Stamp Duty Rates 2026 Calculator
Estimate your Stamp Duty Land Tax (SDLT) bill for England and Northern Ireland in 2026, including first-time buyer relief and additional property surcharges.
Calculate Your 2026 Stamp Duty
Enter the purchase price and select your buyer type to instantly see an estimated SDLT bill, with a full breakdown of how each band is taxed.
Stamp Duty Estimator
Get a clear breakdown of your SDLT liability by band.
How it Works
Understanding your 2026 SDLT bill
Enter the Price
Type in the full purchase price of the property or land you’re buying in England or Northern Ireland.
Select Buyer Type
Choose whether you’re a standard buyer, a first-time buyer, or purchasing an additional property.
Bands Are Applied
SDLT is tiered, so each portion of the price falling within a band is taxed at that band’s rate, not the whole price at once.
Get Your Estimate
See your total estimated Stamp Duty, along with a full band-by-band breakdown of how the figure was reached.
2026 Stamp Duty Rate Bands
Standard residential SDLT bands for England and Northern Ireland, in effect since 1 April 2025 and unchanged through 2026.
| Property Price Portion | Standard Rate | Additional Property Rate |
|---|---|---|
| Up to £125,000 | 0% | 5% |
| £125,001 – £250,000 | 2% | 7% |
| £250,001 – £925,000 | 5% | 10% |
| £925,001 – £1.5 million | 10% | 15% |
| Over £1.5 million | 12% | 17% |
First-time buyers purchasing a property up to £500,000 receive relief on part of the price:
| Property Price Portion | First-Time Buyer Rate | Notes |
|---|---|---|
| Up to £300,000 | 0% | No Stamp Duty due on this portion. |
| £300,001 – £500,000 | 5% | Charged only on the portion above £300,000. |
| Over £500,000 | Standard rates apply | First-time buyer relief no longer applies at all. |
Stamp Duty FAQ
Answers to the most frequently asked questions about Stamp Duty Land Tax rates, thresholds, and reliefs in 2026.
For standard residential purchases in England and Northern Ireland in 2026, Stamp Duty Land Tax is charged at 0% up to £125,000, 2% on the portion between £125,001 and £250,000, 5% between £250,001 and £925,000, 10% between £925,001 and £1.5 million, and 12% above £1.5 million.
First-time buyers pay no Stamp Duty on properties up to £300,000. On the portion of the price between £300,001 and £500,000, they pay 5%. If the property costs more than £500,000, first-time buyer relief no longer applies and standard residential rates are charged on the full amount instead.
Buyers purchasing an additional residential property, such as a second home or buy-to-let, pay a 5% surcharge on top of the standard Stamp Duty rates. This surcharge applies across each band and affects both UK residents and overseas buyers.
The current Stamp Duty thresholds took effect on 1 April 2025, when temporary lower thresholds introduced in 2022 were removed. These rates and bands remain in place throughout 2026, with no further changes announced.