Payotte studies

UK housing, area by area

Every figure is computed by Payotte from the UK House Price Index (July 2026) and the official purchase tax rates.

Purchase tax

Stamp duty on the average home, area by area

On the average home of each area in July 2026, a home mover (not a first-time buyer, no other property) pays the most purchase tax in Kensington and Chelsea (£67,014 on £1,232,640), City of Westminster (£33,839 on £876,788), Camden (£30,758 on £815,159), and the least in Wrexham (£0), Flintshire (£0), East Ayrshire (£0).

The purchase tax on the average detached house, area by area

On the average detached house, a home mover pays the most tax in Kensington and Chelsea (£456,796 on £4,525,386), City of Westminster (£380,838 on £3,892,403), Camden (£351,163 on £3,645,110), and the least in County Durham (£2,282), City of Kingston upon Hull (£2,386), Hyndburn (£2,436).

The purchase tax on the average flat, area by area

On the average flat, a home mover pays nothing in 53 of the 134 areas, and a first-time buyer nothing in 120.

First-time buyers

What a first-time buyer pays in tax, area by area

On the average price paid by first-time buyers, 103 of the 134 areas owe no purchase tax at all thanks to the reliefs.

How much less first-time buyers pay, area by area

First-time buyers pay less than the average buyer everywhere Payotte looked.

Second homes

The surcharge on a second home or buy-to-let, area by area

Buying the average home as a second property costs the most extra in Kensington and Chelsea (£61,632 more), City of Westminster (£43,839 more), Camden (£40,758 more), and the least in City of Kingston upon Hull (£6,776), County Durham (£7,022).

Non-UK residents

The 2% non-UK resident surcharge on the average home

In England and Northern Ireland, a buyer who is not UK resident pays 2 extra points of SDLT on the whole price.

Prices

How much house prices rose in ten years, area by area

Between 2016 and 2026 (the same month each year), average prices rose the most in Oldham (+87.3%), Salford (+75.9%), Rossendale (+74.4%) and the least in City of Aberdeen (−33%), City of Westminster (−19.6%), Tower Hamlets (−8%).

House prices over the last twelve months, area by area

In the twelve months to July 2026, average prices rose in 104 of the 135 areas and fell in 31.

How many flats is a detached house worth, area by area

The average detached house is worth the most flats in Merton (5.8×), Camden (5.4×), City of Westminster (5×), and the fewest in Tower Hamlets (2.1×), Manchester (2.5×), Hackney (2.5×).

Market

Where the most homes change hands, area by area

Over the twelve months with complete volumes (2025-05 to 2026-04), the most sales were in City of Glasgow (11,159), City of Edinburgh (11,001), Leeds (9,455).

Across the nations

The same home in the four nations: purchase tax compared