Home mover
£16,000
3.1% of the price
Stamp Duty on a £520,000 Property in England & Northern Ireland (2026)
£16,000
Stamp Duty Land Tax (SDLT) on a £520,000 property for a home mover or single-property buyer. Effective rate 3.1%. Source: HMRC.
First-time buyer
£16,000
No relief at this price
Additional property
£42,000
£26,000 more than a home mover
Non-UK resident
£26,400
£10,400 surcharge
First-time buyer relief does not apply at this price. It is withdrawn entirely above £500,000, so a first-time buyer here pays the full standard rates - the same £16,000 as a home mover.
How the £16,000 is built up
| Portion of the price | Rate | Amount in band | Tax |
|---|---|---|---|
| £0 to £125,000 | 0% | £125,000 | £0 |
| £125,000 to £250,000 | 2% | £125,000 | £2,500 |
| £250,000 to £520,000 | 5% | £270,000 | £13,500 |
| Total | £16,000 | ||
What each type of buyer pays
| Buyer | Tax | Effective rate | Why |
|---|---|---|---|
| Home mover or only property | £16,000 | 3.1% | Standard rates |
| First-time buyer | £16,000 | 3.1% | Relief withdrawn above £500,000 |
| Additional property or second home | £42,000 | 8.1% | Higher-rate table |
| Non-UK resident, home mover | £26,400 | 5.1% | Adds 2 percentage points to every band |
Work out a different price
£16,000
SDLT on a £520,000 property in England & Northern Ireland. That is an effective rate of 3.1%.
The same property in the other UK nations
| Nation | Tax | Home mover pays | Difference |
|---|---|---|---|
| England & Northern Ireland | SDLT | £16,000 | - |
| Scotland | LBTT | £25,350 | +9,350 |
| Wales | LTT | £19,500 | +3,500 |
Full £520,000 comparison across England, Scotland and Wales, for every buyer type
Common questions
How much stamp duty do I pay on a £520,000 property in England & Northern Ireland?
£16,000 if you are a home mover or this is your only property. A first-time buyer pays £16,000. An additional property or second home costs £42,000.
What is the tax called in England & Northern Ireland?
Stamp Duty Land Tax (SDLT), collected by HM Revenue & Customs. People commonly call all of the UK's property purchase taxes "stamp duty", but England & Northern Ireland uses SDLT.
Why is the additional property figure so much higher?
England & Northern Ireland applies a separate higher-rate table to additional properties, charging more in every band. It applies where the price is £40,000 or more.
Source: HMRC. Rates effective from 1 April 2025, verified 9 August 2026. Figures are computed from the published rate tables and checked against HMRC’s own calculator.