How much is stamp duty on a £400,000 house?
Stamp duty on a £400,000 house is £10,000 for a home mover, or £5,000 for a first-time buyer — the relief still applies since £400,000 is below the £500,000 ceiling, so only the amount above £300,000 is taxed.
How this is calculated
- ·England / Northern Ireland rates (Scotland and Wales have separate systems)
- ·2026/27 SDLT thresholds
- ·Main residence, not an additional property
- ·Purchase completed as a single transaction
£400,000 stamp duty by buyer type
| Buyer type | Stamp duty |
|---|---|
| First-time buyer | £5,000 |
| Home mover | £10,000 |
| Additional property (+5%) | £30,000 |
Stamp duty by buyer type
Frequently Asked Questions
Do first-time buyers save money on a £400,000 house?
Yes — a first-time buyer pays £5,000 versus £10,000 for a home mover, a saving of £5,000, because the first £300,000 is tax-free under the relief.
What if the price is over £500,000?
First-time buyer relief stops applying entirely above £500,000 — you'd pay standard rates on the full amount, not just lose the relief on the portion above £500,000.
How is stamp duty actually paid?
Your solicitor or conveyancer normally calculates and pays it as part of completion, then adds it to your completion statement — you don't deal with HMRC directly.
The Calculator App Editorial Team · 25+ Years UK Financial Services
Official Sources
More Most Searched
The Calculator App Editorial Team · 25+ Years UK Financial Services
Important Information
This calculator is for informational purposes only and does not constitute financial advice or a personal recommendation.
Results are estimates based on the information you provide and may not reflect your actual financial position.
You should consider seeking independent professional advice tailored to your specific circumstances before making any financial decision.