Calculate Your Stamp Duty in England or Northern Ireland
Use Numan's Stamp Duty Land Tax (SDLT) calculator to get an estimate of the amount you could pay when buying a residential property.
Whether you're a first-time buyer, moving home, or purchasing an additional property, this calculator provides an estimate based on current 2026 SDLT rules.
Stamp Duty Land Tax generally applies to freehold, leasehold, and shared ownership property purchases in England and Northern Ireland. The tax is calculated using a progressive (tiered) system, meaning different portions of the property price are taxed at different rates.
Results
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This calculation is only a guide. We can't give financial advice, so always check with an adviser. It applies to UK residents buying only.
Stamp Duty Rates for 2026
Standard Residential Rates
Purchase Price
SDLT Rate
Up to £125,000
0%
£125,001 – £250,000
2%
£250,001 – £925,000
10%
Over £1.5 million
12%
Stamp Duty is applied only to the portion of the purchase price that falls within each band, not the total property value at a single rate.
First-Time Buyer Rates (2026)
If you are buying your first property and have never owned a residential property anywhere in the world, you may be eligible for first-time buyer relief.
Purchase Price
SDLT Rate
Up to £300,000
0%
£300,001 – £500,000
5%
Over £500,000
Standard rates apply (no relief available)
First-time buyer relief is available only where the property price is £500,000 or less.
Additional Costs to Consider
If you are purchasing a second home or buy-to-let property, a 3% surcharge applies to each tax band.
Non-UK residents may need to pay an additional 2% surcharge, subject to HMRC residency rules.
Stamp Duty Land Tax does not apply in Scotland or Wales. Instead, buyers pay Land and Buildings Transaction Tax (LBTT) in Scotland or Land Transaction Tax (LTT) in Wales.
Disclaimer: This calculator provides an estimate based on legislation in force in 2026. It is intended for general information purposes only and should not be considered financial or legal advice. Your individual circumstances may affect the final amount payable. For personalised guidance, speak to your solicitor or contact a Numan adviser.
Frequently Asked Questions
Find answers to common questions about Stamp Duty Land Tax (SDLT).
