How much stamp duty do I pay on a £170,000 house?

A standard home mover pays £900 in Stamp Duty (an effective rate of 0.53%). A first-time buyer pays £0, while a buy-to-let or second home buyer pays £9,400 (5.53%).

Do first-time buyers pay stamp duty on £170,000?

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

When must stamp duty on £170,000 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 £170,000 House (2026/27)

Stamp Duty on a £170,000 House

Standard home buyers pay £900 SDLT on a £170,000 property in England and Northern Ireland (0.53% effective rate).

Standard Stamp Duty

£900

Effective rate: 0.53%

First-Time Buyer

£0

Full relief (saves £900)

Second Home / BTL

£9,400

Includes +5% surcharge (5.53%)

Non-UK Resident

£4,300

Includes +2% levy (2.53%)

Band-by-Band Calculation for £170,000

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%	£45,000	£900
Total Standard SDLT Liability			£900

Customise in Full Stamp Duty Calculator →

£170,000 Mortgage & Affordability Context

Estimated 10% Deposit

£17,000

Upfront cash required

Est. Monthly Mortgage

£850/mo

At ~4.5% over 25 years

Household Income Needed

~£34,000/yr

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

Upfront Total Cash

£20,899

10% Deposit + SDLT + Legal Fees

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