Bingley or Filey: Which Is Better Value?
Bingley averages £245,000 against £240,000 in Filey, a gap of £5,000 or 2%. You would need £500 more deposit and about £26 a month more on a repayment mortgage at an assumed 5% over 25 years. Filey charges £189 more council tax at Band D.
Bingley averages £245,000 against £240,000 in Filey, a gap of £5,000 or 2%. You would need £500 more deposit and about £26 a month more on a repayment mortgage at an assumed 5% over 25 years. Filey charges £189 more council tax at Band D.
Price and deposit
The headline gap is £5,000, or 2%. On a 10% deposit that is £500 more cash to find before you start. Detached homes average £280,000 against £250,000.
Bingley against Filey
Town guides for each: Mortgage advice in Bingley and Mortgage advice in Filey.
Schools and families
Both towns show 0 Outstanding rated schools, so the choice turns on Good rated capacity and catchment distance. Counting last graded Ofsted inspections (before September 2024), Bingley has 2 schools and Filey has 1 school graded Good or better.
A strong catchment in the cheaper town can cost more than an average street in the dearer one. Compare catchments, not averages.
Running costs and getting to work
Band D council tax is £2,361 in Bingley and £2,550 in Filey, a difference of £189 a year.
The honest verdict
Filey is cheaper to buy on these figures. Bingley carries the higher price and, on this data, the stronger school profile.
Neither is right in the abstract. If the deposit is your constraint, the £500 difference matters more than anything else here. If catchment is the constraint, price follows the school you need.
What each town is actually like
Price is one axis. These are the things people move for, and the things they find out afterwards.
Bingley
In its favour- A desirable Aire Valley town with real heritage
- The famous Five Rise Locks & St Ives Estate
- Highly rated schools (Outstanding Beckfoot School)
- A reliable Airedale-line commute to Leeds & Bradford
- River flood risk near the Aire is genuine (2015 floods)
- A premium over Keighley or central Bradford
- Older stone/villa homes can affect lending & insurance
- A busy valley corridor rather than a rural village
Best for Commuters ★★★★★
Bingley station on the Airedale line reaches Leeds in around twenty-five to thirty minutes and Bradford in around fifteen, with Keighley, Shipley and Skipton direct and the Wharfedale line for Ilkley via Shipley, a strong, reliable commuter link.
Filey
In its favour- A quiet, traditional seaside resort on a beautiful bay
- A genuine railway station on the Yorkshire Coast Line
- Filey Brigg, the Coble Landing & the Victorian Crescent
- Good value for the Yorkshire Coast
- No A&E (nearest Scarborough Hospital ~8 mi)
- A coast line, not a fast mainline commuter service
- Coastal erosion to check on cliff-top and sea-edge homes
- The town's secondary (Filey Academy) was judged Requires improvement (2025 report card)
Best for Families ★★★★☆
A safe, gentle seaside town with a beautiful beach, a genuine station and a primary rated Good suits families well; weigh that the town's secondary (Filey Academy) was judged Requires improvement in all areas at its 2025 report-card inspection, and that the nearest A&E is at Scarborough.
Bingley and Filey, side by side
| Measure | Bingley | Filey |
|---|---|---|
| Average property price | £245,000 | £240,000 |
| Average detached | £280,000 | £250,000 |
| 10% deposit | £24,500 | £24,000 |
| Illustrative monthly payment | £1,289 | £1,263 |
| Band D council tax | £2,361 | £2,550 |
| Outstanding rated schools | 0 | 0 |
| Good rated schools | 2 | 1 |
Local averages used for illustration. Confirm your own figures before acting.
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Questions people ask
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