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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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 | £70,000 | 5.0% | £3,500 |
| Total | £320,000 | — | £6,000 |
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 £320,000
Local fees
Compare My Move's average conveyancing quote in the South West, which covers Devon, is £2,049, the 2nd 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
Plymouth, Exeter, Torquay, Barnstaple, Newton Abbot
Common budgets in Devon
Devon house prices in August 2026
The Devon figure covers the county council's eight districts; Plymouth and Torbay are separate councils.
Over the year to August 2026 the Devon average barely moved, -0.2% (England: +0.4%).
Over five years the Devon average has gone from £277,991 (August 2021) to £306,003, a change of +10.1%. That is slower than England as a whole (+13.2%).
In Devon a detached house averages £473,339, against £317,100 for a semi, £251,123 for a terrace and £162,063 for a flat.
The overall average sits closest to the typical semi-detached house (£317,100).
First-time buyers in Devon paid £247,424 on average, 31.6% less than buyers who had owned before (£361,904).
Cash buyers paid more than mortgage buyers here (£312,826 against £300,732).
| Property type | Average price | Stamp duty: home mover | Stamp duty: first-time buyer |
|---|---|---|---|
| Flat or maisonette | £162,063 | £741 | £0 |
| Terraced house | £251,123 | £2,556 | £0 |
| Semi-detached house | £317,100 | £5,855 | £855 |
| Detached house | £473,339 | £13,667 | £8,667 |
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
What the Devon average means for stamp duty
At the Devon average of £306,003, a home mover pays £5,300 stamp duty. The price reaches the 5% band, which starts at £250,000, so every extra £10,000 adds £500.
In Devon, the average first-time buyer price is £247,424. That is inside first-time buyer relief's £300,000 nil-rate band, so a first-time buyer at that price pays nothing (a home mover would pay £2,448).
By property type: the average flat and terrace are under £300,000, where a first-time buyer pays nothing; the average semi and detached house fall in the 5% relief band.
A second home or buy-to-let at the Devon average pays £20,600, because the 5% surcharge applies to the whole £306,003.
Each £10,000 above the Devon average costs a home mover another £500 in stamp duty.
How much cash a Devon buyer needs
Take a purchase at £247,424, the first-time buyer average in Devon: a 10% deposit is £24,742, and with £0 of stamp duty and the calculator's default £2,699 of legal, survey and lender fees, the cash needed is about £27,441.
The England first-time buyer average is £246,042, so a 10% deposit in Devon is £138 more than the national figure.
| Deposit | Deposit amount | Mortgage | Cash needed (deposit, tax, fees) |
|---|---|---|---|
| 5% | £12,371 | £235,053 | £15,070 |
| 10% | £24,742 | £222,682 | £27,441 |
| 15% | £37,114 | £210,310 | £39,813 |
| 25% | £61,856 | £185,568 | £64,555 |
At £247,424 with £0 stamp duty (first-time buyer) and £2,699 default fees. Your lender sets the minimum deposit it will accept.
Prices across Devon's council areas
Within Devon, the average home ranges from £267,174 in Torridge to £360,616 in South Hams, a gap of £93,442.
At those averages a home mover pays £8,031 of stamp duty in South Hams and £3,359 in Torridge.
Prices did not move together over the year: East Devon was up 2.1% while North Devon was down 4.2%.
The average first-time buyer price is under £300,000, so a first-time buyer pays no stamp duty at that price, in South Hams, East Devon, Teignbridge, Exeter, West Devon, Mid Devon, North Devon, Torridge, Plymouth and Torbay.
| Area | Average price | Change in a year | Tax for a home mover at that price |
|---|---|---|---|
| South Hams | £360,616 | +0.8% | £8,031 SDLT |
| East Devon | £345,256 | +2.1% | £7,263 SDLT |
| Teignbridge | £298,159 | -0.5% | £4,908 SDLT |
| Exeter | £289,403 | -0.7% | £4,470 SDLT |
| West Devon | £286,921 | -1.5% | £4,346 SDLT |
| Mid Devon | £285,982 | +0.2% | £4,299 SDLT |
| North Devon | £280,441 | -4.2% | £4,022 SDLT |
| Torridge | £267,174 | +0.3% | £3,359 SDLT |
| Plymouth (separate council) | £223,229 | +3.2% | £1,965 SDLT |
| Torbay (separate council) | £221,469 | -3.1% | £1,929 SDLT |
| Devon (all) | £306,003 | -0.2% | £5,300 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 Devon
Registering a £320,000 purchase with HM Land Registry costs £150 online; your conveyancer pays it and passes it on.
FAQ
What is the average house price in Devon?
£306,003 in August 2026, according to HM Land Registry's UK House Price Index, -0.2% on a year earlier. The Devon figure covers the county council's eight districts; Plymouth and Torbay are separate councils.
How much stamp duty is due on an average home in Devon?
£5,300 for a home mover at £306,003, £300 for a first-time buyer and £20,600 for a second home or buy-to-let, on 2026/27 rates.
Which part of Devon is cheapest?
Of the areas compared on this page, Torridge has the lowest average, £267,174 in August 2026.
What does a buy-to-let at the Devon average pay?
£20,600 at £306,003, including the 5% surcharge on the whole price.
How much does a flat cost in Devon?
The average flat or maisonette in Devon was £162,063 in August 2026, which means £741 of stamp duty for a home mover and £0 for a first-time buyer.
How much more is a detached house than a semi in Devon?
£156,239 on average (£473,339 against £317,100), and £7,812 more stamp duty for a home mover.
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.