UK Stamp Duty Calculator
Calculate UK Stamp Duty Land Tax (SDLT) on any property price — standard, first-time buyer, or second home.
Last updated: 2026-07-25
Replacing your main residence
Your Stamp Duty
£2,500
Effective rate: 0.8% of property price
📊 See band-by-band breakdown
| Property price band | Rate | Tax in band |
|---|---|---|
| £0 – £250,000 | 0% | £0 |
| £250,000 – £925,000 | 5% | £2,500 |
| Total Stamp Duty | £2,500 | |
🔒Calculated in your browser. For estimation only — confirm with your solicitor for completion.
Stamp Duty Land Tax (SDLT) is one of the biggest upfront costs when buying a UK property — and it changes depending on whether you're a first-time buyer, moving home, or buying a second property. This calculator shows exactly how much you will owe at completion, with a band-by-band breakdown.
Stamp Duty explained: what you actually pay
Stamp Duty Land Tax (SDLT) is charged when you buy a home in England or Northern Ireland, not when you sell. The rates are marginal: you only pay each band's rate on the portion of the price that falls within it, not on the whole price.
From 2026 the standard bands are: 0% up to £250,000, 5% on £250k–£925k, 10% on £925k–£1.5m, and 12% above £1.5m. So a £300,000 home pays 0% on the first £250,000 and 5% on the remaining £50,000 — £2,500 in total, not £15,000.
First-time buyers get relief: 0% up to £425,000 (instead of £250,000), saving up to £8,750. Second homes and buy-to-lets pay an extra 3% surcharge on every band. Scotland uses a different tax, LBTT, and Wales uses LTT.
If you are selling and buying at the same time, you only pay SDLT on the home you buy — the sale itself is stamp-duty free. For more on selling, see our guide below.
Frequently asked questions
How much is Stamp Duty in the UK?
From 2026, Standard rate: 0% on the first £250,000, 5% on £250k–£925k, 10% on £925k–£1.5m, 12% above £1.5m. First-time buyers pay 0% up to £425,000 (if the property is £625,000 or less). Second homes and buy-to-let pay a 3% surcharge on every band.
When do I pay Stamp Duty?
You must pay SDLT within 14 days of completion. Your solicitor usually handles this and adds it to your completion statement. If you're late filing or paying, HMRC charges penalties and interest.
Do first-time buyers pay Stamp Duty?
First-time buyers pay 0% on the first £425,000, then 5% on £425k–£625k. If the property costs more than £625,000, first-time buyer relief does not apply — you pay standard rates. This can save up to £8,750.
→ More: Complete Stamp Duty guide — full rate table, first-time buyer relief & Scotland LBTT
Related tools
Also try: UK Stamp Duty — Complete Guide & Calculator · Scotland LBTT Calculator · Stamp Duty When Selling a House · UK House Buying Tax — The Complete Guide