Stamp Duty on £325,000 Property 2025/26
Full SDLT breakdown for a £325,000residential property in England & Northern Ireland.
Standard Buyer
£3,750
1.15% effective
First-Time Buyer
£0
No stamp duty!
Additional Property
£20,000
6.15% effective
Standard Buyer
| Band | Rate | Taxable | Tax |
|---|---|---|---|
| £0 – £250,000 | 0% | £250,000 | £0 |
| £250,000 – £925,000 | 5% | £75,000 | £3,750 |
| Total Stamp Duty | £3,750 | ||
Total cost with stamp duty: £328,750
First-Time Buyer
| Band | Rate | Taxable | Tax |
|---|---|---|---|
| £0 – £425,000 | 0% | £325,000 | £0 |
| Total Stamp Duty | £0 | ||
Total cost with stamp duty: £325,000
Additional Property (inc. 5% surcharge)
| Band | Rate | Taxable | Tax |
|---|---|---|---|
| £0 – £250,000 | 5% | £250,000 | £12,500 |
| £250,000 – £925,000 | 10% | £75,000 | £7,500 |
| Total Stamp Duty | £20,000 | ||
Total cost with stamp duty: £345,000
Key Facts — Stamp Duty on £325,000
Frequently Asked Questions
How much stamp duty on a £325,000 property?
A standard buyer pays £3,750 in stamp duty on a £325,000 property in 2025/26. This is an effective rate of 1.15%.
Do first-time buyers pay stamp duty on £325,000?
First-time buyers pay no stamp duty on a £325,000 property. First-time buyer relief applies to properties up to £625,000.
What is the additional property stamp duty on £325,000?
Buy-to-let and second home buyers pay £20,000 on a £325,000 property. This includes the 5% surcharge on all bands.
When do you pay stamp duty?
Stamp duty must be paid within 14 days of completion. Your solicitor usually handles the payment on your behalf.
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How Stamp Duty Works on a £325,000 Property
Stamp Duty Land Tax (SDLT) is a tax you pay when buying residential property in England and Northern Ireland. On a £325,000 property, the amount you pay depends on your buyer status. Standard buyers pay £3,750, while additional property buyers (buy-to-let, second homes) pay £20,000 due to the 5% surcharge. First-time buyers pay nothing in stamp duty at this price.
SDLT is calculated on a tiered basis — you only pay each rate on the portion of the price within that band, similar to income tax. The effective rate on a £325,000 property is 1.15% for standard buyers. Your solicitor will typically handle the stamp duty payment and filing within 14 days of completion.
2025/26 SDLT Rates
- 0% on the first £250,000 (£425,000 for first-time buyers)
- 5% from £250,001 to £925,000
- 10% from £925,001 to £1,500,000
- 12% above £1,500,000
- Additional properties: +5% surcharge on all bands