How much stamp duty do I pay on a £195,000 house?

A standard home mover pays £1,400 in Stamp Duty (an effective rate of 0.72%). A first-time buyer pays £0, while a buy-to-let or second home buyer pays £11,150 (5.72%).

Do first-time buyers pay stamp duty on £195,000?

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

When must stamp duty on £195,000 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 £195,000 House (2026/27)

Stamp Duty on a £195,000 House

Standard home buyers pay £1,400 SDLT on a £195,000 property in England and Northern Ireland (0.72% effective rate).

Standard Stamp Duty

£1,400

Effective rate: 0.72%

First-Time Buyer

£0

Full relief (saves £1,400)

Second Home / BTL

£11,150

Includes +5% surcharge (5.72%)

Non-UK Resident

£5,300

Includes +2% levy (2.72%)

Band-by-Band Calculation for £195,000

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%	£70,000	£1,400
Total Standard SDLT Liability			£1,400

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£195,000 Mortgage & Affordability Context

Estimated 10% Deposit

£19,500

Upfront cash required

Est. Monthly Mortgage

£975/mo

At ~4.5% over 25 years

Household Income Needed

~£39,000/yr

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

Upfront Total Cash

£23,899

10% Deposit + SDLT + Legal Fees

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