Complete buying-cost calculator

Duty, fees, inspections and moving costs for a Victorian purchase — not just the deposit. Government-derived figures are sourced from Delora's knowledge graph (State Revenue Office Victoria, verified 29 Jul 2026).

Purchase price

First-home buyer

Property type

Occupancy

Off-the-plan purchase

Foreign purchaser

Building & pest inspection

Conveyancing / legal fees

Loan application & valuation fees

Moving & immediate costs allowance

Initial repairs allowance

Settlement adjustments (rates/utilities)

Methodology and assumptions

Duty formula: the current SRO Victoria principal-place-of-residence rate scale (for owner-occupiers up to $550,000) or the general rate scale (for investment purchases, or any purchase above $550,000), computed exactly from the published rate bands. The first-home buyer exemption is applied in full below its threshold; the first-home buyer concession's specific sliding-scale reduction above that threshold is not reproduced — Delora shows the standard rate as a reference point and directs you to the official SRO calculator for your exact concessional figure.
Foreign purchaser surcharge: Victoria's real 8.0% additional duty (State Revenue Office Victoria, verified 29 Jul 2026) is added on top of standard duty when the foreign-purchaser box is checked.
Off-the-plan / vacant land: flagged with a note, not a separate formula — the off-the-plan concession's dutiable-value reduction is not reproduced here.
Other costs: sum of entered fee estimates, minus any First Home Owner Grant.
Default values: inspection $600, legal $1,500, loan fees $600, moving $2,000, initial repairs $0, settlement adjustments $0 — editable estimates, not fixed prices.
Excluded: lenders mortgage insurance, the off-the-plan concession's specific dutiable-value formula, strata/owners-corporation records-request fees, and exact transfer/mortgage registration fees (Land Use Victoria's fee-lookup page blocks automated requests; Delora could not fetch a verified current figure this pass) — confirm these with your conveyancer or the official SRO calculator.
Jurisdiction: Victoria only.
Last verified: 2026-07-29

Official SRO Victoria duty calculator →

This calculator provides general estimates only, not a quote, valuation or personalised financial advice. Confirm exact figures with the SRO Victoria calculator, your conveyancer and your lender before relying on them.

Sources and methodology

First home buyer duty exemption or concession — State Revenue Office Victoria (retrieved 29 Jul 2026)
First Home Owner Grant — State Revenue Office Victoria (retrieved 29 Jul 2026)
Land transfer duty – principal place of residence (current rates) — State Revenue Office Victoria (retrieved 29 Jul 2026)
Land transfer duty – non-principal place of residence (current rates) — State Revenue Office Victoria (retrieved 29 Jul 2026)
Foreign purchaser additional duty (current rates) — State Revenue Office Victoria (retrieved 29 Jul 2026)

Figures on this page are drawn from Delora's local knowledge graph, refreshed from these primary sources and checked for changes on a regular schedule. If a figure here looks out of date, the official source above is always the authority — please let us know.