In 2025, 699 of the 1,305 terraced houses sold in South Gloucestershire (53.6%) went for £300,000 or less, the price up to which an eligible first-time buyer in England pays no Stamp Duty Land Tax (SDLT). The terraced median was £299,950; in neighbouring Bristol it was £377,250, and 22.4% of terraced sales were at or under the line. Of the 21 postcode sectors with at least 30 terraced sales, 13 had a terraced median at or under £300,000, against 8 of 34 in Bristol. Four of the 13 are in Yate and four in Kingswood.
The figures are HM Land Registry Price Paid Data for standard-price-paid (category A) sales of terraced houses completed between 1 January and 31 December 2025, fetched on 26 September 2026, counting only postcodes inside South Gloucestershire Council's area. They extend First-Time Buyer Stamp Duty in South Gloucestershire, 2026, which covered every property type and gave the council-wide terraced figures; this guide adds the sector-by-sector terraced ladder.
What the £300,000 line means for a terraced house
In England, first-time buyer relief charges no SDLT up to £300,000 and 5% on the portion from £300,001 to £500,000; above £500,000 the relief cannot be claimed, and everyone buying has to be a first-time buyer (HMRC). At the council's terraced median of £299,950, an eligible first-time buyer owes £0 against £4,998 at standard rates; at £350,000 the figures are £2,500 and £7,500. SDLT is set nationally, so the rates are the same in every sector below; the mechanics are in Stamp Duty first-time buyer relief explained (UK 2026) and First-Time Buyer Stamp Duty Taper: £300k to £500k in 2026. Until 31 March 2025 the ceiling was £425,000 (HMRC), so this guide tests every 2025 sale against today's £300,000 line, not the rule in force at each completion; the April to December figures fall wholly under the current rules.
The council-wide picture
| Period | South Gloucestershire: terraced sales | Median | At or under £300,000 | Bristol: terraced sales | Median | At or under £300,000 |
|---|---|---|---|---|---|---|
| 2024 | 1,119 | £295,000 | 55.9% | 2,352 | £372,750 | 24.7% |
| January to March 2025 | 399 | £295,000 | 53.9% | 856 | £383,825 | 19.3% |
| April to December 2025 | 906 | £300,000 | 53.4% | 1,724 | £375,000 | 23.9% |
| All of 2025 | 1,305 | £299,950 | 53.6% | 2,580 | £377,250 | 22.4% |
The South Gloucestershire terraced median was never more than £5,000 from the line in any period: £295,000 in 2024, £299,950 across 2025 and exactly £300,000 from April to December 2025. Across 2025, 42 sales (3.2%) were at exactly £300,000. Above it, 339 (26.0%) were between £300,001 and £350,000, where an eligible first-time buyer owes at most £2,500, and 38 (2.9%) were above £500,000, where relief cannot be claimed. Bristol's terraced median sat £77,300 higher.
The 13 sectors with a terraced median at or under £300,000
A postcode sector is the outcode plus the first digit of the incode, so "BS37 4" is a neighbourhood-sized slice of BS37. South Gloucestershire had 46 sectors with 2025 sales; 21 had at least 30 terraced sales, together 1,009 of the council's 1,305 terraced sales (77.3%). Thirteen had a terraced median at or under the line.
| Sector | Most common Land Registry locality | Terraced sales | Terraced share of the sector's sales | Terraced median | At or under £300,000 | 2024 median | Apr-Dec 2025 median |
|---|---|---|---|---|---|---|---|
| BS37 5 | Yate | 38 | 32.5% | £264,000 | 71.1% | £257,000 | £265,000 |
| BS37 4 | Yate | 76 | 52.4% | £269,000 | 85.5% | £261,500 | £270,000 |
| BS37 8 | Yate | 80 | 71.4% | £275,250 | 86.2% | £269,000 | £277,500 |
| BS32 8 | Bradley Stoke | 36 | 34.6% | £278,998 | 72.2% | n/a | n/a |
| BS30 8 | Warmley | 66 | 48.2% | £280,000 | 69.7% | £272,000 | £285,000 |
| BS32 0 | Bradley Stoke | 45 | 43.7% | £281,000 | 66.7% | £272,500 | n/a |
| BS15 8 † | Kingswood | 46 | 32.4% | £288,500 | 71.7% | n/a | £287,000 |
| BS15 1 † | Kingswood | 41 | 54.7% | £290,000 | 73.2% | n/a | n/a |
| BS37 7 | Yate | 32 | 18.8% | £295,500 | 56.2% | n/a | n/a |
| BS15 9 | Kingswood | 47 | 40.2% | £298,000 | 61.7% | £274,000 | £300,000 |
| BS15 4 | Kingswood | 74 | 40.7% | £299,950 | 54.1% | £305,000 | £299,975 |
| BS16 4 † | Staple Hill | 37 | 50.0% | £300,000 | 51.4% | n/a | £297,250 |
| BS34 5 | Patchway | 75 | 43.4% | £300,000 | 52.0% | £282,000 | £300,500 |
† The sector also lies partly in Bristol; figures are the South Gloucestershire part only. Medians need at least 30 terraced sales in the period, otherwise "n/a". Localities are the most common named entry in the Land Registry's locality field, which is blank or generic on many records.
By each sector's most common locality, Yate has four of the 13 (BS37 5, BS37 4, BS37 8 and BS37 7), Kingswood four (BS15 8, BS15 1, BS15 9 and BS15 4), Bradley Stoke two (BS32 8 and BS32 0), and Warmley, Staple Hill and Patchway one each. The lowest terraced median, £264,000 in BS37 5, is £36,000 below the line; at that price an eligible first-time buyer owes £0 against £3,200 at standard rates. BS34 5 in Patchway and the South Gloucestershire part of BS16 4 in Staple Hill sit exactly on it. Together the 13 hold 693 terraced sales, 471 of them (68.0%) at or under £300,000 and 26 at exactly £300,000.
Eleven of the 13 were at or under the line in every period in which they had at least 30 terraced sales (eight were measurable in 2024 and nine from April to December 2025). The exceptions were BS15 4 in Kingswood, at £305,000 in 2024, and BS34 5 in Patchway, at £300,500 from April to December 2025 after £282,000 in 2024. With 32 to 80 terraced sales in a sector, a handful of transactions can move a median across £300,000.
The eight sectors above the line
| Sector | Most common Land Registry locality | Terraced sales | Terraced median | At or under £300,000 |
|---|---|---|---|---|
| BS34 6 | Little Stoke | 36 | £300,500 | 50.0% |
| BS34 7 | Filton | 38 | £315,000 | 36.8% |
| BS16 7 † | Emersons Green | 39 | £317,500 | 38.5% |
| BS16 9 | Mangotsfield | 40 | £325,000 | 37.5% |
| BS16 5 † | Staple Hill | 49 | £340,000 | 22.4% |
| BS34 8 | Stoke Gifford | 42 | £347,500 | 31.0% |
| BS15 3 † | Hanham | 37 | £350,000 | 18.9% |
| BS16 6 | Downend | 35 | £360,000 | 22.9% |
The other eight run from £300,500 (BS34 6, Little Stoke) to £360,000 (BS16 6, Downend), and 18.9% to 50.0% of their terraced sales were still at or under £300,000. All eight medians are at or under the old £425,000 ceiling. The change in the ceiling is covered in First-time buyer stamp duty relief: before and after April 2025.
Freehold, leasehold and new-build
Terraced sales were 91.4% freehold council-wide (1,193 of 1,305). The exception is BS37 4 in Yate, where 32 of 76 terraced sales (42.1%) were leasehold; every other sector in the ladder was at least 82.7% freehold. The Price Paid file records the tenure but not the lease terms, which a conveyancer checks. New-build is marginal: 26 of the 1,305 terraced sales (2.0%) were flagged new-build council-wide and 2 in the 13 sectors, so the ladder describes resale homes.
Bristol's terraced sectors, and the sectors the boundary cuts
In Bristol (the Bristol part only, where the boundary cuts a sector), 34 sectors had at least 30 terraced sales in 2025 and 8 had a terraced median at or under £300,000: BS13 0 (£250,000), BS4 1 (£253,000), BS14 9 (£280,000), BS10 7 and BS14 0 (£284,500 each), BS13 8 (£289,500), BS11 9 (£297,500) and BS15 1 (£300,000). BS15 1 is on both lists because the boundary cuts through it. The Bristol districts are set out in Bristol districts where first-time buyers pay no stamp duty, 2026.
Three of the 13 South Gloucestershire sectors are cut by the boundary, so the whole sector can differ from the South Gloucestershire part.
| Sector | South Gloucestershire: terraced sales | Median | Bristol: terraced sales | Median | Whole sector: terraced sales | Median |
|---|---|---|---|---|---|---|
| BS15 1 | 41 | £290,000 | 57 | £300,000 | 98 | £294,000 |
| BS15 8 | 46 | £288,500 | 15 | n/a | 61 | £290,100 |
| BS16 4 | 37 | £300,000 | 26 | n/a | 63 | £310,000 |
BS15 1 is at or under £300,000 on either side and whole. BS16 4 is the caution: the South Gloucestershire part reaches the line at £300,000, but with the Bristol part's 26 sales included the whole sector's terraced median is £310,000. For the wider region see West of England First-Time Buyers: the £300k Stamp Duty Line 2026, and for terraced homes near the centres of six English cities, including Bristol, Where first-time buyers pay £0 stamp duty near the centre (2026).
Beyond stamp duty: council tax
Stamp duty is a one-off cost; council tax recurs and is set by each authority. The 2026-27 Band D charge is £2,550.59 in South Gloucestershire and £2,713.68 in Bristol, a difference of £163.09 a year, and the mean across 296 English authorities is £2,410.97 (Ministry of Housing, Communities and Local Government). Band D is a benchmark: a property's bill depends on its valuation band, A to H, which in England reflects 1991 values, and it cannot be inferred from a sale price. See Council Tax Bands Explained: How Your Bill Is Set in 2026.
What the data cannot show
HM Land Registry records the price paid, not who bought, so the data cannot show how many first-time buyers bought a terraced house or whether relief was claimed. The medians describe completed 2025 sales, not asking prices or what is on the market now, and they are not valuations of any property. Counts in the Land Registry file also rise as late registrations are added.
Whether relief applies depends on the buyers' circumstances, and HMRC's conditions include that everyone buying is a first-time buyer. A conveyancer confirms eligibility at completion. This is general information, not advice. Speak to a qualified adviser before acting.
Check a postcode yourself
Homecost shows what was paid on individual streets and the all-in monthly cost of a postcode. Try BS37 4LU in Yate or BS34 5GB in Patchway, and run other prices through Homecost's stamp duty calculator.
For the wider picture, see The true cost of buying a £300,000 home in the UK in 2026. More area guides are in Regional Prices.
Medians of an even number of sales are the midpoint of the two middle prices, and money figures are rounded to the nearest pound (£4,998 is £4,997.50 and £278,998 is £278,997.50). Based on 1,305 HM Land Registry terraced-house transactions in South Gloucestershire in 2025 (2,424 across 2024-25) and 2026-27 council tax Band D for 296 English authorities. Data sources for every guide are listed on the Homecost blog.