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 | £250,000 | 5.0% | £12,500 |
| Total | £500,000 | — | £15,000 |
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 £500,000
Local fees
Compare My Move's average conveyancing quote in the South East, which covers Oxfordshire, 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
Oxford, Banbury, Bicester, Abingdon, Witney
Common budgets in Oxfordshire
What homes cost in Oxfordshire
Prices in Oxfordshire rose 1.3% in the year to August 2026 (England: +0.4%): about £5,375 on the average home.
Five years earlier, in August 2021, the average in Oxfordshire was £369,205, so it has changed by +13.4% (£49,642). That is in line with England as a whole (+13.2%).
The spread between property types in Oxfordshire runs from £221,710 for a typical flat to £675,123 for a detached house, so the tax depends heavily on the kind of home you buy.
The overall average sits closest to the typical semi-detached house (£423,047).
First-time buyers in Oxfordshire paid £346,369 on average, 30.5% less than buyers who had owned before (£498,249).
Cash buyers paid more than mortgage buyers here (£423,986 against £416,884).
| Property type | Average price | Stamp duty: home mover | Stamp duty: first-time buyer |
|---|---|---|---|
| Flat or maisonette | £221,710 | £1,934 | £0 |
| Terraced house | £351,740 | £7,587 | £2,587 |
| Semi-detached house | £423,047 | £11,152 | £6,152 |
| Detached house | £675,123 | £23,756 | £23,756 |
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 Oxfordshire prices
At the Oxfordshire average of £418,847, a home mover pays £10,942 stamp duty. The price reaches the 5% band, which starts at £250,000, so every extra £10,000 adds £500.
Relief is partial here. At £346,369, the average first-time buyer price in Oxfordshire, a first-time buyer pays £2,318; the cliff is at £500,000, £153,631 higher, above which relief is lost on the whole price.
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 Oxfordshire average pays £31,885, because the 5% surcharge applies to the whole £418,847.
Going £10,000 over the Oxfordshire average adds £500 of stamp duty for a home mover.
Deposit and cash for a Oxfordshire purchase
Using the Oxfordshire first-time buyer average of £346,369: a 10% deposit is £34,637, and with £2,318 of stamp duty and the calculator's default £2,699 of legal, survey and lender fees, the cash needed is about £39,654.
The England first-time buyer average is £246,042, so a 10% deposit in Oxfordshire is £10,033 more than the national figure.
| Deposit | Deposit amount | Mortgage | Cash needed (deposit, tax, fees) |
|---|---|---|---|
| 5% | £17,318 | £329,051 | £22,336 |
| 10% | £34,637 | £311,732 | £39,654 |
| 15% | £51,955 | £294,414 | £56,973 |
| 25% | £86,592 | £259,777 | £91,610 |
At £346,369 with £2,318 stamp duty (first-time buyer) and £2,699 default fees. Your lender sets the minimum deposit it will accept.
Prices across Oxfordshire's council areas
Oxford is the dearest part of Oxfordshire (£478,080) and Cherwell the cheapest (£355,981), so a county-wide figure hides a wide range.
At those averages a home mover pays £13,904 of stamp duty in Oxford and £7,799 in Cherwell.
Prices did not move together over the year: Vale of White Horse was up 4.6% while Oxford was down 2.9%.
The average first-time buyer price is between £300,000 and £500,000, where relief still applies but 5% is due on the part over £300,000, in Oxford, South Oxfordshire, West Oxfordshire, Vale of White Horse and Cherwell.
| Area | Average price | Change in a year | Tax for a home mover at that price |
|---|---|---|---|
| Oxford | £478,080 | -2.9% | £13,904 SDLT |
| South Oxfordshire | £471,427 | +2.2% | £13,571 SDLT |
| West Oxfordshire | £416,123 | -2.3% | £10,806 SDLT |
| Vale of White Horse | £411,712 | +4.6% | £10,586 SDLT |
| Cherwell | £355,981 | +2.6% | £7,799 SDLT |
| Oxfordshire (all) | £418,847 | +1.3% | £10,942 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 Oxfordshire
Registering a £500,000 purchase with HM Land Registry costs £150 online; your conveyancer pays it and passes it on.
FAQ
What is the average house price in Oxfordshire?
£418,847 in August 2026, according to HM Land Registry's UK House Price Index, +1.3% on a year earlier.
How much stamp duty is due on an average home in Oxfordshire?
£10,942 for a home mover at £418,847, £5,942 for a first-time buyer and £31,885 for a second home or buy-to-let, on 2026/27 rates.
What does a buy-to-let at the Oxfordshire average pay?
£31,885 at £418,847, including the 5% surcharge on the whole price.
How much does a flat cost in Oxfordshire?
The average flat or maisonette in Oxfordshire was £221,710 in August 2026, which means £1,934 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 Oxfordshire?
£252,076 on average (£675,123 against £423,047), and £12,604 more stamp duty for a home mover.
How much have house prices in Oxfordshire changed in five years?
From £369,205 in August 2021 to £418,847 in August 2026, a change of +13.4% (HM Land Registry).
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.