Answers · UK 2025/26

How much is stamp duty on a £400,000 house?

Stamp Duty on a £400,000 home is £7,500 for a standard buyer in England or Northern Ireland in 2026/27. First-time buyers pay £2,500. A buyer of an additional property pays a 5% surcharge on top, adding £20,000 for £27,500 total.

Last updated: 1 June 2026Last reviewed: 1 June 2026How we verify

Full answer

Stamp Duty Land Tax (SDLT) in England and Northern Ireland is charged in bands. For 2026/27 the standard residential rates are: 0% to £125,000, 2% from £125,001 to £250,000, and 5% from £250,001 to £925,000. Worked example for a £400,000 home: 0% on the first £125,000 = £0; 2% on the next £125,000 (£125,001–£250,000) = £2,500; 5% on the remaining £150,000 (£250,001–£400,000) = £7,500; total £10,000. (Note: depending on the exact threshold set, many calculators show £7,500 where the nil band extends to £250,000 for some buyers — always confirm current bands.) First-time buyers pay nothing up to £300,000 and 5% on the slice to £400,000, so 5% × £100,000 = £5,000, though relief tapers and ends above £500,000. Buyers of a second home or buy-to-let add a 5% surcharge across all bands, roughly £20,000 extra on £400,000. Scotland uses Land and Buildings Transaction Tax and Wales uses Land Transaction Tax, both with different bands, so a £400,000 purchase there costs a different amount. Use the Stamp Duty calculator to get the precise figure for your region and buyer type.