Calculated property-price comparison
House buying costs from £150,000 to £750,000
Compare sixteen purchase prices using the same tax rules, registration logic and planning assumptions as the main calculator. See how deposits rise in straight percentages while progressive taxes and jurisdiction-specific charges create less predictable changes in total cash.
Deposit comparison
What 5%, 10% and 15% mean in cash
Deposits are the linear part of the budget: doubling the property price doubles the cash needed at the same percentage. These figures are arithmetic planning points, not minimum-deposit recommendations or mortgage approvals.
The table below shows deposit cash at all sixteen comparison prices, with columns for Property price, 5% deposit, 10% deposit, and 15% deposit.
| Property price | 5% deposit | 10% deposit | 15% deposit |
|---|---|---|---|
| £150,000 | £7,500 | £15,000 | £22,500 |
| £200,000 | £10,000 | £20,000 | £30,000 |
| £225,000 | £11,250 | £22,500 | £33,750 |
| £250,000 | £12,500 | £25,000 | £37,500 |
| £275,000 | £13,750 | £27,500 | £41,250 |
| £300,000 | £15,000 | £30,000 | £45,000 |
| £325,000 | £16,250 | £32,500 | £48,750 |
| £350,000 | £17,500 | £35,000 | £52,500 |
| £375,000 | £18,750 | £37,500 | £56,250 |
| £400,000 | £20,000 | £40,000 | £60,000 |
| £425,000 | £21,250 | £42,500 | £63,750 |
| £450,000 | £22,500 | £45,000 | £67,500 |
| £475,000 | £23,750 | £47,500 | £71,250 |
| £500,000 | £25,000 | £50,000 | £75,000 |
| £600,000 | £30,000 | £60,000 | £90,000 |
| £750,000 | £37,500 | £75,000 | £112,500 |
On smaller screens, scroll sideways to view every column clearly.
Worked England home-mover scenario
Estimated buying costs and total cash with a 10% deposit
Each row uses average cost assumptions, an England home mover, moving and insurance included, furnishing excluded, and a 10% contingency on estimate-led costs. “Buying costs above deposit” includes property tax, registration and the selected estimates and allowances. It is a budgeting illustration, not a quote.
The table below shows calculated England home-mover cash examples, with columns for Property price, Property tax, Buying costs above deposit, and Total cash with 10% deposit.
| Property price | Property tax | Buying costs above deposit | Total cash with 10% deposit |
|---|---|---|---|
| £150,000 | £500 | £5,055 | £20,055 |
| £200,000 | £1,500 | £6,055 | £26,055 |
| £225,000 | £2,000 | £7,320 | £29,820 |
| £250,000 | £2,500 | £7,820 | £32,820 |
| £275,000 | £3,750 | £9,070 | £36,570 |
| £300,000 | £5,000 | £10,320 | £40,320 |
| £325,000 | £6,250 | £11,570 | £44,070 |
| £350,000 | £7,500 | £12,820 | £47,820 |
| £375,000 | £8,750 | £14,785 | £52,285 |
| £400,000 | £10,000 | £16,035 | £56,035 |
| £425,000 | £11,250 | £17,285 | £59,785 |
| £450,000 | £12,500 | £18,535 | £63,535 |
| £475,000 | £13,750 | £19,785 | £67,285 |
| £500,000 | £15,000 | £21,035 | £71,035 |
| £600,000 | £20,000 | £27,170 | £87,170 |
| £750,000 | £27,500 | £34,670 | £109,670 |
On smaller screens, scroll sideways to view every column clearly.
Costs do not rise perfectly in step with price. Deposits are percentage-based, but property tax is progressive and some fees are fixed, banded or quote-led. This means the proportion of the purchase price represented by non-deposit costs changes between rows.
Nation and buyer status
Property-purchase tax at every comparison price
England and Northern Ireland use Stamp Duty Land Tax (SDLT), Scotland uses Land and Buildings Transaction Tax (LBTT), and Wales uses Land Transaction Tax (LTT). Each system has its own progressive bands. The first-time buyer column shows the England or Northern Ireland calculator setting; eligibility can materially change the result and must be checked for the actual purchase.
The table below shows calculated property tax by price, nation and buyer type, with columns for Property price, England / NI home mover, England / NI first-time buyer, Scotland home mover, and Wales home mover.
| Property price | England / NI home mover | England / NI first-time buyer | Scotland home mover | Wales home mover |
|---|---|---|---|---|
| £150,000 | £500 | £0 | £100 | £0 |
| £200,000 | £1,500 | £0 | £1,100 | £0 |
| £225,000 | £2,000 | £0 | £1,600 | £0 |
| £250,000 | £2,500 | £0 | £2,100 | £1,500 |
| £275,000 | £3,750 | £0 | £3,350 | £3,000 |
| £300,000 | £5,000 | £0 | £4,600 | £4,500 |
| £325,000 | £6,250 | £1,250 | £5,850 | £6,000 |
| £350,000 | £7,500 | £2,500 | £8,350 | £7,500 |
| £375,000 | £8,750 | £3,750 | £10,850 | £9,000 |
| £400,000 | £10,000 | £5,000 | £13,350 | £10,500 |
| £425,000 | £11,250 | £6,250 | £15,850 | £12,375 |
| £450,000 | £12,500 | £7,500 | £18,350 | £14,250 |
| £475,000 | £13,750 | £8,750 | £20,850 | £16,125 |
| £500,000 | £15,000 | £10,000 | £23,350 | £18,000 |
| £600,000 | £20,000 | £20,000 | £33,350 | £25,500 |
| £750,000 | £27,500 | £27,500 | £48,350 | £36,750 |
On smaller screens, scroll sideways to view every column clearly.
Why progressive bands change the pattern
Property tax is calculated in slices. When a price crosses a band boundary, only the slice inside the next band is charged at that rate. That is why the tax column changes in steps rather than as one flat percentage of the full purchase price.
Higher rates for additional properties, replacement-of-main-residence rules and relief eligibility can produce a different result from every standard example shown here.
Why the exact calculator still matters
Legal complexity, survey choice, mortgage product, removals, insurance, furnishing and contingency are transaction-specific. Select your nation and buyer type, then replace the planning figures with current quotations wherever possible.
Run your own circumstancesDistinct price guides
Read the guide nearest your target price
The comparison above covers all sixteen price points. These eight standalone guides are retained where a price has a genuinely useful tax threshold, deposit or budgeting story to explain in more depth.
Official rates and calculation scope
Tax and applicable registration charges use the site's centrally maintained official-rate data. Solicitor, search, survey, mortgage, moving and insurance figures remain planning estimates until replaced with transaction-specific quotations. Rates and methodology were last reviewed on 19 July 2026.
Reference points
Official UK guidance
This guide is informed by publicly available UK guidance from official and consumer-support sources where relevant.
- HMRC SDLT residential property rates
- Revenue Scotland LBTT residential rates and bands
- Revenue Scotland Additional Dwelling Supplement guidance
- Welsh Revenue Authority LTT rates and bands
- HM Land Registry registration service fees
- Registers of Scotland registration fees
- Land & Property Services Northern Ireland fee guidance