What will stamp duty actually cost you in Victoria - and which concession you may qualify for. Current State Revenue Office rates, worked out in seconds, no sign-up needed.
Want this breakdown in your inbox? I'll email you the duty figure, the concession applied, and what it means for your deposit and borrowing.
This calculator provides estimates only, based on the figures and assumptions you enter (Victorian land transfer duty, a single purchaser buying an existing dwelling or land, no adjustment for off-the-plan construction value, and excluding the 8% foreign purchaser additional duty and any registration or mortgage fees). First home and owner-occupier concessions assume you meet all eligibility conditions and move in as required. It is not an offer of credit, a quote, or financial advice, and doesn't account for your full circumstances or all fees and charges. Lending criteria, fees and rates vary by lender and change over time. Talk to us for an assessment based on your situation.
Stamp duty - officially land transfer duty - is the tax you pay the Victorian Government when you buy property. It is one of the biggest upfront costs of a purchase, and unlike your deposit, it doesn't build any equity. So it's worth knowing the number early, before you fall for a place at the top of your budget.
The duty is worked out on the dutiable value: your purchase price, or the market value, whichever is higher. Victoria uses a sliding scale, so the rate climbs with the price. The good news is that several groups pay less - or nothing.
If you're buying your first home to live in and the dutiable value is $600,000 or less, you pay no duty at all. Between $600,001 and $750,000 you may get a concession on a sliding scale - the closer to $600,000, the bigger the break. Above $750,000 there's no first home duty relief in Victoria, though other levers may still help. The home can be new or established, and you need to move in and live there for 12 continuous months within a year of settlement.
Buying a home to live in (but not your first)? The principal place of residence concession trims the duty for homes valued between $130,000 and $550,000. Eligible pensioners and concession cardholders may get a one-off exemption up to $330,000, or a concession from $330,001 to $750,000, on a home they'll live in.
Investors pay the standard rate with no concession - the number is the number. Foreign buyers pay an extra 8% foreign purchaser additional duty on top (in place since 1 July 2019), which this calculator doesn't include. And if you're buying off the plan, a temporary concession running until 20 October 2026 lets you deduct construction still to come from the dutiable value, so your duty may be lower than the standard figure shown here.
These rules were checked against the State Revenue Office of Victoria on 7 July 2026. Rates and thresholds change at state budgets, so I re-verify this page every six months and after each Victorian budget. If you're reading this well after that date, use it as a guide and confirm your exact figure with me or the SRO.
Deposit, borrowing power, grants, lender fees - they all move together. I'll map the full picture with you over a coffee or a call, and tell you straight where you stand. Obligation-free, and no fee charged to you.
Book a Chat With Michael