Investor vs owner-occupier stamp duty (VIC)
See how much the PPR concession and first home buyer relief save compared to buying as an investor.
| Buyer | Estimated duty |
|---|---|
| Investor | |
| Owner-occupier (PPR) | |
| First home buyer (owner-occupier) |
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Victorian land transfer duty rates (general)
| Dutiable value | Duty |
|---|---|
| $0 – $25,000 | 1.4% |
| $25,001 – $130,000 | $350 + 2.4% over $25,000 |
| $130,001 – $960,000 | $2,870 + 6% over $130,000 |
| $960,001 – $2,000,000 | 5.5% of total value |
| Over $2,000,000 | $110,000 + 6.5% over $2,000,000 |
Principal place of residence (PPR) rates for values $130,001–$550,000: $2,870 + 5% over $130,000 up to $440,000; $18,370 + 6% over $440,000 up to $550,000.
The PPR concession only applies between $130,000 and $550,000, so above $550,000 owner-occupiers and investors pay the same (unless first home buyer relief applies).
Frequently asked questions
Do investors pay more stamp duty in Victoria?
Sources & rates
- SRO Victoria – PPR current rates
- SRO Victoria – First home buyer eligibility
- SRO Victoria – Foreign purchaser additional duty (8%)
- SRO Victoria – First Home Owner Grant
- SRO Victoria – Land transfer duty current rates
- SRO Victoria – First home buyer duty exemption or concession
- SRO Victoria – Off-the-plan duty concession
Rates checked 25 October 2026.
General information only — not financial, tax or legal advice. Results are estimates based on published government rates and simplified assumptions, and do not consider your personal circumstances. Always confirm with the State Revenue Office, the ATO, your lender, a licensed mortgage broker or a qualified adviser before making decisions.