The Real Cost of Buying a First Home in Arundel
A first purchase at the £525,000 Arundel average needs about £72,050 in cash, made up of £52,500 deposit, £16,250 stamp duty with first time buyer relief, and roughly £3,300 in fees.
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.
A first purchase at the £525,000 Arundel average needs about £72,050 in cash, made up of £52,500 deposit, £16,250 stamp duty with first time buyer relief, and roughly £3,300 in fees.
What a first Arundel purchase costs in cash
On the local average the deposit is £52,500, stamp duty is £16,250 and fees are near £3,300. Total cash needed is about £72,050.
The £525,000 average is above the £500,000 ceiling, so first time buyer relief does not apply. Stamp duty is the full £16,250. Rates are those in force from April 2025. Confirm the current position on gov.uk before you exchange.
Where the upfront cash goes
The commercial page for this town sets out the introduction itself: Mortgage advice in Arundel.
What you can borrow against local incomes
What the first year actually costs
Band D council tax in West Sussex is £2,520 a year, which is £210 a month. Add energy, water, insurance and maintenance.
Protection belongs in the same budget. If the mortgage depends on two incomes, it depends on both people staying well enough to earn. That is the part of the purchase we advise on directly.
The Arundel detail first buyers ask about
The schools families ask about here are Arundel & area primary schools, St Philip Howard Catholic School (Barnham), Secondaries around Littlehampton & Chichester and Independent schools (Chichester & area). 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: Arundel to London Victoria takes about 1h30.
By price, Arundel ranks 6 of the 33 West Sussex locations we cover, at £525,000 against a county average of £486,515. Band D council tax here is £2,520, against an average of £2,488 across the towns we cover in the county.
Average prices above £500,000 mean first time buyer relief does not apply on a typical purchase here. Budget the full duty from the start.
What your money buys in Arundel
Arundel is a historic, sought-after South Downs market town.
The full local guide covers schools, transport and the market in detail: Arundel property and area guide.
| Budget | What it buys here |
|---|---|
| Around £250,000 to £350,000 | A flat or smaller cottage, the more accessible way into the town. |
| Around £350,000 to £650,000 | A period town house, terraced or semi-detached family home, the heart of the Arundel market. |
| £650,000 and above | A larger detached or period home, or a property with castle or Downs views, the top of the local market, into seven figures for the finest houses. |
- A beautiful, historic South Downs town
- Arundel Castle, the cathedral & the River Arun
- Its own station (direct to London Victoria)
- The South Downs National Park on the doorstep
- A characterful High Street & antiques
- Prices above the national average, with low supply
- A small town, limited stock, so be ready to move
- A tidal River Arun flood-risk consideration near the water
- The nearby A27 is well known for congestion
- Period/listed homes need careful survey & checks
Arundel is known locally for Arundel Castle & the Duke of Norfolk, and Arundel Castle. The great restored castle towering over the town, the seat of the Howard Dukes of Norfolk, the Earl Marshal of England and the country's premier duke, with its celebrated gardens; the glory of Arundel.
Practical detail for Arundel: the BN18 postcode district, Arundel station, direct to London Victoria (via Horsham & Gatwick); south to Barnham/Chichester/Portsmouth and nearest A and E is St Richard's, Chichester (~11mi) or Worthing (~10mi), verify with NHS.
Arundel at a glance
| Upfront cost | Arundel figure |
|---|---|
| Average price | £525,000 |
| Deposit at 10% | £52,500 |
| Stamp duty, first time buyer | £16,250 |
| Stamp duty, standard rate | £16,250 |
| Legal, survey and moving | £3,300 |
| Total cash needed | £72,050 |
| Monthly repayment illustration | £2,762 |
Figures are local averages used for illustration. Confirm your own numbers before acting on them.
Ask about Arundel
Three details is all we need. You are told before anything is passed to a partner firm.
Your checklist
- Total cash of about £72,050, not just the deposit
- Your stamp duty position confirmed on gov.uk
- A first year running cost budget including £2,520 council tax
- Income protection quoted before completion, not after
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 Arundel
Broadband speeds can vary street by street in Arundel, 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 money do I need to buy a first home in Arundel?
Do first time buyers pay stamp duty in Arundel?
What is the biggest hidden cost?
How do I check broadband speed at a property in Arundel?
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