How much stamp duty do I pay on a £220,000 house?

A standard home mover pays £1,900 in Stamp Duty (an effective rate of 0.86%). A first-time buyer pays £0, while a buy-to-let or second home buyer pays £12,900 (5.86%).

Do first-time buyers pay stamp duty on £220,000?

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

When must stamp duty on £220,000 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 £220,000 House (2026/27)

Stamp Duty on a £220,000 House

Standard home buyers pay £1,900 SDLT on a £220,000 property in England and Northern Ireland (0.86% effective rate).

Standard Stamp Duty

£1,900

Effective rate: 0.86%

First-Time Buyer

£0

Full relief (saves £1,900)

Second Home / BTL

£12,900

Includes +5% surcharge (5.86%)

Non-UK Resident

£6,300

Includes +2% levy (2.86%)

Band-by-Band Calculation for £220,000

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%	£95,000	£1,900
Total Standard SDLT Liability			£1,900

Customise in Full Stamp Duty Calculator →

£220,000 Mortgage & Affordability Context

Estimated 10% Deposit

£22,000

Upfront cash required

Est. Monthly Mortgage

£1,101/mo

At ~4.5% over 25 years

Household Income Needed

~£44,000/yr

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

Upfront Total Cash

£26,899

10% Deposit + SDLT + Legal Fees

Compare Nearby Property Prices

Nearby Tiers: £205k • £210k • £215k • £220k • £225k • £230k • £235k

Core Milestones: £150k • £250k • £300k • £350k • £400k • £500k