VIC
Victoria
$46,070
5.42% of price
Tools · Settlement · VIC
Victoria stamp duty calculator
Victoria's stamp duty is close to NSW's at the top end but the FHB concession taper (up to $750K) is more moderate. The foreign purchaser additional duty is 8%. Off-the-plan concessions remain material for new apartments below $1M — the calculator assumes standard established-property rates by default.
Primary source: State Revenue Office Victoria · Duties Act 2000 (Vic), Ch 2 Pt 2 · last reviewed 2026-04-20
Step 1 · Inputs
Set the purchase details.
Results update below when you change price, buyer status, or surcharge status.
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Tip: A two-bedroom unit in Parramatta sells around $780,000. Try that to see the duty on an investor purchase vs first home buyer.
Victoria total at this price
total payable $46,070 · standard duty $46,070
Step 2 · Calculator output
Read the Victoria duty bill.
Got a question about this result?
Ask The Steward.
The specialist already knows your price ($850,000) and state (VIC). Ask about timing, investor vs owner-occupier differences, or how the duty stacks with deposit + loan.
What makes Victoria different.
Victoria has the steepest bracket in the $960K–$2M range (6% marginal). First home buyer full exemption under $600K, concession to $750K. 8% foreign purchaser surcharge.
FHB treatment: Full exemption under $600,000; partial concession taper up to $750,000. Full eligibility at the source .
Foreign purchaser surcharge: 8% additional duty applies on top of standard rates.
Use the calculator above for your specific price. Every bracket is cited to the Duties Act section in the source chips. For situations that don’t map cleanly (trust purchases, off-the-plan concessions, deceased estate transfers, pensioner exemptions), email hello@propautopilot.ai.
Victoria — frequently asked
The questions VIC buyers actually ask.
How much is stamp duty on a $1 million home in Victoria?+
Standard stamp duty on a $1,000,000 purchase in Victoria is approximately $55,000 — the highest of any state at that price. First home buyers receive partial concession up to $750K ($600K gets full exemption). Above $750K no FHB relief applies; above $1M foreign purchasers add 8% additional duty.
What's the Victoria first home buyer stamp duty exemption?+
Full exemption under $600K; partial concession taper between $600K and $750K. No FHB relief above $750K. The 'off-the-plan' concession (for unregistered land + new apartments) can materially reduce duty for eligible new-build purchases but phases out at the same $750K threshold.
Does Victoria have a foreign purchaser additional duty?+
Yes — 8% additional duty on residential property purchases by foreign buyers, on top of standard transfer duty. The same definition of 'foreign purchaser' applies as the Commonwealth FIRB rules: anyone other than Australian citizens, permanent residents, and NZ-citizens who normally reside here.
What's the Victoria off-the-plan concession?+
Victoria offers a duty concession on off-the-plan purchases where construction has not yet commenced at contract date. The dutiable value is reduced by the construction cost component, lowering the assessable amount. Off-the-plan concession is restricted to PPOR purchases, capped at $1M dutiable value (post-deduction), and phased out for higher-value purchases.
Is there a Victoria pensioner stamp duty concession?+
Yes — Victoria offers a pensioner duty exemption/concession on PPOR purchases up to $750,000 (with full exemption to $600K). Eligibility requires holding a Pensioner Concession Card or DVA Gold Card and using the property as PPOR for at least 12 months within 12 months of settlement.
Does Victoria still have land tax on top of stamp duty?+
Yes — Victoria levies an annual land tax on aggregate landholdings above the tax-free threshold ($300K general land or $50K trust-held land). For investors this is a recurring cost separate from one-time stamp duty. Owner-occupier PPOR is exempt from land tax. Recent Vacant Residential Land Tax adds extra cost on unoccupied properties.
Can I get a Victoria stamp duty refund?+
Yes — refunds available where the contract is cancelled, rescinded, or set aside before settlement (Section 31 Duties Act 2000). Apply via the State Revenue Office Victoria with the executed cancellation deed and proof no transfer occurred. Typical processing time 4-6 weeks.
How are Victoria off-the-plan stamp duty rebates calculated?+
The dutiable value is reduced by the value of construction completed after contract date. If the contract value is $700K and construction-cost-yet-to-occur is $300K, dutiable value drops to $400K. Standard duty applies to the reduced amount. Concession applies only if the purchaser intends to live in the property as PPOR for at least 12 months.
Does Victoria stamp duty apply to spouse transfers?+
Transfers between spouses are exempt where the property is or will be the PPOR of one or both spouses (Section 43 Duties Act 2000). Investment properties don't qualify. Transfers under a Family Court order are exempt under Section 44 regardless of PPOR status.
What if I buy a Victorian home but never move in — does the FHB exemption stick?+
No. The FHB exemption requires the buyer to live in the property as PPOR for at least 12 months continuously, starting within 12 months of settlement. If you don't satisfy the residence test, the State Revenue Office can claw back the concession + interest. Always reconfirm intent before claiming.
How it works
Direct from State Revenue Office Victoria.
Brackets pulled from Duties Act 2000 (Vic), Ch 2 Pt 2. Verified against the primary source on 2026-04-20. Refreshed quarterly — any rate change lands within two weeks. We never cache rates without showing the verified-at date.
General information only — not tax, legal, or financial advice. Confirm with a licensed conveyancer before signing. hello@propautopilot.ai for calculation questions.
Keep going.
Calculators are inputs to a decision, not the decision. The pages below extend the math into context.
Guides
- First home buyer guide — Australia 2026
Stamp duty exemptions are the largest FHB benefit in most states.
- Home Guarantee Scheme explained
Stack HGS with state stamp-duty exemption where eligible.
- How to find investment properties
Stamp duty is step 1 of the 10-step underwriting framework.
- Negative gearing explained
Stamp duty is part of cost base — affects CGT at sale, not annual deduction.
Sibling tools
- Buying power calculator
Add stamp duty to your full upfront cash position.
- Cashflow projector
10-year cashflow including the upfront stamp-duty hit.
- CGT calculator
Stamp duty enters cost base — affects CGT at exit.
Chapter 2 — How much can you actually borrow, and at what cost — Deposit, LMI, APRA serviceability buffer, stamp duty per state, FHSS withdrawal, and the four government schemes that change the maths. Run the calculators as you read.