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Stamp Duty on a £325,000 House (2026)
Moving home with a £325,000 purchase? Stamp Duty is £6,250. See first-time buyer, second-home and non-resident amounts.
1. Your purchase (England or Northern Ireland)
Stamp Duty to pay
£6,250
Effective rate 1.92%
🧭 Good to know
- Your solicitor usually files the return and pays the tax within 14 days of completion.
- First-time buyers: everyone buying must be a first-time buyer and the home must be your main residence.
- Replacing your main home? If you sell the old one within 3 years you can usually claim back the extra 5%.
- Scotland uses LBTT and Wales uses LTT, with different rates.
Rules last checked: October 2026. Residential rates from 1 April 2025 for England and Northern Ireland. Not tax advice. 🔒 Everything stays on your device.
✅ Rules last checked:
📚 Official sources: GOV.UK: SDLT residential rates
We build every tool from the official rules and re-check them when they change. Always confirm with the official source before you rely on a result.
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Stamp Duty on a £325,000 property, by buyer
If you buy a £325,000 home and are moving from another home you own, Stamp Duty is £6,250 (1.92% of the price).
As a first-time buyer you pay £1,250, saving £5,000, because there is no tax on the first £300,000. For a second home or buy-to-let the 5% surcharge brings it to £22,500.
Stamp Duty must be paid within 14 days of completion; your solicitor usually files the return for you.
| Buyer | Stamp Duty | Effective rate |
|---|---|---|
| Moving home (main home) | £6,250 | 1.92% |
| First-time buyer | £1,250 | 0.38% |
| Second home or buy-to-let | £22,500 | 6.92% |
| Non-UK resident, main home | £12,750 | 3.92% |
England and Northern Ireland rates from 1 April 2025. Scotland (LBTT) and Wales (LTT) have their own taxes.
Questions people ask
What are the Stamp Duty rates in 2026?+
In England and Northern Ireland: 0% up to £125,000, 2% from £125,001 to £250,000, 5% to £925,000, 10% to £1.5 million and 12% above. You pay each rate only on the part of the price in that band.
How much Stamp Duty do first-time buyers pay?+
Nothing on the first £300,000 and 5% from £300,001 to £500,000. If the price is over £500,000, the normal rates apply to the whole price.
What about second homes and buy-to-let?+
An extra 5 percentage points on every band for additional properties of £40,000 or more, so the rates become 5%, 7%, 10%, 15% and 17%.