Stamp Duty on a £450,000 home in England or Northern Ireland is £12,500 if you are moving home, £7,500 for a first-time buyer, and £35,000 for a second home or buy-to-let property.
Stamp Duty on £450,000 (moving home)
£12,500
- First-time buyer
- £7,500
- Second home
- £35,000
- Effective rate
- 2.78%
Stamp Duty on £450,000 for each type of buyer
| Buyer | Stamp Duty | Share of price |
|---|---|---|
| Moving home (replacing your main home) | £12,500 | 2.78% |
| First-time buyer | £7,500 | 1.67% |
| Second home or buy-to-let | £35,000 | 7.78% |
| Non-UK resident, moving home | £21,500 | 4.78% |
| Non-UK resident, first-time buyer | £16,500 | 3.67% |
| Non-UK resident, second home | £44,000 | 9.78% |
How Stamp Duty on £450,000 is worked out
Stamp Duty is charged in slices, like income tax: each rate only applies to the part of the price inside its band. For a home mover buying at £450,000:
| Price band | Rate | Tax |
|---|---|---|
| £0 to £125,000 | 0% | £0 |
| £125,000 to £250,000 | 2% | £2,500 |
| £250,000 to £450,000 | 5% | £10,000 |
| Total | £12,500 |
First-time buyer relief on £450,000
| Price band | Rate | Tax |
|---|---|---|
| £0 to £300,000 | 0% | £0 |
| £300,000 to £450,000 | 5% | £7,500 |
| Total | £7,500 |
First-time buyer relief saves you £5,000 compared with a home mover at this price.
Compare nearby prices
| Price | Moving home | First-time buyer | Second home |
|---|---|---|---|
| £375,000 | £8,750 | £3,750 | £27,500 |
| £400,000 | £10,000 | £5,000 | £30,000 |
| £425,000 | £11,250 | £6,250 | £32,500 |
| £450,000 | £12,500 | £7,500 | £35,000 |
| £475,000 | £13,750 | £8,750 | £37,500 |
| £500,000 | £15,000 | £10,000 | £40,000 |
| £550,000 | £17,500 | £17,500 | £45,000 |
Change the numbers
Frequently asked questions
How much is Stamp Duty on a £450,000 house?
If you are moving home, Stamp Duty on a £450,000 house is £12,500, about 2.8% of the price, in England and Northern Ireland.
Do first-time buyers pay Stamp Duty on £450,000?
Yes, but less. A first-time buyer pays £7,500 on a £450,000 home: nothing on the first £300,000 and 5% on the remaining £150,000.
How much Stamp Duty is there on a £450,000 buy-to-let or second home?
You pay £35,000, because additional properties pay 5% on top of every standard band. A non-UK resident would pay £44,000.
Residential rates in England and Northern Ireland from 1 April 2025. Scotland (LBTT) and Wales (LTT) use different taxes. An estimate, not tax advice. Related: Stamp Duty for all prices · Stamp Duty calculator · UK mortgage repayments