VIC Property Stamp Duty Calculator
Calculate how much stamp duty (land transfer duty) you will pay on a property in Victoria. Enter the purchase price and select whether it's your principal residence or an investment property to see the correct rate. We also estimate your deposit and registration fees so you know the total upfront cash required at settlement.
If you searched for a "stamp duty calculator Victoria 2026", this page gives the same transfer duty estimate framework used for current VIC purchase planning.
Want a quick overview version? See Stamp Duty Calculator Victoria 2026.
Looking for car duty instead? Use the VIC Car Stamp Duty Calculator.
Uses Victorian State Revenue Office rates effective 1 July 2021. Does not apply first home buyer exemptions.
Enter the contract price or market value, whichever is higher.
Lower rates apply for properties up to $550,000 if you move in within 12 months.
Select a preset:
Land Victoria registration fees (2024-25).
Enter a property price to estimate VIC stamp duty and upfront cash needed.
VIC stamp duty rates
Victoria charges land transfer duty on a sliding scale. The rate depends on property value and whether it's your principal place of residence. Only the portion within each bracket is charged at that bracket's rate.
General rates (investment & non-PPR)
| Dutiable value | Rate | Formula |
|---|---|---|
| $0 – $25,000 | 1.4% | 1.4% of value |
| $25,001 – $130,000 | 2.4% | $350 + 2.4% over $25,000 |
| $130,001 – $960,000 | 6% | $2,870 + 6% over $130,000 |
| $960,001 – $2,000,000 | 5.5% | 5.5% of total value (flat) |
| $2,000,001+ | 6.5% | $110,000 + 6.5% over $2,000,000 |
Principal residence rates (up to $550,000)
| Dutiable value | Rate | Formula |
|---|---|---|
| $0 – $25,000 | 1.4% | 1.4% of value |
| $25,001 – $130,000 | 2.4% | $350 + 2.4% over $25,000 |
| $130,001 – $440,000 | 5% | $2,870 + 5% over $130,000 |
| $440,001 – $550,000 | 6% | $18,370 + 6% over $440,000 |
| $550,001+ | General rates apply | |
Principal residence concession
If you buy a home to live in, you may qualify for lower PPR rates on properties up to $550,000. To qualify, you must move into the property within 12 months of settlement and occupy it continuously for at least 12 months.
The calculator automatically shows your PPR savings when applicable. For properties above $550,000, the general rates apply regardless of whether it's your home.
First home buyer concessions
Victoria offers generous concessions for eligible first home buyers:
- Full exemption on properties up to $600,000
- Concession on properties $600,001 – $750,000 (sliding scale)
- No concession above $750,000
This calculator does not apply first home buyer concessions. If you qualify, use our dedicated VIC First Home Buyer Stamp Duty Calculator to see your exemption or concession amount.
Key stamp duty scenarios
Stamp duty on a house in Victoria
Stamp duty on a house in Victoria depends on the purchase price and whether you will live in it. For a median-priced Melbourne house around $900,000, expect to pay approximately $49,070 in land transfer duty at general rates. If it's your principal residence, general rates still apply above $550,000, so the duty is the same. The PPR concession only benefits buyers of properties up to $550,000.
Investment property
Investment properties always attract the general land transfer duty rates — the PPR concession does not apply. For example, on a $600,000 investment property, duty is $31,070. On $800,000, it is $43,070. On a $1,000,000 investment, duty is $55,000 (the 5.5% flat rate). Use the calculator above and select "Investment" to see the exact amount.
Off-the-plan purchases
Victoria offers an off-the-plan concession that can significantly reduce stamp duty on new apartments and units. Duty is calculated on the land value only, excluding the value of construction not yet completed at the contract date. This concession was expanded in October 2024 and extended to October 2026. This calculator does not include off-the-plan concessions.
Vacant land
Vacant land purchases attract the general land transfer duty rates. If you're buying land to build your home, the PPR concession does not apply to vacant land — it only applies to established dwellings. First home buyers purchasing vacant land up to $400,000 may qualify for a full exemption.
Refinancing and spouse transfers
Refinancing your mortgage with a new lender does not trigger land transfer duty in Victoria — ownership does not change. However, transferring property between spouses (for example, adding a partner to the title) may attract duty unless a specific exemption applies, such as the relationship breakdown exemption.
FAQ
What rates does this calculator use?
Rates are from the Victorian State Revenue Office, effective 1 July 2021. Victoria indexes some thresholds periodically, so always confirm with your conveyancer before settlement.
How much is stamp duty on a house in Victoria?
Stamp duty on a house in Victoria varies by price. On a $500,000 home (PPR), duty is $21,970. On $700,000, it is $37,070 (general rates apply above $550,000). On $1,000,000, duty is $55,000. Investment properties pay general rates — on a $500,000 investment, duty is $25,070. Enter your purchase price in the calculator for an exact figure.
How is VIC different from NSW and QLD?
Victoria distinguishes between principal residence and investment properties, with PPR buyers getting lower rates on properties up to $550,000. Victoria also has a unique flat 5.5% tier for properties between $960,000 and $2 million. NSW uses the same rates for all general buyers, while QLD offers a home concession that applies at all price points.
What are the current Victoria land transfer duty rates?
General rates range from 1.4% on the first $25,000 up to 6.5% on amounts over $2,000,000. Properties between $960,001 and $2,000,000 attract a flat 5.5% rate. Principal residence rates are lower for properties up to $550,000, starting at 1.4% and reaching 6% above $440,000.
How much is stamp duty on an investment property in Victoria?
Investment properties use the general land transfer duty rates. On a $500,000 investment property, duty is $25,070. On $750,000, it is $40,070. On $1,000,000, duty is $55,000 (5.5% flat rate). Use the calculator and select "Investment" to see the exact amount.
Do I pay stamp duty when refinancing in Victoria?
No. Refinancing your mortgage — even switching to a different lender — does not trigger land transfer duty because ownership of the property does not change. Duty only applies when the title is transferred to a new owner.
What is the off-the-plan stamp duty concession in Victoria?
The off-the-plan concession reduces stamp duty on new apartments and units by calculating duty on the land value only (excluding construction not yet completed). This concession was expanded in October 2024 and extended to October 2026. It can significantly reduce upfront costs for off-the-plan buyers.
Are foreign purchasers charged more?
Yes. Foreign purchasers pay an additional 8% Foreign Purchaser Additional Duty (FPAD) on top of the standard land transfer duty rates. This calculator is for Australian citizens and permanent residents only.
Where can I calculate VIC first home buyer stamp duty?
Use our dedicated VIC First Home Buyer Stamp Duty Calculator to see your exemption or concession amount based on the property price.
Is this a stamp duty calculator Victoria 2026 buyers can use?
Yes. This calculator is suitable for current Victorian transfer duty estimates and 2026 planning scenarios using the published duty schedule.
Tax Accuracy & Sources
Estimates Victorian land transfer duty using standard PPR or general rate pathways and registration fee assumptions. Off-the-plan, first home buyer, and foreign purchaser outcomes may differ.
VIC land transfer duty rates confirmed February 2025. Source: State Revenue Office Victoria.