How much cash to buy an $800,000 house in Victoria?

This calculator shows $207,746 at a 20 per cent deposit, including $43,070 land transfer duty and $1,976 Land Use Victoria fees.

Does the Victorian PPR concession cut costs at $800,000?

Not in this model. Principal-place concessional rates stop at $550,000. First-home relief phases out by $750,000.

No. At 20 per cent deposit the LVR is 80 per cent. Ask the lender whether a premium still applies.

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How much does it cost to buy a house in VIC

Victorian buyers pay land transfer duty and a Land Use Victoria electronic transfer fee on top of the deposit. Principal-place concessional rates in this model only apply at or below $550,000.

$207,746

Cash to complete

$43,070

Stamp duty

80%

LVR

Deposit: $160,000
Loan: $640,000
Transfer duty: $43,070
Titles / transfer fee: $1,976
Legal (est.): $2,000
Building and pest (est.): $700
Cash to complete: $207,746

At 80 per cent LVR or below, LMI often does not apply. Confirm with the lender. It is not in this total.

VIC stamp duty → · VIC first-home duty →

Cash to complete a purchase in VIC

At $800,000 with 20 per cent down, investor cash to complete is $207,746. Duty is $43,070; the titles fee is $1,976.

First-home duty at $800,000 is $43,070 in this model — the Victorian first-home phase ends at $750,000, so this price is full duty.

LMI is omitted. Confirm SRO Victoria eligibility separately from this labelled estimate.

Common questions

How much cash to buy an $800,000 house in Victoria?: This calculator shows $207,746 at a 20 per cent deposit, including $43,070 land transfer duty and $1,976 Land Use Victoria fees.
Does the Victorian PPR concession cut costs at $800,000?: Not in this model. Principal-place concessional rates stop at $550,000. First-home relief phases out by $750,000.
Is LMI included?: No. At 20 per cent deposit the LVR is 80 per cent. Ask the lender whether a premium still applies.

VIC stamp duty calculator → · VIC first-home stamp duty → · VIC stamp duty on $800,000 → · State Revenue Office Victoria →

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