Stamp Duty on a $400,000 Home in Victoria (2026–27)
What you'll pay in transfer duty on a $400,000 property in Victoria, for owner-occupiers, first home buyers and investors.
$400,000 stamp duty in Victoria by buyer type
| Buyer | Duty | Rate | Notes |
|---|---|---|---|
| Home to live in | $16,370 | 4.09% | Principal place of residence concession. |
| First home (established) | $0 | 0.00% | Full first home buyer exemption (up to $600,000). |
| First home (new) | $0 | 0.00% | Full first home buyer exemption (up to $600,000). |
| Investment | $19,070 | 4.77% | – |
First home buyers
An eligible first home buyer pays no transfer duty on an established $400,000 home in Victoria, saving $16,370.
Full first home buyer exemption (up to $600,000).
How much cash you'll need
With a 20% deposit of $80,000, stamp duty takes the cash you need at settlement to about $96,370 for an owner-occupier, before legal fees, inspections and government registration fees. Duty is usually due at or soon after settlement, and most lenders won't add it to your loan.
How duty changes around $400,000 in Victoria
Between $400,000 and $500,000, duty rises from $16,370 to $21,970. Each extra $1,000 you pay for the property in that range adds about $56 in duty (5.6%), so negotiating $20,000 off the price would save about $1,120 in duty as well.
Stamp duty of $16,370 is 20% of a 20% deposit on this property. Saved at $500 a week, it would take about 0.6 years to put aside the duty alone.
$400,000 stamp duty in every state
| State | Owner-occupier | First home buyer (established) |
|---|---|---|
| New South Wales | $12,187 | $0 |
| Victoria | $16,370 | $0 |
| Queensland | $5,250 | $0 |
| Western Australia | $13,015 | $0 |
| South Australia | $16,330 | $16,330 |
| Tasmania | $13,998 | $13,998 |
| ACT | $5,008 | $0 |
| Northern Territory | $16,514 | $16,514 |
Other prices in Victoria
$500k · $600k · $700k · $750k · $800k · $900k · $1m · $1.2m · $1.5m · $2m · full VIC table
Transfer duty only, at 2026–27 rates. Excludes foreign buyer surcharges and registration fees. First home buyer figures assume you meet every eligibility rule.
Frequently asked questions
How much is stamp duty on a $400,000 house in Victoria?
About $16,370 for an owner-occupier in 2026–27, an effective rate of 4.09%. An investor pays $19,070.
Do first home buyers pay stamp duty on a $400,000 home in Victoria?
An eligible first home buyer pays no transfer duty on an established $400,000 home in Victoria, saving $16,370.
Which state has the lowest stamp duty on a $400,000 home?
ACT is lowest at $5,008 for an owner-occupier, and Northern Territory is highest at $16,514.
Last reviewed October 2026. Estimates for general information only, based on 2026–27 rates. Check important figures with the relevant government agency or a licensed professional.