How much stamp duty do I pay on a £210,000 house?

A standard home mover pays £1,700 in Stamp Duty (an effective rate of 0.81%). A first-time buyer pays £0, while a buy-to-let or second home buyer pays £12,200 (5.81%).

Do first-time buyers pay stamp duty on £210,000?

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

When must stamp duty on £210,000 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 £210,000 House (2026/27)

Stamp Duty on a £210,000 House

Standard home buyers pay £1,700 SDLT on a £210,000 property in England and Northern Ireland (0.81% effective rate).

Standard Stamp Duty

£1,700

Effective rate: 0.81%

First-Time Buyer

£0

Full relief (saves £1,700)

Second Home / BTL

£12,200

Includes +5% surcharge (5.81%)

Non-UK Resident

£5,900

Includes +2% levy (2.81%)

Band-by-Band Calculation for £210,000

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%	£85,000	£1,700
Total Standard SDLT Liability			£1,700

Customise in Full Stamp Duty Calculator →

£210,000 Mortgage & Affordability Context

Estimated 10% Deposit

£21,000

Upfront cash required

Est. Monthly Mortgage

£1,051/mo

At ~4.5% over 25 years

Household Income Needed

~£42,000/yr

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

Upfront Total Cash

£25,699

10% Deposit + SDLT + Legal Fees

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