Stamp Duty on a Cobham Home
Stamp duty on the £1,243,000 Cobham benchmark price is £68,050 at standard rates. A first time buyer pays £68,050. A second property or buy to let pays £130,200 once the surcharge is added.
The introduction costs you nothing. If you go ahead, we may be paid a fee by the firm we introduce you to. There is no obligation.
Stamp duty on the £1,243,000 Cobham benchmark price is £68,050 at standard rates. A first time buyer pays £68,050. A second property or buy to let pays £130,200 once the surcharge is added.
What you would pay in Cobham
On the £1,243,000 benchmark, standard residential stamp duty is £68,050. It is due within 14 days of completion.
First time buyer relief brings it to £68,050 at this price. At this price the relief makes no difference, because the property is above the ceiling where it applies.
Stamp duty at the Cobham benchmark
The commercial page for this town sets out the introduction itself: Mortgage advice in Cobham.
The surcharge that catches people out
If you will still own another residential property worth £40,000 or more anywhere in the world after you buy, the additional property surcharge usually applies. On the £1,243,000 benchmark that adds £62,150, taking the bill to £130,200.
It catches people mid move, when the old home has not sold. You can usually reclaim the surcharge if you sell the previous main residence within the time limit. Budget for it anyway.
Local prices sit above the first time buyer relief ceiling of £500,000, so relief will not help on a typical purchase here. That is a real disadvantage for first buyers in this area.
Where it sits in your cash pile
Stamp duty of £68,050 sits alongside a 10% deposit of £124,300 and legal and survey fees. Together that is roughly £194,850 before you own anything.
Rates are those in force from April 2025. Thresholds change with fiscal events, so confirm the current position on gov.uk before you exchange.
What else Cobham buyers are budgeting for
The schools families ask about here are Cobham Free School, Reed's School, ACS Cobham International School and Notre Dame School. 1 local school was rated Good or Outstanding overall at its most recent graded Ofsted inspection. Ratings age between inspections, so read the latest report before you rely on one.
On getting about: Cobham is well connected by both rail and road, though the station sits a little way from the centre. These indicative times are a starting point, always verify current timetables before relying on a specific journey.
By price, Cobham ranks 1 of the 65 Surrey locations we cover, at £1,243,000 against a county average of £634,238. Band D council tax here is £2,557, against an average of £2,554 across the towns we cover in the county.
What that price buys in Cobham
The full local guide covers schools, transport and the market in detail: Cobham property and area guide.
| Budget | What it buys here |
|---|---|
| Around £450,000 to £750,000 | Typically a flat or apartment, the more accessible way into the town, popular with first-time buyers, downsizers and investors. |
| Around £900,000 to £1,300,000 | A family semi or detached house, the heart of the local market for families and commuters. |
| £1.5m and above | Larger detached homes on the prime roads and towards Oxshott, the premium end of a high-value market. |
Cobham is known locally for Painshill Park. A restored 18th-century landscape garden with a serpentine lake, crystal grotto, follies and vineyards, one of the finest of its kind and a defining Cobham landmark. See painshill.co.uk.
Practical detail for Cobham: the KT11 postcode district and cobham & Stoke d'Abernon, direct South Western Railway to London Waterloo (station ~1.5 miles from the centre).
Cobham has history behind the price. In Domesday (1086), Cobham appears as 'Covenham', a settlement on the River Mole held by Chertsey Abbey.
London commuters & professionals
People wanting prestigious Surrey living with direct Waterloo trains and quick access to Heathrow, Gatwick and the A3/M25.
Families
Buyers drawn by the exceptional schools, the space and the greenery, though catchments for the state school and admissions for the independents are worth checking carefully.
Downsizers & prestige buyers
Long-standing residents staying local, and buyers drawn to the prestige of one of Surrey's smartest towns.
Cobham at a glance
| Purchase price | Standard rate |
|---|---|
| £745,000 | £27,250 |
| £995,000 | £43,250 |
| £1,243,000 | £68,050 |
| £1,245,000 | £68,250 |
| £1,555,000 | £100,350 |
| £1,865,000 | £137,550 |
Figures are local averages used for illustration. Confirm your own numbers before acting on them.
Ask about Cobham
Three details is all we need. You are told before anything is passed to a partner firm.
Your checklist
- Stamp duty of £68,050 treated as cash, not borrowing
- Your first time buyer status confirmed in writing
- The surcharge checked if you own anything else
- Current rates verified on gov.uk before exchange
The introduction costs you nothing. If you go ahead, we may be paid a fee by the firm we introduce you to. There is no obligation.
Check broadband before you make an offer in Cobham
Broadband speeds can vary street by street in Cobham, so check the exact address before you commit. Ofcom's free checker shows which broadband speeds and mobile coverage are available at any UK property.
We can introduce you to a specialist who can combine your mobile, broadband and utilities into one bill. There's no fee for the introduction.
We don't provide these services ourselves. Switching household bills is not a regulated financial service, so FCA protections and the Financial Ombudsman do not apply. We'll only pass your details to the specialist if you ask us to. See our privacy notice.
Questions people ask
How much is stamp duty on a house in Cobham?
Do first time buyers pay stamp duty here?
What if I already own a property?
How do I check broadband speed at a property in Cobham?
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