Stamp Duty on £450,000 Property 2025/26
Full SDLT breakdown for a £450,000residential property in England & Northern Ireland.
Standard Buyer
£10,000
2.22% effective
First-Time Buyer
£1,250
0.28% effective
Additional Property
£32,500
7.22% effective
Standard Buyer
| Band | Rate | Taxable | Tax |
|---|---|---|---|
| £0 – £250,000 | 0% | £250,000 | £0 |
| £250,000 – £925,000 | 5% | £200,000 | £10,000 |
| Total Stamp Duty | £10,000 | ||
Total cost with stamp duty: £460,000
First-Time Buyer
| Band | Rate | Taxable | Tax |
|---|---|---|---|
| £0 – £425,000 | 0% | £425,000 | £0 |
| £425,000 – £625,000 | 5% | £25,000 | £1,250 |
| Total Stamp Duty | £1,250 | ||
Total cost with stamp duty: £451,250
Additional Property (inc. 5% surcharge)
| Band | Rate | Taxable | Tax |
|---|---|---|---|
| £0 – £250,000 | 5% | £250,000 | £12,500 |
| £250,000 – £925,000 | 10% | £200,000 | £20,000 |
| Total Stamp Duty | £32,500 | ||
Total cost with stamp duty: £482,500
Key Facts — Stamp Duty on £450,000
Frequently Asked Questions
How much stamp duty on a £450,000 property?
A standard buyer pays £10,000 in stamp duty on a £450,000 property in 2025/26. This is an effective rate of 2.22%.
Do first-time buyers pay stamp duty on £450,000?
First-time buyers pay £1,250 stamp duty on a £450,000 property. First-time buyer relief applies to properties up to £625,000.
What is the additional property stamp duty on £450,000?
Buy-to-let and second home buyers pay £32,500 on a £450,000 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 £450,000 Property
Stamp Duty Land Tax (SDLT) is a tax you pay when buying residential property in England and Northern Ireland. On a £450,000 property, the amount you pay depends on your buyer status. Standard buyers pay £10,000, while additional property buyers (buy-to-let, second homes) pay £32,500 due to the 5% surcharge. First-time buyers pay a reduced £1,250.
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 £450,000 property is 2.22% 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