Home Buying Cost Calculator (2026/27)Home Buying Cost Calculator
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Calculator checked against GOV.UK, Revenue Scotland and Welsh Revenue Authority rules on (how we check).
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Advanced fee assumptions
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Band-by-band tax breakdown ▼
| Band | Taxable slice | Rate | Tax |
|---|---|---|---|
| Up to £125,000 | £125,000 | 0.0% | £0 |
| £125,001 to £250,000 | £125,000 | 2.0% | £2,500 |
| £250,001 to £925,000 | £270,000 | 5.0% | £13,500 |
| Total | £520,000 | — | £16,000 |
Estimates only. Confirm with your conveyancer and official calculators. Sources.
Selling a property too? All 7 tax packs, CGT included, are £9.99. See the pack library
Selling a property too? All 7 tax packs, CGT included, are £9.99. See the pack library
Not sure what comes next at your stage? Get my free home-buying check →
Cash you need — and when it's due
Deposit + costsThe all-in figure above is your tax and buying fees. But the real cash you need from savings also includes your deposit — and it's not all due on the same day. Set your deposit below to see the true total and the payment timeline.
Assumes a 10% exchange deposit (or your full deposit if smaller). Your lender, not this tool, sets the minimum deposit it will accept. Excludes mortgage interest, moving and ongoing costs. Estimates only — confirm exact figures with your conveyancer.
Local snapshot
Nation and tax regime
England (SDLT)
Typical budget band
Worked example at £520,000
Local fees
Compare My Move's average conveyancing quote in the South East, which covers Buckinghamshire, is £1,680, the 3rd highest of its 10 UK regions, against £1,200 in the calculator's default. It does not say whether VAT or searches are included, so use it to sense-check a quote.
Main towns
Milton Keynes, High Wycombe, Aylesbury, Amersham
Common budgets in Buckinghamshire
What homes cost in Buckinghamshire
Since 2020 Buckinghamshire Council covers the county outside Milton Keynes, which has its own figure.
Buckinghamshire's average is close to where it was a year ago (+0% in twelve months (England: +0.4%)), so budgets set last year still hold for the typical home.
Five years earlier, in August 2021, the average in Buckinghamshire was £431,360, so it has changed by +10.7% (£46,090). That is slower than England as a whole (+13.2%).
In Buckinghamshire a detached house averages £852,415, against £470,342 for a semi, £378,056 for a terrace and £233,403 for a flat.
The overall average sits closest to the typical semi-detached house (£470,342).
The HPI splits buyers too: in Buckinghamshire the average first-time buyer paid £353,944, while former owner-occupiers paid £595,929.
Cash buyers paid more than mortgage buyers here (£493,270 against £473,088).
| Property type | Average price | Stamp duty: home mover | Stamp duty: first-time buyer |
|---|---|---|---|
| Flat or maisonette | £233,403 | £2,168 | £0 |
| Terraced house | £378,056 | £8,903 | £3,903 |
| Semi-detached house | £470,342 | £13,517 | £8,517 |
| Detached house | £852,415 | £32,621 | £32,621 |
Averages: HM Land Registry UK House Price Index, August 2026 (provisional). Stamp duty at each average price on 2026/27 rates, from this site's calculator.
Source: HM Land Registry: UK House Price Index data downloads, August 2026
Stamp Duty Land Tax at Buckinghamshire prices
At the Buckinghamshire average of £477,450, a home mover pays £13,872 stamp duty. The price reaches the 5% band, which starts at £250,000, so every extra £10,000 adds £500.
The average first-time buyer price in Buckinghamshire is £353,944, above the £300,000 nil-rate band but inside the £500,000 limit, so relief still applies: 5% on £53,944, which is £2,697 against £7,697 for a home mover.
By property type: the average flat is under £300,000, where a first-time buyer pays nothing; the average terrace and semi fall in the 5% relief band; the average detached house is over £500,000, where relief is lost.
A second home or buy-to-let at the Buckinghamshire average pays £37,745, because the 5% surcharge applies to the whole £477,450.
Going £10,000 over the Buckinghamshire average adds £500 of stamp duty for a home mover.
Deposit and cash for a Buckinghamshire purchase
Take a purchase at £353,944, the first-time buyer average in Buckinghamshire: a 10% deposit is £35,394, and with £2,697 of stamp duty and the calculator's default £2,699 of legal, survey and lender fees, the cash needed is about £40,791.
The England first-time buyer average is £246,042, so a 10% deposit in Buckinghamshire is £10,790 more than the national figure.
| Deposit | Deposit amount | Mortgage | Cash needed (deposit, tax, fees) |
|---|---|---|---|
| 5% | £17,697 | £336,247 | £23,093 |
| 10% | £35,394 | £318,550 | £40,791 |
| 15% | £53,092 | £300,852 | £58,488 |
| 25% | £88,486 | £265,458 | £93,882 |
At £353,944 with £2,697 stamp duty (first-time buyer) and £2,699 default fees. Your lender sets the minimum deposit it will accept.
How Buckinghamshire compares with its neighbours
The average first-time buyer price is under £300,000, so a first-time buyer pays no stamp duty at that price, in Milton Keynes and Central Bedfordshire; between £300,000 and £500,000, where relief still applies but 5% is due on the part over £300,000, in Hertsmere, South Oxfordshire and Windsor and Maidenhead.
| Area | Average price | Change in a year | Tax for a home mover at that price |
|---|---|---|---|
| Milton Keynes | £323,868 | +0.5% | £6,193 SDLT |
| Hertsmere | £553,008 | +1.5% | £17,650 SDLT |
| Central Bedfordshire | £355,263 | +0.1% | £7,763 SDLT |
| South Oxfordshire | £471,427 | +2.2% | £13,571 SDLT |
| Windsor and Maidenhead | £583,688 | -0.2% | £19,184 SDLT |
| England | £293,525 | +0.4% | £4,676 SDLT |
HM Land Registry UK House Price Index, August 2026 (provisional). Tax is the area's own nation's tax (SDLT, LBTT or LTT) at the average price, 2026/27 rates.
Source: HM Land Registry: UK House Price Index data downloads, August 2026
Fees and local admin in Buckinghamshire
Registering a £520,000 purchase with HM Land Registry costs £295 online; your conveyancer pays it and passes it on.
FAQ
What is the average house price in Buckinghamshire?
£477,450 in August 2026, according to HM Land Registry's UK House Price Index, +0% on a year earlier. Since 2020 Buckinghamshire Council covers the county outside Milton Keynes, which has its own figure.
How much stamp duty is due on an average home in Buckinghamshire?
£13,872 for a home mover at £477,450, £8,872 for a first-time buyer and £37,745 for a second home or buy-to-let, on 2026/27 rates.
Do cash buyers pay more in Buckinghamshire?
Cash purchases in Buckinghamshire averaged £493,270 and mortgage purchases £473,088 in August 2026. The tax is the same either way: it depends on the price, not how you pay.
Which part of Buckinghamshire is cheapest?
Of the areas compared on this page, Milton Keynes has the lowest average, £323,868 in August 2026.
What does a buy-to-let at the Buckinghamshire average pay?
£37,745 at £477,450, including the 5% surcharge on the whole price.
How much does a flat cost in Buckinghamshire?
The average flat or maisonette in Buckinghamshire was £233,403 in August 2026, which means £2,168 of stamp duty for a home mover and £0 for a first-time buyer.
Sources & references
OfficialThe figures and rules on this page are drawn from the official UK government sources below. Rates are the confirmed 2026/27 amounts. Each link opens the relevant official page in a new tab.
- GOV.UK: Stamp Duty Land Tax www.gov.uk/stamp-duty-land-tax Primary SDLT rules and process for England and Northern Ireland.
- GOV.UK: SDLT residential property rates www.gov.uk/stamp-duty-land-tax/residential-property-rates Current residential SDLT bands, including first-time buyer relief.
- HM Land Registry: registration services fees www.gov.uk/guidance/hm-land-registry-registration-services-fees Official fee scale for registering a property purchase.
- GOV.UK: Buying or selling your home www.gov.uk/buy-sell-your-home Government overview of the home-buying process and costs.
- HM Land Registry: UK House Price Index data downloads, August 2026 www.gov.uk/government/statistical-data-sets/uk-house-price-index-data-downloads-august-2026 Average prices by local authority, property type and buyer type. Published 21 October 2026; the latest months are provisional and can be revised.
Verified against published UK government guidance. See also Methodology and Editorial standards.