Stamp Duty on $800K Property — VIC
Stamp duty on a $800,000 property in Victoria is $43,070.00. See total costs, first home buyer savings, and compare to other states.
Last verified: 1 July 2025Stamp Duty: $43,070.00
On a $800,000 property in Victoria, stamp duty is $43,070.00 at an effective rate of 5.38% (2025-26 rates).
Cost Breakdown
| Property price | $800,000 |
| Stamp duty (standard buyer) | $43,070.00 |
| Effective stamp duty rate | 5.38% |
| Legal / conveyancing fees (est.) | $2,000.00 |
| Building & pest inspection (est.) | $500.00 |
| Total purchase cost | $845,570.00 |
First Home Buyer Stamp Duty — VIC
At $800,000, first home buyer concessions in Victoria do not reduce stamp duty. The property value exceeds the concession threshold. Standard duty of $43,070.00 applies.
Foreign Buyer Stamp Duty
Foreign purchasers pay an additional 8% surcharge ($64,000.00) on top of standard stamp duty.
Total foreign buyer stamp duty: $107,070.00
Stamp Duty on $800K — All States
| State | Stamp Duty | Effective Rate |
|---|---|---|
| New South Wales | $30,735.00 | 3.84% |
| Victoria | $43,070.00 | 5.38% |
| Queensland | $29,025.00 | 3.63% |
| Western Australia | $32,316.00 | 4.04% |
| South Australia | $37,830.00 | 4.73% |
| Tasmania | $31,185.00 | 3.90% |
| Australian Capital Territory | $28,623.00 | 3.58% |
| Northern Territory | $39,600.00 | 4.95% |
Mortgage Impact — Adding Stamp Duty to Your Loan
If you add $43,070.00 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) | $3,940.59 |
| Monthly repayment (with stamp duty in loan) | $4,205.78 |
| Extra per month | +$265.19 |
| Extra interest paid over 30 years | $52,398.18 |
Paying stamp duty upfront saves you $52,398.18 in interest over the life of your loan.
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Frequently Asked Questions
How much is stamp duty on a $800,000 house in Victoria?
Stamp duty on a $800,000 property in Victoria is $43,070.00 for a standard buyer (2025-26 rates). This is an effective rate of 5.38%.
Do first home buyers pay stamp duty in Victoria?
At $800,000, first home buyer concessions in Victoria do not reduce stamp duty below the standard amount of $43,070.00. The property value exceeds the concession threshold.
What are the total costs of buying a $800,000 property in Victoria?
The total estimated cost is approximately $845,570.00, which includes the purchase price ($800,000), stamp duty ($43,070.00), legal/conveyancing fees (~$2,000), and building/pest inspections (~$500).
Frequently asked questions
How much stamp duty do first home buyers pay in NSW?
First home buyers in NSW pay no stamp duty on homes up to $800,000, a concessional rate on homes between $800,001 and $1,000,000, and full stamp duty above $1,000,000. The First Home Owner Grant adds $10,000 for new homes up to $600,000. Source: Revenue NSW.
How much stamp duty do first home buyers pay in Victoria?
First home buyers in Victoria pay no stamp duty on homes up to $600,000 and receive a sliding concession on homes between $600,001 and $750,000. A $10,000 First Home Owner Grant applies on new homes up to $750,000. Source: State Revenue Office Victoria.
Do foreign buyers pay extra stamp duty in Australia?
Yes. Foreign buyer surcharges apply in most states: 8% in NSW and Victoria, 7% in Queensland, Western Australia, and South Australia. These are additional to the standard stamp duty and First Home Buyer concessions do not apply to foreign buyers.
Is stamp duty payable on off-the-plan purchases?
Off-the-plan concessions vary by state. Victoria removed the concession in 2017 for owner-occupiers. NSW retained an off-the-plan concession for principal places of residence under certain thresholds. Always check the current rules with the relevant state revenue office.
General information and estimates only — not financial, tax, or legal advice. Always verify with a licensed adviser or the ATO.
Related reading
$31,335 on a $800K home, but first home buyers pay $0 under $800K. Full NSW stamp duty rates, exemptions, and calculator for 2025-26.
Stamp Duty in Queensland 2025-26: Rates, Thresholds & Exemptions$21,850 on a $700K QLD property. First home buyers get concessions up to $550K. Full transfer duty rates, thresholds, and foreign buyer surcharges.
NSW Stamp Duty 2026: $31,335 on $800K (First Home Buyers: $0)An $800K property costs $31,335 in NSW stamp duty in 2026 — but first home buyers pay $0 under $800K. See the exact figure for any price plus FHB exemption thresholds.
Stamp Duty in Victoria 2025-26: Rates, Concessions & Changes$44,000+ on a $800K VIC property. First home buyers save up to $33,250 on homes under $600K. Full Victorian stamp duty rates and concessions.