Stamp Duty Calculator
Estimate transfer duty on a residential property purchase across all 8 Australian states and territories.
Property Buying Cost Calculator
The true cost of buying a home: deposit, stamp duty, LMI, conveyancing, inspections, and government fees in one place.
Total upfront cash needed
$206,794
Breakdown
| Component | Amount |
|---|---|
| Deposit | $160,000 |
| Stamp duty (VIC) | $43,070 |
| Mortgage registration fee | $124 |
| Transfer registration fee | $1,500 |
| Conveyancing / legal | $1,500 |
| Building & pest inspection | $600 |
| Total upfront cash | $206,794 |
About this calculator
Stamp duty is computed against the published rate tables for each state — first-home concessions are applied where they exist but off-the-plan and pensioner concessions are not modelled. LMI is an industry-ballpark estimate based on published Genworth / Helia / QBE schedules; actual LMI varies materially by lender and borrower profile. Government registration fees are state-averaged and re-verified yearly. Doesn't include foreign-buyer surcharges, first-home guarantee scheme effects, or council rates adjustments at settlement. Talk to a licensed mortgage broker and your conveyancer for definitive figures.