Stamp duty on £325,000
On a £325,000 home in England or Northern Ireland, stamp duty is £6,250 if you are moving home, and £1,250 if you are a first-time buyer.
Rates from GOV.UK, Revenue Scotland and the Welsh Revenue Authority, checked 13 November 2026.
Result
On a £325,000 home in England or Northern Ireland, as a home mover, the stamp duty is £6,250.
stamp duty to pay
| Up to £125,000 at 0% | £0.00 |
|---|---|
| £125,001 to £250,000 at 2% | £2,500.00 |
| £250,001 to £925,000 at 5% | £3,750.00 |
| Effective rate | 1.92% |
The same price in Scotland: £5,850 and Wales: £6,000.
Show the workings
| Step | Sum | Answer |
|---|---|---|
| Up to £125,000 | £125,000 × 0% | £0.00 |
| £125,001 to £250,000 | £125,000 × 2% | £2,500.00 |
| £250,001 to £925,000 | £75,000 × 5% | £3,750.00 |
| Total | the parts added up, rounded down to the pound | £6,250.00 |
What this leaves out or assumes
- For a residential property in England or Northern Ireland, bought outright by an individual. Shared ownership, companies, leases and linked purchases have their own rules.
- You pay it within 14 days of completion. A solicitor or conveyancer usually pays it for you.
Where the figures come from
- Stamp Duty Land Tax: rate in band 1: 0%. Source: GOV.UK: Stamp Duty Land Tax, residential property rates. Checked 13 November 2026.
- Stamp Duty Land Tax: top of band 1: £125,000. Source: GOV.UK: Stamp Duty Land Tax, residential property rates. Checked 13 November 2026.
- Stamp Duty Land Tax: rate in band 2: 2%. Source: GOV.UK: Stamp Duty Land Tax, residential property rates. Checked 13 November 2026.
- Stamp Duty Land Tax: top of band 2: £250,000. Source: GOV.UK: Stamp Duty Land Tax, residential property rates. Checked 13 November 2026.
- Stamp Duty Land Tax: rate in band 3: 5%. Source: GOV.UK: Stamp Duty Land Tax, residential property rates. Checked 13 November 2026.
- Stamp Duty Land Tax: top of band 3: £925,000. Source: GOV.UK: Stamp Duty Land Tax, residential property rates. Checked 13 November 2026.
- Stamp Duty Land Tax: rate in band 4: 10%. Source: GOV.UK: Stamp Duty Land Tax, residential property rates. Checked 13 November 2026.
- Stamp Duty Land Tax: top of band 4: £1,500,000. Source: GOV.UK: Stamp Duty Land Tax, residential property rates. Checked 13 November 2026.
- Stamp Duty Land Tax: rate in band 5: 12%. Source: GOV.UK: Stamp Duty Land Tax, residential property rates. Checked 13 November 2026.
Stamp duty on £325,000 for every buyer
| Buyer | England and NI | Scotland | Wales |
|---|---|---|---|
| Moving home | £6,250 | £5,850 | £6,000 |
| First-time buyer | £1,250 | £5,250 | £6,000 |
| Second home or buy-to-let | £22,500 | £31,850 | £22,450 |
| Not a UK resident | £12,750 | n/a | n/a |
How it is worked out
For a home mover in England or Northern Ireland, £325,000 is taxed in parts:
- the first £125,000: £125,000 at 0% = £0
- £125,001 to £250,000: £125,000 at 2% = £2,500
- £250,001 to £925,000: £75,000 at 5% = £3,750
That is 1.92% of the price in total. First-time buyers save £5,000.
Other costs at £325,000
HM Land Registry's fee to register the purchase is £150 when your conveyancer applies online. Land Registry fees.