Stamp Duty Calculator

England & Northern Ireland · Residential purchases

Calculate your stamp duty

Current residential band estimate for one freehold home costing £40,000 or more. See the scope notes below.

Where is the property? Purchase price (£)

Enter the full price in whole pounds, not your deposit. Commas and the £ sign are fine.

Which treatment applies? Standard residential rates Eligible first-time buyer Relief on prices up to £500,000 Additional property higher rates ie BTL Adds 5% to every band

Applies to the whole transaction. Read the eligibility notes below if buying jointly, replacing a main home or owning property overseas.

Does the 2% non-UK resident surcharge apply?

Use your SDLT residence status, not nationality or income tax residence status.

Rates checked: 21 October 2026. Not a historical rate calculator. Future purchases depend on rates then in force.

Your estimated SDLT

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Effective tax rate —

Price + SDLT —

Band-by-band breakdown
Price band	Taxable portion	Rate	Tax
Total estimated SDLT			—

Price + SDLT excludes legal fees, mortgage costs and other purchase expenses. Figures show an estimate before any whole-pound rounding required for the tax return.

Before using your result

First-time buyer eligibility

All buyers must qualify as first-time buyers and intend to occupy the property as their only or main residence. Previous residential ownership anywhere in the world, including ownership acquired by gift or inheritance, can prevent eligibility.

Relief applies only where the purchase price is £500,000 or less. Above that, this calculator uses standard rates. Relief is unavailable where additional property higher rates apply i.e BTL

Additional properties and replacing your main home

Existing property interests worldwide can count. A spouse's or civil partner's ownership may count even if they are not buying with you, unless permanently separated. If any joint buyer triggers the higher rates, they generally apply to the whole purchase.

A qualifying replacement of a main residence can avoid the higher rates. Merely intending to sell your old home later does not remove the upfront charge. A later qualifying disposal can allow a refund.

This tool does not determine whether the replacement rules, ownership thresholds or other exceptions apply. Select “Additional-property higher rates” only after establishing the correct treatment.

Non-UK resident surcharge

SDLT has its own residence tests. Joint buyers and married couples have specific rules. The surcharge adds two percentage points to the applicable residential bands, including first-time buyer bands.

This tool calculates the surcharge where selected; it does not determine residence status or eligibility for a later refund.

Transactions this version does not cover

Scotland (LBTT) or Wales (LTT); leasehold purchases; company-specific rates or reliefs; LLPs, partnerships or trusts; shared ownership; mixed-use or commercial property; multiple dwellings; linked transactions; gifts, equity transfers or mortgage-debt consideration; special exemptions or reliefs other than first-time buyer relief; historical or transitional-rate cases.

The Ltd company option labels a residential higher-rate estimate only; it does not establish the correct tax treatment for a company. Do not use this result to assess an LLP-to-company incorporation or a connected-company property transfer.