How much CGT on a £200,000 gain?
Worked 2026/27 examples for a £200,000 residential property gain after costs, with no PRR.
Updated for the 2026/27 tax year · Reviewed against HMRC guidance
Results
| Scenario | Taxable | CGT due |
|---|---|---|
| Higher-rate, sole owner | £197,000 | £47,280 |
| £30,000 salary, sole owner | £197,000 | £46,063.80 |
| Joint, both higher-rate | £194,000 | £46,560 |
Note on the personal allowance
Capital gains do not reduce your personal allowance — only income above £100,000 tapers it — so a large gain alone won't trigger the 60% income tax trap.
Frequently asked questions
This guide is general information based on the Taxation of Chargeable Gains Act 1992 and HMRC guidance (including HS283). It is not personal tax advice — for complex cases speak to a qualified tax adviser.