England and Northern Ireland rates from 1 April 2025: 0% to £125,000, 2% to £250,000, 5% to £925,000, 10% to £1.5m, 12% above. First-time buyers pay 0% to £300,000 and 5% to £500,000, with no relief at all above £500,000 (standard rates apply to the full price). Additional properties carry a 5% surcharge on top of standard rates. Scotland (LBTT) and Wales (LTT) use different bands and aren't modeled here. Not tax advice.
How much stamp duty is due on a £600,000 house?
Under the April 2025 rates, a £600,000 purchase in England or Northern Ireland costs a home mover £20,000 in stamp duty, 3.33% of the price. On the same £600,000, a first-time buyer also pays £20,000, as relief ends at £500,000. As an additional property it costs £50,000, including £30,000 of 5% surcharge.
Stamp duty on £600,000 by buyer type
| Buyer type | Stamp duty | Effective rate | vs home mover |
|---|---|---|---|
| Home mover / standard | £20,000 | 3.33% | same |
| First-time buyer | £20,000 (no relief above £500,000) | 3.33% | same |
| Additional property | £50,000 | 8.33% | +£30,000 |
How £600,000 is taxed, band by band
| Band | Slice of the price | Home mover | Additional property |
|---|---|---|---|
| Up to £125,000 | £125,000 | 0% = £0 | 5% = £6,250 |
| £125,001 to £250,000 | £125,000 | 2% = £2,500 | 7% = £8,750 |
| £250,001 to £925,000 | £350,000 | 5% = £17,500 | 10% = £35,000 |
| Total | £600,000 | £20,000 | £50,000 |
Of the £600,000 price, the first £125,000 is taxed at 0%, the next £125,000 at 2% (£2,500) and the remaining £350,000 at 5% (£17,500).
First-time buyer relief at £600,000
£600,000 is £100,000 over the £500,000 ceiling, so a first-time buyer pays the full £20,000: relief is withdrawn outright above the ceiling, not tapered. Had the price been £500,000, the bill would have been £10,000.
What changes around £600,000
- From £600,000 to £925,000, £325,000 of headroom, every £1,000 more adds £50 for a home mover; the 10% rate starts at £925,001.
- At £750,000 the home-mover bill would be £27,500, £7,500 more than at £600,000.
- At £500,000 the home-mover bill would be £15,000, so the £100,000 step up to £600,000 costs £5,000 in extra stamp duty.
At £600,000 the price is £100,000 over the first-time buyer ceiling, so there is no relief at all and a first-time buyer pays the same £20,000 as anyone else. That is twice the £10,000 due at £500,000. The top slice is still taxed at 5%, and stays there until £925,000, so the £20,000 bill grows by £500 per £10,000.
Frequently asked questions
£20,000 at standard rates (a home mover), £20,000 for a first-time buyer because £600,000 is over the £500,000 relief ceiling, and £50,000 for a second home or buy-to-let.
Yes, the full £20,000. At £600,000 the purchase is £100,000 above the £500,000 limit for relief, so standard rates apply.
£30,000 extra: 5% of £600,000, added to the £20,000 standard bill for £50,000 in total.
At £610,000 a home mover would pay £20,500 (£500 more), a first-time buyer £20,500 (£500 more) and an additional-property buyer £51,000 (£1,000 more).
Other property prices
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Reviewed by Raja Jahangir · Last reviewed: October 2026