Cardiff uses LTT, not SDLT — and Wales abolished first-time-buyer relief in 2018, so first-time buyers in Cardiff pay the same standard LTT rates as any other main-home buyer. At £273,000, Cardiff is the third highest average house price in Wales, above the £225,000 LTT nil-rate threshold.
Average price source: ONS UK House Price Index, May 2026 (provisional).
Wales LTT Bands 2026
| Band | Standard rate |
|---|---|
| Up to £225,000 | 0% |
| £225,001 – £400,000 | 6% |
| £400,001 – £750,000 | 7.5% |
| £750,001 – £1.5m | 10% |
| Above £1.5m | 12% |
Wales abolished first-time buyer relief in 2018 — first-time buyers pay standard rates.
Frequently Asked Questions
It depends on the price, buyer type and region. Cardiff's average property price is £273,000 (ONS UK House Price Index, May 2026 (provisional)) — enter your own price above for an exact LTT figure.
No — Wales abolished first-time buyer relief in 2018, so a first-time buyer in Cardiff pays the same standard LTT rates as any other main-home buyer. At Cardiff's average price of £273,000 (ONS, May 2026 provisional), that means LTT is due on the portion above £225,000 regardless of first-time-buyer status.
No — LTT bands are set nationally (Wales (LTT)), not by city. Cardiff doesn't have its own rates; what varies locally is the average property price, which changes how much tax a typical purchase attracts.