Stamp Duty on $450K Property — VIC
Stamp duty on a $450,000 property in Victoria is $22,070.00. See total costs, first home buyer savings, and compare to other states.
Last verified: 1 July 2025Stamp Duty: $22,070.00
On a $450,000 property in Victoria, stamp duty is $22,070.00 at an effective rate of 4.90% (2025-26 rates).
Cost Breakdown
| Property price | $450,000 |
| Stamp duty (standard buyer) | $22,070.00 |
| Effective stamp duty rate | 4.90% |
| Legal / conveyancing fees (est.) | $2,000.00 |
| Building & pest inspection (est.) | $500.00 |
| Total purchase cost | $474,570.00 |
First Home Buyer Stamp Duty — VIC
You save $22,070.00
First home buyers pay $0.00 in stamp duty on a $450,000 property in Victoria, compared to $22,070.00 for a standard buyer.
Total purchase cost with FHB concession: $452,500.00
Foreign Buyer Stamp Duty
Foreign purchasers pay an additional 8% surcharge ($36,000.00) on top of standard stamp duty.
Total foreign buyer stamp duty: $58,070.00
Stamp Duty on $450K — All States
| State | Stamp Duty | Effective Rate |
|---|---|---|
| New South Wales | $14,985.00 | 3.33% |
| Victoria | $22,070.00 | 4.90% |
| Queensland | $14,175.00 | 3.15% |
| Western Australia | $15,750.00 | 3.50% |
| South Australia | $18,830.00 | 4.18% |
| Tasmania | $16,123.00 | 3.58% |
| Australian Capital Territory | $10,813.00 | 2.40% |
| Northern Territory | $13.00 | 0.00% |
Mortgage Impact — Adding Stamp Duty to Your Loan
If you add $22,070.00 stamp duty to your home loan instead of paying upfront, here is how it affects your repayments (based on 80% LVR, 6.25% rate, 30-year term):
| Monthly repayment (without stamp duty in loan) | $2,216.58 |
| Monthly repayment (with stamp duty in loan) | $2,352.47 |
| Extra per month | +$135.89 |
| Extra interest paid over 30 years | $26,849.96 |
Paying stamp duty upfront saves you $26,849.96 in interest over the life of your loan.
Calculate a Different Amount
Frequently Asked Questions
How much is stamp duty on a $450,000 house in Victoria?
Stamp duty on a $450,000 property in Victoria is $22,070.00 for a standard buyer (2025-26 rates). This is an effective rate of 4.90%.
Do first home buyers pay stamp duty in Victoria?
First home buyers in Victoria pay $0.00 in stamp duty on a $450,000 property — a saving of $22,070.00 compared to standard rates.
What are the total costs of buying a $450,000 property in Victoria?
The total estimated cost is approximately $474,570.00, which includes the purchase price ($450,000), stamp duty ($22,070.00), legal/conveyancing fees (~$2,000), and building/pest inspections (~$500).
General information and estimates only — not financial, tax, or legal advice. Always verify with a licensed adviser or the ATO.
Learn more
Complete guide to NSW stamp duty rates for 2025-26. Find out what you'll pay, first home buyer exemptions, and how the property tax option works.
Stamp Duty in Queensland 2025-26: Rates, Thresholds & ExemptionsEverything you need to know about QLD transfer duty. Current rates, first home concessions, and how foreign buyers pay extra surcharges.
NSW Stamp Duty Calculator 2025-26: How Much Will You Pay?Calculate your NSW stamp duty (transfer duty) for 2025-26. Covers standard rates, first home buyer exemptions, the First Home Buyer Choice property tax option, and foreign buyer surcharges.