Stamp Duty Calculator VIC (2025-26)
Estimate Victorian stamp duty before committing to a Melbourne or regional VIC property budget. Duty in Victoria changes meaningfully across common first-home and upgrader price bands.
Victoria stamp duty quick guide
Victorian first home buyers generally pay no duty up to $600,000, with a partial concession up to $750,000. The partial concession gradually phases out so even a few thousand dollars above $600k can significantly affect your upfront cash position.
That makes the $600k-$750k band especially important for Melbourne fringe and apartment buyers comparing total upfront cash. On a $750k Victorian purchase, an owner-occupier pays around $38k in stamp duty, while a first home buyer at the same price receives a partial reduction. The gap between the FHB concession ceiling and the next price tier is one of the most common budget traps for Melbourne buyers.
Open VIC calculatorCommon VIC examples
| Purchase price | Owner-occupier duty | First home buyer duty |
|---|---|---|
| $650,000 | $30,970 | $10,323 |
| $750,000 | $36,970 | $36,970 |
| $1,000,000 | $57,200 | $57,200 |
Worked examples only. Eligibility conditions still apply to first home buyer concessions.
How much stamp duty should you budget in Victoria?
Stamp duty is an upfront cash cost on top of your deposit, legal fees, building reports, and moving costs. Buyers often focus on monthly mortgage repayments and forget they also need enough liquid cash to settle the duty bill.
In Victoria, duty rises quickly as purchase prices climb, which means even a modest bump in budget can add thousands of dollars in extra upfront cost. That is why using a state-specific calculator early in the buying process is so valuable.
Using this with your broader property budget
- Check duty first, then update your available deposit and borrowing amount.
- Model mortgage repayments separately so you know both the upfront and ongoing cost.
- If you are a first home buyer, test both the exemption threshold and the next price band before making offers.
- Compare total cash required, not just the headline property price.
Frequently asked questions
How much is stamp duty on a $800k house in VIC?
On an $800,000 property in Victoria, stamp duty is approximately $41,500 for owner-occupiers. First home buyer concessions do not apply above $750,000.
Do first home buyers pay stamp duty in VIC?
First home buyers pay no stamp duty on homes up to $600,000 in Victoria. A partial concession applies between $600,000 and $750,000.
Does Victoria have off-the-plan stamp duty concessions?
Yes. Victoria offers off-the-plan duty concessions for both owner-occupiers and investors. The concession is calculated on the value of construction work yet to be completed.
Melbourne property buyers should also account for the Building Survey and Inspection fees ($300-$1,000) and title transfer registration fees when calculating total upfront costs. The State Revenue Office Victoria website provides the official duty calculator and full eligibility guidelines.