# Stamp Duty Calculator England 2026 | UK Money Calcs

Source: https://calcs.andreiturcea.com/stamp-duty.html
Last updated: 2026-10-15 · Last checked against GOV.UK: 2026-10-15


**Short answer:** In England and Northern Ireland, Stamp Duty Land Tax is 0% up to £125,000, 2% to £250,000, 5% to £925,000, 10% to £1.5 million and 12% above; a £295,000 home costs £4,750. First-time buyers pay nothing up to £300,000 and 5% from £300,001 to £500,000; additional homes pay 5% on top of each band.

Last updated: 15 October 2026 · Last checked against GOV.UK: 15 October 2026 · [Markdown version](https://calcs.andreiturcea.com/stamp-duty.html.md)

**General information, not tax or financial advice.** Check GOV.UK or speak to a qualified adviser about your own situation.

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Rates from 1 April 2025: 0% up to £125k, 2% £125k–£250k, 5% £250k–£925k, 10% £925k–£1.5m, 12% above. First-time buyers pay 0% up to £300k and 5% from £300k to £500k; relief is lost above £500k. Additional homes pay 5% on top of each band.

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## What is the formula, in plain text?

SDLT is charged in slices: 0% on the first £125,000, 2% on £125,001–£250,000, 5% on £250,001–£925,000, 10% on £925,001–£1.5m and 12% above. First-time buyers (price up to £500,000): 0% up to £300,000 and 5% on £300,001–£500,000. Additional residential property: add 5 percentage points to every slice.

## What rates and thresholds apply?

| Portion of price | Standard rate | Additional property | First-time buyer (price ≤ £500,000) |
|---|---|---|---|
| Up to £125,000 | 0% | 5% | 0% |
| £125,001–£250,000 | 2% | 7% | 0% |
| £250,001–£300,000 | 5% | 10% | 0% |
| £300,001–£500,000 | 5% | 10% | 5% |
| £500,001–£925,000 | 5% | 10% | relief not available |
| £925,001–£1.5m | 10% | 15% | relief not available |
| Over £1.5m | 12% | 17% | relief not available |

## What are some worked examples?

| Price | Buyer | SDLT |
|---|---|---|
| £295,000 | Moving home (GOV.UK example) | £4,750 |
| £500,000 | First-time buyer (GOV.UK example) | £10,000 |
| £400,000 | Moving home | £10,000 |
| £250,000 | Additional property | £15,000 |
| £1,000,000 | Moving home | £43,750 |

Rates in force from 1 April 2025, checked against GOV.UK on 15 October 2026. Not covered: the 2% non-UK-resident surcharge, leasehold rent (net present value), companies, and Scotland (LBTT) or Wales (LTT).

GOV.UK sources (checked 15 October 2026): [https://www.gov.uk/stamp-duty-land-tax/residential-property-rates](https://www.gov.uk/stamp-duty-land-tax/residential-property-rates)

Machine-readable rates: [api/rates-2026-27.json](https://calcs.andreiturcea.com/api/rates-2026-27.json).

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Disclaimer: estimates for information only, not financial, tax or legal advice.