Stamp Duty CalculatorStamp Duty on a £300,000 House
What you'll pay in 2026 — for each buyer type, with the full band-by-band maths.
On a £300,000 home purchase in England or Northern Ireland in 2026, Stamp Duty Land Tax (SDLT) ranges from £0 (first-time buyer) through £5,000 (standard home mover) to £20,000 (additional property / buy-to-let). The exact figure depends on who you are and what you're buying. This price point captures the typical family home mover in most of the UK outside London.
The headline numbers at £300,000
| Buyer type | SDLT | Effective rate |
|---|---|---|
| First-time buyer | £0 | 0.00% |
| Standard home mover | £5,000 | 1.67% |
| Additional property (2nd home / BTL) | £20,000 | 6.67% |
Non-UK residents add 2% to every band in any of the categories above, giving an effective non-resident standard SDLT of approximately £11,000 on this price.
First-time buyer at £300,000
First-time buyers pay nothing on a £300,000 home. The FTB nil-rate band runs up to £300,000.
Band-by-band:
| Slice | Rate | SDLT |
|---|---|---|
| £0-£300,000 | 0% | £0 |
| Total | £0 |
Standard home mover at £300,000
A standard home mover — someone who has bought before but is replacing their main residence — pays £5,000 on this price. The nil-rate band covers the first £125,000; the 2% band runs from £125,001 to £250,000; the 5% band from £250,001 to £925,000; the 10% band from £925,001 to £1,500,000; the 12% band above £1,500,000.
Band-by-band:
| Slice | Rate | SDLT |
|---|---|---|
| £0-£125,000 | 0% | £0 |
| £125,000-£250,000 | 2% | £2,500 |
| £250,000-£300,000 | 5% | £2,500 |
| Total | £5,000 |
Additional property at £300,000
Buying a £300,000 home as a second home or buy-to-let attracts the 5% additional-property surcharge on top of the standard SDLT. Total: £20,000 — an extra £15,000 compared with a standard home mover. Read the second home guide for edge cases (replacement of main residence, inherited property, non-UK resident interaction).
Band-by-band:
| Slice | Rate | SDLT |
|---|---|---|
| £0-£125,000 | 5% | £6,250 |
| £125,000-£250,000 | 7% | £8,750 |
| £250,000-£300,000 | 10% | £5,000 |
| Total | £20,000 |
Who typically buys at £300,000?
£300,000 is a common price point for the typical family home mover in most of the UK outside London. At this price you'd expect a mid-sized family home in the Midlands or North; a smaller flat or terraced house in London and the South East; or a stretch first-time buyer purchase in commuter-belt areas. Use the affordability calculator and mortgage repayment calculator to model the full monthly cost.
Buyer profile at £300,000
£300,000 is a common purchase price for second-time buyer families upgrading from a first flat, and higher-earning first-time buyer couples, particularly in Southern Bath, Cheltenham, Windsor commuter fringe, and outer Manchester (Didsbury, Chorlton). Typical property stock at this price includes three or four-bed detached family homes, converted period properties, prime new-build apartments. On the financing side, a 85% LTV mortgage of £255,000 at 5.0% over 25 years costs about £1,489/month, and a 15% deposit is £45,000; buyers typically fund this from previous-home equity or family gift.
Practical wisdom at this price point: At £300k, the FTB SDLT saving is £5,000 vs standard buyers — a genuinely material advantage. But if you are buying jointly and your partner has ever owned any residential property anywhere in the world, you lose FTB relief entirely and pay the full £5,000. This is the rule that catches most joint FTB purchases at this price.
Threshold context at this price
The SDLT thresholds most relevant at £300,000:
- £125,000 — start of the 2% standard band
- £250,000 — start of the 5% standard band
- £300,000 — first-time buyer relief nil-rate ceiling
- £500,000 — first-time buyer relief cut-off
- £925,000 — start of the 10% standard band
- £1,500,000 — start of the 12% standard band
Beyond SDLT: the total cost to complete
SDLT is only one line item in the total cost to complete on a £300,000 home. Typical additional costs:
- Conveyancing legal fees: £900-£1,800 + VAT — use the conveyancing fees calculator or compare two quotes with the conveyancing comparison calculator
- Search pack: £280-£420
- Land Registry fee: £200
- Survey: £400-£1,200 depending on level
- Mortgage arrangement / valuation fee: £0-£1,500
- Removals: £500-£2,500
- Moving-day essentials: allow £500-£1,500 buffer
The moving costs calculator and the home buying cost calculator aggregate the whole cost stack alongside SDLT. Budget the total — not just the SDLT — before setting your maximum offer.
Calculate variations
Bring the exact figures into your own scenario:
- Standard SDLT calculator — main-residence purchases
- First-time buyer SDLT calculator — with relief applied automatically
- Buy-to-let SDLT calculator — additional-property surcharge included
- Second home SDLT calculator
- Non-UK resident SDLT calculator
- SDLT refund calculator — if replacing your main residence
Nearby price bands
Popular calculators
Related reading
Sources
Rates last verified against HMRC: 24 June 2026.