Victoria (VIC) Stamp Duty Calculator
Calculate stamp duty for property purchases in Victoria (VIC). Includes first home buyer concessions, foreign buyer surcharge, LMI, and mortgage calculations.
Buyer & Property Information
Stamp Duty Calculation
$55,000
Total Costs
$56,800
$4,542/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:
Bracket 4 (>$960,000): $1,000,000 × 5.5%
= $55,000
Upfront Cost Breakdown
Total Upfront Costs
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
Mortgage Calculation (Principal & Interest)
= $800,000 × (Monthly Rate: 0.004583 × (1 + 0.004583)^Total Months: 360) ÷ ((1 + 0.004583)^360 - 1)
= $4,542
Compare with Lenders
Rates as of 2026-03-10| Lender | Rate | Monthly | Diff |
|---|---|---|---|
| UBank | 5.74% | $4,664 | +121 |
| Macquarie Bank | 5.9% | $4,745 | +203 |
| ING | 5.93% | $4,760 | +218 |
| Bank of Queensland | 6.04% | $4,817 | +275 |
| Suncorp | 6.04% | $4,817 | +275 |
| Bendigo Bank | 6.09% | $4,843 | +300 |
| ANZ | 6.14% | $4,869 | +326 |
| Westpac | 6.19% | $4,895 | +352 |
| NAB | 6.19% | $4,895 | +352 |
| Commonwealth Bank | 6.24% | $4,921 | +378 |
Free, no obligation quote from leading Australian lenders
Mortgage Cashflow Over Time
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Key Points About Victoria Stamp Duty
📖 Full VIC Stamp Duty Guide →- ✓Rates range from $2,870 to 5.5% for high-value properties
- ✓First home buyer exemptions up to $600,000
- ✓Foreign buyer surcharge: 8%
- ✓Payment due within 30 days of contract
Victoria offers competitive stamp duty concessions for first home buyers, with full exemptions on properties up to $600,000 and partial relief up to $750,000. The state applies an 8% foreign buyer duty on residential purchases by foreign persons.
Frequently Asked Questions About Victoria Stamp Duty
How much is stamp duty in Victoria?
Victoria stamp duty ranges from $2,870 for properties under $25,000 to rates as high as 5.5% for properties over $960,000. First home buyers may receive concessions or exemptions.
What are the first home buyer concessions in Victoria?
Victoria offers full stamp duty exemption for first home buyers on properties up to $600,000, and partial duty relief for properties between $600,000 and $750,000.
What is the foreign buyer duty in Victoria?
Foreign buyers in Victoria pay an additional 8% surcharge on residential property purchases on top of standard stamp duty.
When is stamp duty due in Victoria?
Stamp duty in Victoria must be paid within 30 days of signing the contract of sale.
Stamp Duty Calculators for Other States
Data Update History
We keep our stamp duty rates, thresholds, and fees up to date. Here is a log of every data change.
- NSW
NSW foreign surcharge updated
NSW foreign buyer surcharge increased from 8% to 9%. FIRB application fees updated for FY2025-26.
- NSW, VIC, QLD, SA, WA, TAS, ACT, NT
Bank rates & FHB thresholds updated
Updated bank comparison interest rates for March 2026. Revised First Home Buyer stamp duty concession thresholds across multiple states.
Year references updated to 2026
All page titles, meta descriptions, keywords, headlines, and structured data updated from 2025 to 2026.
Bank rate configuration centralised
Replaced hardcoded bank interest rates with a centralised configuration file for easier maintenance.
- QLD, SA, WA, TAS, ACT, NT
All states & territories added
Added stamp duty calculations for QLD, SA, WA, TAS, ACT, and NT alongside existing NSW and VIC support.
- NSW, VIC
Initial launch
Stamp duty calculator launched with NSW and VIC support, including first home buyer concessions and rebate calculations.