How much stamp duty do I pay on a £190,000 house?

A standard home mover pays £1,300 in Stamp Duty (an effective rate of 0.68%). A first-time buyer pays £0, while a buy-to-let or second home buyer pays £10,800 (5.68%).

Do first-time buyers pay stamp duty on £190,000?

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

When must stamp duty on £190,000 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 £190,000 House (2026/27)

Stamp Duty on a £190,000 House

Standard home buyers pay £1,300 SDLT on a £190,000 property in England and Northern Ireland (0.68% effective rate).

Standard Stamp Duty

£1,300

Effective rate: 0.68%

First-Time Buyer

£0

Full relief (saves £1,300)

Second Home / BTL

£10,800

Includes +5% surcharge (5.68%)

Non-UK Resident

£5,100

Includes +2% levy (2.68%)

Band-by-Band Calculation for £190,000

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%	£65,000	£1,300
Total Standard SDLT Liability			£1,300

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£190,000 Mortgage & Affordability Context

Estimated 10% Deposit

£19,000

Upfront cash required

Est. Monthly Mortgage

£950/mo

At ~4.5% over 25 years

Household Income Needed

~£38,000/yr

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

Upfront Total Cash

£23,299

10% Deposit + SDLT + Legal Fees

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