VIC Stamp Duty Calculator
Estimate Victoria transfer duty, first-home buyer concessions, and total purchase costs before making an offer in VIC.
How transfer duty works in Victoria
Victoria transfer duty depends on property value, buyer type, and whether you qualify for a first-home-buyer concession. The same property price can therefore produce a very different upfront cash requirement in VIC than in NSW, QLD, or WA.
Who this VIC page is for
Use this page if you are buying in Victoria and want a VIC-specific duty estimate for owner-occupier, first-home-buyer, investor, or foreign-buyer scenarios before you set your offer range.
π State Stamp Duty Comparison β $800,000
π Stamp Duty Key Points
- β’ Stamp duty varies significantly by state β differences can be tens of thousands
- β’ First home buyers may get concessions or exemptions
- β’ Foreign buyers pay additional surcharges
- β’ Off-the-plan purchases may be taxed on land value only
- β’ ACT is phasing out stamp duty in favor of annual fees
- β’ Stamp duty is due at settlement in a lump sum
π First Home Owner Grants by State
Key Australian takeaways
- Transfer duty is set by each state or territory, not by one national schedule.
- First-home-buyer concessions, foreign-buyer surcharges, and registration costs can materially change settlement cash.
- NSW, VIC, and QLD often drive the largest search demand, but WA, SA, ACT, TAS, and NT still need state-specific checking before exchange.
Victoria-focused state comparison
VIC should be the baseline if you are buying in Victoria, but it still helps to compare with NSW, QLD, and WA to see how transfer duty and concessions shift across states.
VIC
Victoria transfer duty is the core estimate on this page and should be used for your working cash-to-complete budget.
Stay on VIC pageNSW
NSW has different first-home-buyer thresholds and transfer-duty rates, so cross-state comparisons can materially change affordability planning.
Compare NSWQLD
Queensland also uses different transfer-duty settings, so QLD is a strong benchmark when comparing eastern-state costs.
Compare QLDWA
Western Australia has its own duty scale and first-home-buyer settings, which can produce materially different total cash outcomes.
Compare WAVictoria first-home-buyer concessions
Victoria concession settings are specific to VIC and can change by property value and buyer status. Treat both the transfer-duty concession and any first-home-owner support as separate checks when building your purchase budget.
Owner-occupier vs investor vs foreign buyer in VIC
Owner-occupiers, investors, and foreign buyers can face different duty outcomes in Victoria because concession access and surcharge exposure are not the same across buyer types.
Victoria example
Example only: on an $800,000 VIC purchase, a first-home buyer may see a materially lower transfer-duty bill than an investor, while a foreign buyer may face the base duty plus an extra surcharge layer.
Next Victoria planning steps
After checking VIC transfer duty, move on to deposit, upfront costs, and broker guidance so your Victoria buying budget is built on full cash requirements.
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VIC Stamp Duty Calculator (2026)
Last updated: March 13, 2026
This Victoria stamp duty calculator estimates VIC transfer duty for owner-occupiers, first-home buyers, investors, and foreign buyers so you can model full purchase costs in VIC.
How to use this Victoria page
- Set the property price and keep the state on VIC for a Victoria-specific estimate.
- Switch buyer type to compare owner-occupier, first-home buyer, investor, and foreign-buyer duty outcomes in VIC.
- Use the result to compare transfer duty, concessions, and full purchase budget before you buy in Victoria.
Victoria references
- Victoria Revenue Office transfer duty schedules and concession guidance
- Victoria first-home buyer concession and grant references
To see how Victoria transfer duty changes the rest of your settlement cash, pair this page with the Home Loan Deposit Calculator.
VIC stamp duty FAQ
How is VIC stamp duty calculated?
Victoria transfer duty is calculated using the property value, the buyer profile, and the applicable concession or surcharge settings in VIC.
Do first home buyers get a VIC stamp duty concession?
Eligible first-home buyers may receive Victoria concession relief, but the value thresholds and eligibility rules need to be checked against current VIC guidance.
Is VIC transfer duty different from NSW, QLD, and WA?
Yes. Victoria has its own transfer-duty schedule and concession settings, so the same property price can produce a different result from other states.
Do foreign buyers pay extra duty in Victoria?
Foreign buyers can face additional duty exposure in Victoria, which should be treated as extra cost on top of the base transfer-duty estimate.
Official References
Stamp duty settings differ by state and buyer profile.
- According to the Australian Government First Home portal, eligible first-home buyers may receive concessions or exemptions depending on state policy.
- According to the ATO rental property guidance, property tax treatment should be reviewed alongside transfer duty when estimating total purchase cost.
Reviewed: March 3, 2026