Stamp duty in Cardiff
The current average residential property price in Cardiff is £270,094, as of 2026-06. That's £2,094 below the UK average of £272,188.
Property purchases in Cardiff are charged under LTT, the tax used across Wales, not one of the other two UK property transaction taxes.
LTT at the Cardiff average price, by buyer type
home movers
LTT on a £270,094 residential property in Wales for a home mover is £2,706.
| Band | Taxable amount | Rate | Charge |
|---|---|---|---|
| Up to £225,000 | £225,000 | 0% | £0 |
| £225,001 – £400,000 | £45,094 | 6% | £2,706 |
- You must file and pay within 30 days of completion.
first-time buyers
LTT on a £270,094 residential property in Wales for a first-time buyer is £2,706.
| Band | Taxable amount | Rate | Charge |
|---|---|---|---|
| Up to £225,000 | £225,000 | 0% | £0 |
| £225,001 – £400,000 | £45,094 | 6% | £2,706 |
- Wales has no first-time-buyer relief; the Welsh Government's stated position is that the high nil-rate band serves the same purpose.
- You must file and pay within 30 days of completion.
additional-property buyers
LTT on a £270,094 residential property in Wales for a additional-property buyer is £16,959.
| Band | Taxable amount | Rate | Charge |
|---|---|---|---|
| Up to £180,000 | £180,000 | 5% | £9,000 |
| £180,001 – £250,000 | £70,000 | 8.5% | £5,950 |
| £250,001 – £400,000 | £20,094 | 10% | £2,009 |
- If you sell a previous main residence within 36 months of this purchase, you may be able to reclaim the additional-property charge.
- You must file and pay within 30 days of completion.
Contains HM Land Registry data © Crown copyright and database right 2026. This data is licensed under the Open Government Licence v3.0. HM Land Registry.
Advertisement