Stamp Duty on a £200,000 House
Buying a £200,000 property? Standard buyers pay £1,500 in stamp duty (SDLT) at current 2025 rates. First-time buyers pay nothing — the nil-rate threshold covers the full purchase price. Use the calculator below to see your exact breakdown, and check whether you could reclaim part of what you paid by excluding chattels from the purchase price.
Calculate Your Exact Bill
Pre-filled with £200,000. Adjust for your situation and see a full band-by-band breakdown.
If your purchase included moveable items — carpets, curtains, freestanding appliances, garden furniture — their value should have been deducted from the SDLT calculation. Most solicitors skip this step. HMRC allows refund claims for up to four years after completion.
Check if you qualify →Frequently Asked Questions
How much stamp duty do I pay on a £200,000 house?
Standard buyers pay £1,500. First-time buyers pay £0 because £200,000 falls entirely within the first-time buyer nil-rate band (up to £300,000 on properties costing no more than £500,000).
Do first-time buyers pay stamp duty on a £200,000 house?
No. First-time buyers pay zero stamp duty on a £200,000 property. The full purchase price falls within the first-time buyer 0% threshold of £300,000.
What is the stamp duty on a second home worth £200,000?
If you're buying an additional residential property (second home or buy-to-let), a 3% surcharge applies on top of standard rates. That makes the total £7,500 on a £200,000 purchase.
Can I reduce my stamp duty bill on a £200,000 house?
If the sale included moveable items (carpets, curtains, white goods, freestanding furniture), their value can be excluded from the SDLT calculation. Even at this price point, a valid chattels allocation could reduce or eliminate your bill.
Think you overpaid?
Check your eligibility in 2 minutes. HMRC allows refund claims for up to four years after completion.
Estimate My Refund →