Estimate Stamp Duty Land Tax on a residential purchase in England & Northern Ireland.
First-time buyer relief applies when buying your first ever home up to £500,000. Above that, standard rates apply.
Effective rate: 2.78% of the purchase price.
| Band | Rate | Tax |
|---|---|---|
| £0 – £125,000 | 0% | £0 |
| £125,000 – £250,000 | 2% | £2,500 |
| £250,000 – £450,000 | 5% | £10,000 |
Results are estimates for informational purposes only. Not financial advice.
Stamp duty (Stamp Duty Land Tax in the UK) is a tax paid by the buyer on residential property purchases above certain thresholds. It's calculated in tiered bands — you pay a percentage on each slice of the price within each band, not a flat rate on the whole price. First-time buyers, second-home owners, and non-residents face different rates and reliefs.
Enter the property purchase price and select your buyer status (first-time buyer, mover, or additional property). The calculator returns the stamp duty owed, the breakdown by band, and the effective rate. Always run this number before making an offer — stamp duty can add 3–10%+ to your upfront cost on top of deposit, legal fees, and survey costs.
First-time buyers in England and Northern Ireland pay no stamp duty on the first £425,000 (with reduced rates up to £625,000), which can save up to £11,250. On the other side, buying a second home or buy-to-let property adds a 3% surcharge on every band — turning a £20,000 bill into £35,000. Non-resident buyers pay a further 2% on top. Always model your exact circumstances before assuming a headline rate, because reliefs and surcharges can swing the bill by tens of thousands.
Results are estimates for informational purposes only.