How much stamp duty do I pay on a £255,000 house?

A standard home mover pays £2,750 in Stamp Duty (an effective rate of 1.08%). A first-time buyer pays £0, while a buy-to-let or second home buyer pays £15,500 (6.08%).

Do first-time buyers pay stamp duty on £255,000?

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

When must stamp duty on £255,000 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 £255,000 House (2026/27)

Band-by-Band Calculation for £255,000

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%	£125,000	£2,500
£250,001 to £925,000	5%	£5,000	£250
Total Standard SDLT Liability			£2,750

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£255,000 Mortgage & Affordability Context

Estimated 10% Deposit

£25,500

Upfront cash required

Est. Monthly Mortgage

£1,276/mo

At ~4.5% over 25 years

Household Income Needed

~£51,000/yr

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

Upfront Total Cash

£31,249

10% Deposit + SDLT + Legal Fees

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