official government calculator and the latest concession rules, see State Revenue Office Victoria. They publish the authoritative rates and any mid-year changes.
What else to budget for in Victoria
Stamp duty is the biggest one-off cost, but not the only one. Most Victoria buyers should also budget for:
- Conveyancing fees: $1,500–$3,000 — solicitor or conveyancer to handle settlement
- Building & pest inspection: $400–$700 — essential for established homes
- Loan establishment fees: $0–$700 depending on lender
- Lenders Mortgage Insurance (LMI): if your deposit is under 20%
- Title transfer & registration fees: $200–$300 (paid to State Revenue Office Victoria)
For most Victoria buyers, total upfront costs (excluding deposit) sit around 5–8% of the purchase price.
Victoria stamp duty FAQs
What is the off-the-plan concession in Victoria?
The off-the-plan duty concession reduces stamp duty on apartment, unit, or townhouse purchases that you contract before construction is complete. The concession is calculated based on the value of the land at the time of contract (excluding construction costs added later).
This can save tens of thousands of dollars on apartment purchases. The 2024 reforms expanded eligibility — speak with your conveyancer to check your specific situation.
How much is stamp duty on a $700,000 home in Victoria?
For a non-first-home-buyer: approximately $37,070. For a first home buyer: $0 if eligible (full exemption applies up to $600,000, with a sliding concession to $750,000).
Does Victoria have a foreign buyer surcharge?
Yes. Victoria charges an additional 8% Foreign Purchaser Additional Duty on top of standard stamp duty for non-resident purchasers of residential property. Combined with the standard rate, foreign buyers can pay 13–15% of the purchase price in duty.
What is stamp duty in Australia?
Stamp duty (also called transfer duty or conveyance duty) is a one-off tax you pay to your state or territory government when you buy property. It's calculated as a percentage of the purchase price, with rates and thresholds set by each state — there is no federal stamp duty.
For most homebuyers, stamp duty is the largest upfront cost after the deposit, often $20,000–$50,000+ for a typical home.
Do first home buyers pay stamp duty?
It depends on your state and the property price. Most states have full or partial exemptions for first home buyers up to a price cap:
- NSW: No duty up to $800,000 (sliding to $1,000,000)
- VIC: No duty up to $600,000 (sliding to $750,000)
- QLD: No duty up to $700,000 (sliding to $800,000) since May 2024
- SA: No duty for new homes (no price cap, since June 2024)
- WA: No duty up to $450,000 (sliding to $600,000)
Use the calculator above with "First home buyer" selected to see your exact amount.
When do you pay stamp duty?
Stamp duty is typically due within 30 to 90 days of contract signing or settlement, depending on the state. Most buyers pay it at settlement through their conveyancer or solicitor, who handles it as part of the property transfer.
You can't roll stamp duty into your home loan as such — it must be paid in cash or from your savings — but some lenders allow you to borrow the equivalent against equity if you have it.
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