Victoria Stamp Duty $300k — Owner Occupier | $13,070

A owner occupier purchasing a $300k property in Victoria pays $13,070 in stamp duty.

Stamp Duty Payable

$13,070

on a $300k property in VIC

Buyer & Property Information

Property Price

State

Deposit Percentage (%) (%)

Interest Rate (%)

Loan Term (Years)

Stamp Duty Calculation

$11,370

Total Costs

$12,170

$1,363/Month

Stamp Duty Calculation

I Am a,, For the Purpose of

Buying a Property in State With a Price of $

VIC Base Stamp Duty Calculation:

Property Price: $300,000
Bracket 3 ($130,000-$960,000): $2,870 + ($170,000 × 6%)
= $11,370

Upfront Cost Breakdown

Total Upfront Costs

Stamp Duty$11,370

Conveyancing / Legal Fees (est.)$800

Total Upfront Costs$12,170

Conveyancing fee is an estimate only (typically $800–$2,500). Actual fees vary by conveyancer/solicitor and state.

Stamp Duty Comparison by State

Loan Calculation

Deposit Ratio: %

Loan Term: Years

Interest Rate: %

Deposit Amount$60,000

Loan Amount$240,000

Mortgage Calculation (Principal & Interest)

Loan Amount$240,000

Loan Term30 Years

Interest Rate5.5%

Loan Type:

Monthly Repayment$1,363

= Monthly Payment = Loan Amount × (Monthly Rate × (1 + Monthly Rate)^Terms) ÷ ((1 + Monthly Rate)^Terms - 1)
= $240,000 × (Monthly Rate: 0.004583 × (1 + 0.004583)^Total Months: 360) ÷ ((1 + 0.004583)^360 - 1)
= $1,363

Total Repayment$490,570

Total Interest$250,570

Compare with Lenders

Rates as of 2026-07-15

Lender	Rate	Monthly	Diff
Westpac	5.99%	$1,437	+75
ING	5.99%	$1,437	+75
Commonwealth Bank	6.09%	$1,453	+90
Macquarie Bank	6.09%	$1,453	+90
UBank	6.09%	$1,453	+90
Bendigo Bank	6.14%	$1,461	+98
Bank of Queensland	6.14%	$1,461	+98
ANZ	6.39%	$1,500	+137
NAB	6.44%	$1,508	+145
Suncorp	6.54%	$1,523	+161

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Mortgage Cashflow Over Time

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Cost Breakdown

Item	Amount
Property Price	$300,000
Base Stamp Duty	$13,070
Stamp Duty Payable	$13,070

Frequently Asked Questions

How much stamp duty do I pay on a $300k property in Victoria?▾

A owner occupier purchasing a $300k property in Victoria pays $13,070 in stamp duty.

Are there stamp duty concessions for owner occupiers in Victoria?▾

Standard rates apply for owner occupiers. No concessional rates are available.

When is stamp duty due in Victoria?▾

In Victoria, stamp duty (transfer duty) is generally due within 3 months of signing the contract, or on settlement — whichever is earlier.

What is the stamp duty rate in Victoria?▾

Victoria uses a progressive bracket system. The exact rate depends on the purchase price — for a $300k purchase as a owner occupier, the effective rate is approximately 4.36%.

Compare Buyer Types — $300k in VIC

First Home Buyer$0 Investor$13,070 Foreign Buyer$37,070

Stamp Duty at Other Prices — VIC Owner Occupier

$500k$25,070 $750k$40,070 $900k$49,070 $1M$55,000 $1.25M$68,750 $1.5M$82,500 $2M$110,000 $3M$175,000 $5M$305,000

Need a Custom Calculation?

Use our full Victoria stamp duty calculator for exact amounts with your specific property details.

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