How much stamp duty do I pay on a £160,000 house?

A standard home mover pays £700 in Stamp Duty (an effective rate of 0.44%). A first-time buyer pays £0, while a buy-to-let or second home buyer pays £8,700 (5.44%).

Do first-time buyers pay stamp duty on £160,000?

No, first-time buyers pay £0 stamp duty under First-Time Buyer Relief in England and Northern Ireland.

When must stamp duty on £160,000 be paid?

SDLT must be filed and paid to HMRC within 14 days of property completion. Typically, your conveyancing solicitor manages this payment.

Stamp Duty on £160,000 House (2026/27)

Stamp Duty on a £160,000 House

Standard home buyers pay £700 SDLT on a £160,000 property in England and Northern Ireland (0.44% effective rate).

Standard Stamp Duty

£700

Effective rate: 0.44%

First-Time Buyer

£0

Full relief (saves £700)

Second Home / BTL

£8,700

Includes +5% surcharge (5.44%)

Non-UK Resident

£3,900

Includes +2% levy (2.44%)

Band-by-Band Calculation for £160,000

SDLT is calculated in stepped progressive slices across each statutory rate band:

SDLT Band	Statutory Rate	Taxable Portion	SDLT Due
Up to £125,000	0%	£125,000	£0
£125,001 to £250,000	2%	£35,000	£700
Total Standard SDLT Liability			£700

Customise in Full Stamp Duty Calculator →

£160,000 Mortgage & Affordability Context

Estimated 10% Deposit

£16,000

Upfront cash required

Est. Monthly Mortgage

£800/mo

At ~4.5% over 25 years

Household Income Needed

~£32,000/yr

At typical 4.5x lending cap (Take-Home Pay Guide)

Upfront Total Cash

£19,699

10% Deposit + SDLT + Legal Fees

Compare Nearby Property Prices

Nearby Tiers: £150k • £155k • £160k • £165k • £170k • £175k

Core Milestones: £150k • £250k • £300k • £350k • £400k • £500k