Cost of buying and running a 4 bed detached house
Hi,
Due to 3 beds in the area I'm searching in being quite small in living space and being relatively expensive for what they provide, I'm exploring the idea of buying a 4 bed detached new build and wanted to get an idea of roughly how close I am with costs for purchase and monthly spend. I think I have assumed higher spend than reality, I have pulled averages for a 4 bed with 4 residents across the UK, where as I will be the sole resident
Some relevant information:
Area - Horwich - North West England
Council Tax Band: E - I know the price I have down is correct
EPC Rating: B
Purchase Price: £399,750 - Assuming 5% deposit contribution
Buying status: First Time, sole Buyer - No stamp duty for first £300k
House Residents - Me alone
Job Location - IT - Work from home (Higher than average energy usage)
| Property Purchase spend |
|---|
| Deposit Amount |
| Stamp Duty, fees, searches etc |
| Property up keep |
|---|
| Spend Item |
| Gas and Electricity |
| Water |
| Alarms |
| TV License |
| Council Tax |
| Broadband |
| Home insurance |
| Estate Charge |
| Mortgage |
| Total |
Please let me know if my figures are incorrect or if I'm missing something. As I mentioned I'm aware it's probably a bit high but would rather plan for the worse case than best and have money to spare.
Posted Jul 11, 2026, 1:44 PM UTC