Calculate Stamp Duty
Enter a property price and select a location to estimate the stamp duty or transfer tax you would owe. Rates are applied in tiered bands -- you only pay each rate on the portion within that band.
Tax Band Breakdown
| Band | Rate | Taxable Amount | Tax Due |
|---|
Compare Across UK Locations
UK Stamp Duty Rates (2024-25)
England & Northern Ireland -- SDLT (Stamp Duty Land Tax)
| Band | Standard Rate | First-Time Buyer | Additional Property |
|---|---|---|---|
| Up to 250,000 | 0% | 0% (up to 425,000) | 5% |
| 250,001 -- 925,000 | 5% | 5% (425,001 -- 625,000) | 10% |
| 925,001 -- 1,500,000 | 10% | 10% | 15% |
| Over 1,500,000 | 12% | 12% | 17% |
First-time buyer relief applies to purchases up to 625,000 GBP. Above this threshold, standard rates apply. The additional property surcharge is 5% on top of each standard band.
Scotland -- LBTT (Land and Buildings Transaction Tax)
| Band | Standard Rate | Additional Property |
|---|---|---|
| Up to 145,000 | 0% | 6% |
| 145,001 -- 250,000 | 2% | 8% |
| 250,001 -- 325,000 | 5% | 11% |
| 325,001 -- 750,000 | 10% | 16% |
| Over 750,000 | 12% | 18% |
Scotland first-time buyer relief: no LBTT on the first 175,000 GBP for properties up to 175,000.
Wales -- LTT (Land Transaction Tax)
| Band | Standard Rate | Additional Property |
|---|---|---|
| Up to 225,000 | 0% | 5% |
| 225,001 -- 400,000 | 6% | 11% |
| 400,001 -- 750,000 | 7.5% | 12.5% |
| 750,001 -- 1,500,000 | 10% | 15% |
| Over 1,500,000 | 12% | 17% |
US Transfer Tax Rates by State
In the US, property transfer taxes vary widely by state (and sometimes by county or city). Below are common state-level rates.
| State | Transfer Tax Rate | Notes |
|---|---|---|
| California | $1.10 per $1,000 (0.11%) | County tax; some cities add more |
| New York | 0.4% + 0.65% mansion tax over $1M | NYC has additional 1%-2.625% tax |
| New Jersey | 0.4% -- 1.21% (tiered) | Higher tiers for larger amounts |
| Florida | 0.7% | Documentary stamp tax; Miami-Dade 0.6% |
| Texas | None | No state transfer tax |
| Washington | 1.1% -- 3.0% (tiered) | Real Estate Excise Tax (REET) |
| Pennsylvania | 1% state + 1% local = 2% | Philadelphia may be higher |
| Illinois | 0.1% state | Cook County / Chicago add more |
| Connecticut | 0.75% -- 2.25% | Higher rate over $800k |
| New Hampshire | 1.5% | $0.75 per $100 split buyer/seller |
| Delaware | 3% (split) | Typically split 1.5% buyer / 1.5% seller |
| Maryland | 0.5% state + 0.5%+ county | Varies by county |
| Hawaii | 0.1% -- 1.25% (tiered) | Conveyance tax on sale amount |
| DC | 1.1% -- 1.45% | Higher rate over $400k |
US transfer tax rates are approximate and may vary by county or city. Many states allow local jurisdictions to add their own taxes. Always verify with local authorities before closing.
How Stamp Duty Works
Stamp duty (or its equivalent) is a tax charged when you buy property or land above a certain threshold. In the UK, the tax is known by different names depending on the nation: SDLT in England and Northern Ireland, LBTT in Scotland, and LTT in Wales. In the US, equivalent taxes are usually called transfer taxes or documentary stamp taxes.
Tiered (Progressive) System
Most stamp duty systems use tiered rates, similar to income tax brackets. You do not pay the top rate on the entire property price -- only on the portion that falls within each band. For example, if you buy a property for 400,000 GBP in England, you pay 0% on the first 250,000 and 5% on the remaining 150,000, totalling 7,500 GBP.
First-Time Buyer Relief
Several jurisdictions offer reduced rates or higher thresholds for first-time buyers. In England, first-time buyers pay no stamp duty on the first 425,000 GBP of a property purchase (for properties up to 625,000 GBP). Scotland offers relief on the first 175,000 GBP.
Additional Property Surcharge
If you already own a property and are buying an additional one (such as a buy-to-let or second home), you typically pay a surcharge on top of the standard rates. In England, this surcharge is 5% added to each band.
US Transfer Taxes
In the United States, there is no federal transfer tax. Instead, individual states (and sometimes counties or cities) impose their own rates. Some states like Texas have no transfer tax at all, while others like Washington and Connecticut have tiered systems that increase with property value.
Frequently Asked Questions
What is stamp duty?
Stamp duty is a tax paid by the buyer when purchasing property or land. In the UK, it applies to residential and commercial property above certain thresholds. The name comes from the historical practice of physically stamping legal documents to show the tax had been paid.
When do I pay stamp duty?
In England, SDLT must be filed and paid within 14 days of completion. In Scotland and Wales, similar deadlines apply. In the US, transfer taxes are typically paid at closing and handled by the title or escrow company.
Can I add stamp duty to my mortgage?
Generally no -- stamp duty is paid separately at completion. Some buyers include it in their budget alongside the deposit, legal fees, and other closing costs. However, some lenders may allow you to borrow slightly more to cover it, which increases your loan-to-value ratio.
Who pays transfer tax in the US?
This varies by state and is often negotiable. In some states (like New York), the seller typically pays. In others, it is split between buyer and seller. The purchase agreement usually specifies who bears the cost.
Are these rates exact?
This calculator uses standard published rates and provides estimates. Actual amounts may vary based on local surcharges, exemptions, reliefs, and rate changes. Always confirm with a solicitor, conveyancer, or tax advisor before making financial decisions.
Does this calculator store my data?
No. All calculations run entirely in your browser. No data is sent to any server, and nothing is stored.
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Privacy & Limitations
Privacy: This calculator runs entirely in your browser. No personal data -- including property prices or tax results -- is transmitted or stored anywhere.
Limitations: Stamp duty rates are subject to change and may include local surcharges or exemptions not captured here. This tool provides estimates based on standard published rates. Always verify with official government sources or a qualified professional.
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Stamp Duty Calculator FAQ
What is stamp duty?
Stamp duty (or stamp duty land tax) is a tax paid by the buyer when purchasing property or land above a certain price threshold. The rate typically increases with the property price in tiered bands.
How is stamp duty calculated in England?
In England, Stamp Duty Land Tax (SDLT) is calculated on a tiered basis. You pay 0% on the first 250,000 GBP, 5% on the portion from 250,001 to 925,000, 10% on the portion from 925,001 to 1,500,000, and 12% on anything above 1,500,000.
Do first-time buyers get a discount on stamp duty?
Yes. In England, first-time buyers pay no stamp duty on the first 425,000 GBP of a property purchase (up to 625,000 GBP total). In Scotland, first-time buyers get relief on the first 175,000 GBP.
Does this calculator store my data?
No. All calculations run entirely in your browser. No data is sent to any server, and nothing is stored.