Home & mortgage
Stamp Duty Calculator
Work out stamp duty or transfer tax on a home, with first-time buyer relief and second-home and foreign buyer surcharges, by country, state or province.
Stamp Duty Land Tax to pay
£4,500.00
1.55% of £290,000.00 in England
Stamp Duty Land Tax: how it was worked out
Residential rates in force since 1 April 2025. First-time buyers pay nothing up to 300,000 and 5% from there to 500,000, with no relief above 500,000.
- 0% of £125,000.00£0.00
- 2% of £125,000.00 from £125,000.00£2,500.00
- 5% of £40,000.00 from £250,000.00£2,000.00
Effective rate
1.55%
of the £290,000.00 price
A standard buyer would pay
£4,500.00
a resident buying a home to live in
Price plus tax
£294,500.00
before legal and other fees
England rates. An estimate, not financial advice, providers may calculate differently.
How the bill is made up
| Charge | To pay |
|---|---|
| Stamp Duty Land Tax | £4,500.00 |
- You
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How this is calculated
The calculator applies the scale of the country, state, province or nation you pick to the price, adds any surcharge your situation triggers, such as a second home, a foreign or non-resident buyer or a city's own tax, and then takes off any relief you qualify for. Most scales charge each slice of the price at its own rate, a few charge one rate on the whole value, and each tax office's own rounding is followed. The standard buyer beside your figure is a resident buying a home to live in, so the gap between the two is what your circumstances are worth or cost.
TaxΣ (slice × band rate) + surcharges − reliefs
- slice
- the part of the price inside one band
- surcharges
- the extra charges your circumstances add
- reliefs
- what a first-time buyer or new-home relief takes off
What this does not include
- Legal, conveyancing, notary and land registry fees, which are not taxes and vary by firm.
- City and county add-ons that vary locally, outside the few cities the picker names.
- Commercial, mixed-use and multi-dwelling purchases, which are taxed on other scales.
- Income tests, residence periods and repayment rules attached to reliefs: the tax office decides those.
- Grants paid to first home buyers, which are cash rather than a lower tax.
- Annual property tax after you buy; the mortgage calculator counts it with running costs.
How this calculator works
Stamp duty guide: bands, reliefs, surcharges and who pays. How stamp duty and transfer taxes are worked out, from marginal bands to slab rates, with first-time buyer relief, surcharges and a 295,000 example.
This calculator by region
Where the rules change the answer, a place has its own page that runs the calculator on them and cites the official sources they came from.
Data sources
| Dataset | Authority | Effective | Status |
|---|---|---|---|
| United States real estate transfer taxes by state | Code of Alabama 40-22-1 | Within its effective period | |
| UK property transfer taxes: SDLT, LBTT and LTT | GOV.UK | Within its effective period | |
| German Grunderwerbsteuer by Land | Grunderwerbsteuergesetz section 11 | Within its effective period | |
| Canadian land transfer tax and registration fees by province and territory | Ontario Ministry of Finance | Within its effective period | |
| Australian stamp duty by state and territory | Revenue NSW | Within its effective period | |
| Irish stamp duty on residential property | Revenue | Within its effective period | |
| Dutch overdrachtsbelasting on homes | Belastingdienst | Within its effective period | |
| New Zealand: no stamp duty on buying a home | Inland Revenue | Within its effective period | |
| Swedish stamp duty on buying a house | Lantmateriet | Within its effective period | |
| Indian stamp duty and registration fees by state | Maharashtra Law and Judiciary Department | Within its effective period | |
| Sri Lankan stamp duty on a deed of transfer | Inland Revenue Department | Within its effective period | |
| Finnish transfer tax on buying a home | Vero.fi | Within its effective period | |
| Japanese registration and licence tax and real estate acquisition tax on buying a home | National Tax Agency | Within its effective period | |
| French droits de mutation a titre onereux on a home | DGFiP | Within its effective period | |
| Spanish ITP and AJD on buying a home, by comunidad autonoma | Ministerio de Hacienda | Within its effective period |
Every document each dataset was read from, its notes and how the figures were checked are listed in the guide's data sources.
This calculator is for general information only and is not financial advice. Results are estimates based on the figures you enter and the stated formula; lenders and providers may round or calculate differently. Check any decision with the institution involved or a qualified adviser.