Stamp Duty Calculator 

Backed by Finance Experts

Our Stamp Duty Calculator is backed by insights from Carlisle Homes’ finance experts to reflect the latest stamp duty rates and regulations across Australia. With years of experience in the housing market, this tool is tailored to Australian property buyers, providing valuable insights to help you make informed decisions.

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How is stamp duty calculated?

Stamp duty in Victoria is calculated based on the property value or purchase price, whichever is higher. For properties valued up to $600,000, eligible first-home buyers may be exempt from paying stamp duty. For properties above this value, the rates start at 1.4% and increase progressively, reaching up to 5.5% for properties over $960,000. The final amount depends on several factors, including whether you are a first-home buyer, an investor, or buying as an owner-occupier.

How accurate are the VIC Stamp Duty Calculator estimates?

The VIC Stamp Duty Calculator provides an estimate based on the property value and location. While it's designed to be accurate, the final amount may vary depending on additional factors such as transfer fees and legal costs. Always check with your state’s revenue office for the exact amount.

How much is stamp duty in Victoria?

Stamp duty is calculated based on the property’s purchase price or its market value, whichever is higher. The exact rate varies depending on the state or territory, the type of buyer (first-home buyer or investor), and the property's value. In general, the higher the property value, the higher the stamp duty. You can use our stamp duty calculator to estimate your location and property value accurately.

Do first-home buyers need to pay stamp duty?

First-home buyers may be eligible for a concession or exemption from stamp duty. If the property value is below a certain threshold and you meet the requirements, you may qualify for reduced stamp duty or even avoid it altogether. Be sure to also check the eligibility criteria for the First Home Owner Grant.

What other fees should I consider when purchasing a property?

Along with stamp duty, other costs are involved, including mortgage registration and transfer fees. These are government fees related to processing your home loan and the official transfer of the property title.

How does the Stamp Duty Calculator work for first-home buyers?

The Stamp Duty Calculator considers whether you're a first-time home buyer, allowing it to factor in potential concessions or exemptions. If you’re eligible for the First Home Owner Grant, this may reduce your overall pay stamp duty amount.

What is a transfer fee, and how is it calculated?

A transfer fee is a government charge applied when the ownership of a property is officially transferred from one party to another. This fee is separate from stamp duty and varies depending on your property’s location and property value.

Do you pay stamp duty on a new build?

Yes, stamp duty is payable on a new build in most cases. However, some states, like Victoria, offer concessions or exemptions for first-home buyers and off-the-plan purchases. The stamp duty on a new build is generally calculated based on the land value rather than the total construction cost. Check your state’s regulations to see if you qualify for exemptions or concessions.

Do you have to pay stamp duty up front?

Yes, stamp duty is typically required to be paid upfront, usually at the time of property settlement. This means it must be paid in full before the property title can be transferred into your name. Failure to pay stamp duty within the specified period (generally 30 days from settlement) may result in penalties. It is important to investigate this cost into your upfront expenses when planning your property purchase.