Stamp Duty on £175,000 in 2026/27
On a £175,000 home in England or Northern Ireland, someone moving home pays £1,000 in Stamp Duty Land Tax in 2026/27. A first-time buyer pays £0, and a buyer who will own another home pays £9,750.
Stamp Duty to pay
£1,000
That is 0.57% of the price
| Part of the price | Rate | Tax |
|---|---|---|
| £0 to £125,000 | 0% | £0 |
| £125,000 to £175,000 | 2% | £1,000 |
| Total | £1,000 |
How this was worked out
- £0 to £125,000: £125,000 × 0% = £0
- £125,000 to £175,000: £50,000 × 2% = £1,000
- Total: £1,000
| Tax | Buyer | Total |
|---|---|---|
| Stamp Duty Land Tax | First-time buyer | £0 |
| Stamp Duty Land Tax | Moving home | £1,000 |
| Stamp Duty Land Tax | Buyer who will own more than one home | £9,750 |
| LBTT | Moving home | £600 |
| LTT | Moving home | £0 |
The tax on £175,000 is worked out in slices. Each part of £175,000 that falls in a band pays that band's rate, and the table adds the slices up to reach £1,000.
A first-time buyer at £175,000 pays £0, because the relief gives a larger slice at a nil rate. To pay £0, every buyer in a joint purchase has to be a first-time buyer, and the home has to become their main home.
A buyer who will own more than one home after buying at £175,000 usually pays the higher rates, 5% above each standard rate, which gives £9,750. Someone who sells their main home and buys a new one for £175,000 does not normally pay them, and HMRC sets time limits on that rule.
The same £175,000 home in Scotland would pay £600 in Land and Buildings Transaction Tax, and in Wales £0 in Land Transaction Tax, at the main rates for a buyer moving home. Wales has no first-time buyer relief, so a first-time buyer there also pays £0.
The figures for £175,000 assume a freehold or the premium on a lease, a wholly residential property and a buyer resident in the UK. A buyer who is not resident pays a further 2% on each rate, which the £175,000 figures leave out.
To try a price other than £175,000, use the Stamp Duty calculator. For a £175,000 home in Scotland or Wales, the LBTT calculator and the LTT calculator show each slice.