How much stamp duty do I pay on a £185,000 house?

A standard home mover pays £1,200 in Stamp Duty (an effective rate of 0.65%). A first-time buyer pays £0, while a buy-to-let or second home buyer pays £10,450 (5.65%).

Do first-time buyers pay stamp duty on £185,000?

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

When must stamp duty on £185,000 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 £185,000 House (2026/27)

Stamp Duty on a £185,000 House

Standard home buyers pay £1,200 SDLT on a £185,000 property in England and Northern Ireland (0.65% effective rate).

Standard Stamp Duty

£1,200

Effective rate: 0.65%

First-Time Buyer

£0

Full relief (saves £1,200)

Second Home / BTL

£10,450

Includes +5% surcharge (5.65%)

Non-UK Resident

£4,900

Includes +2% levy (2.65%)

Band-by-Band Calculation for £185,000

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%	£60,000	£1,200
Total Standard SDLT Liability			£1,200

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£185,000 Mortgage & Affordability Context

Estimated 10% Deposit

£18,500

Upfront cash required

Est. Monthly Mortgage

£925/mo

At ~4.5% over 25 years

Household Income Needed

~£37,000/yr

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

Upfront Total Cash

£22,699

10% Deposit + SDLT + Legal Fees

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