Stamp duty on a $425,000 house in VIC
Victoria · transfer duty
$20,570
Transfer duty on a $425,000 property in Victoria at the standard rate. Verified 16 July 2026, source: State Revenue Office Victoria.
Owner-occupier (home concession): $17,620 · First home buyer: $0
A $425,000 value falls in the $130,001 to $960,000 band, where duty is $2,870 + $6.00 per $100 over $130,000 — $20,570 in total.
Stamp duty calculator
VIC$17,620 transfer duty
- Standard (general) duty
- $20,570
- Principal place of residence (PPR) rate, value $550,000 or under
- $17,620
VIC figures from State Revenue Office Victoria. Estimate only — your conveyancer and the revenue office confirm the exact duty. Full breakdown for $425,000 in VIC →
What a first home buyer or owner-occupier pays
$20,570Standard / investor rate
$17,620Principal place of residence (PPR) rate, value $550,000 or under
$0First home buyer
Full exemption — a first home at or under $600,000 pays no duty. First home buyer duty in VIC →
Deposit, loan and repayments at $425,000
| Deposit | Deposit amount | Loan | Approx. monthly | Indicative LMI |
|---|---|---|---|---|
| 20% (no LMI) | $85,000 | $340,000 | $2,038.47 | $0 |
| 10% | $42,500 | $382,500 | $2,293.28 | $5,661 |
Repayments assume 6% p.a. over 30 years; LMI is an indicative estimate. Adjust the rate and term →
The same price in other states
| State | Duty on $425,000 | |
|---|---|---|
| Victoria | $20,570 | |
| New South Wales | $13,312 | view |
| Queensland | $13,300 | view |
| Western Australia | $14,202.50 | view |
Compare all eight states side by side →
VIC transfer duty schedule
| Dutiable value | Duty payable |
|---|---|
| Up to $25,000 | $1.40 per $100 |
| $25,001 to $130,000 | $350 + $2.40 per $100 over $25,000 |
| $130,001 to $960,000 | $2,870 + $6.00 per $100 over $130,000 |
| $960,001 to $2,000,000 | 5.5% of the total value |
| Over $2,000,000 | $110,000 + $6.50 per $100 over $2,000,000 |
Nearby prices in VIC
Common questions
- How much is stamp duty on a $425,000 property in Victoria?
- Transfer duty is $20,570 at the VIC general rate for a $425,000 property, calculated from the State Revenue Office Victoria schedule. An owner-occupier who lives in the home pays $17,620. As a first home buyer, this purchase is exempt — you would pay $0.
- Is stamp duty paid on top of the purchase price?
- Yes. The $20,570 duty is separate from the $425,000 price and is normally paid at settlement. On a 20% deposit of $85,000, budget for the duty as an additional upfront cost.
- What deposit and loan do I need for a $425,000 home?
- A 20% deposit is $85,000, leaving a $340,000 loan (about $2,038.47 a month at 6% over 30 years, no LMI). With a 10% deposit of $42,500 the loan is $382,500 and indicative LMI is around $5,661.
- Do foreign buyers pay extra duty in Victoria?
- Foreign purchasers usually pay an additional surcharge on top of transfer duty. It is charged separately from the $20,570 owner-occupier figure — confirm the current surcharge rate with State Revenue Office Victoria.