The Real Cost of Buying a First Home in Bosham
A first purchase at the £700,000 Bosham average needs about £98,300 in cash, made up of £70,000 deposit, £25,000 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 £700,000 Bosham average needs about £98,300 in cash, made up of £70,000 deposit, £25,000 stamp duty with first time buyer relief, and roughly £3,300 in fees.
What a first Bosham purchase costs in cash
On the local average the deposit is £70,000, stamp duty is £25,000 and fees are near £3,300. Total cash needed is about £98,300.
The £700,000 average is above the £500,000 ceiling, so first time buyer relief does not apply. Stamp duty is the full £25,000. Rates are those in force from April 2025. Confirm the current position on gov.uk before you exchange.
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.
Where the upfront cash goes
The commercial page for this town sets out the introduction itself: Mortgage advice in Bosham.
What you can borrow against local incomes
The costs that start the day you move in
Band D council tax in West Sussex is £2,412 a year, which is £201 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 Bosham detail first buyers ask about
The schools families ask about here are Bosham Primary School, Chichester secondary schools, Bishop Luffa School (Chichester) and Independent schools (Chichester area). 2 local schools were rated Good or Outstanding overall at their most recent graded Ofsted inspection. Ratings age between inspections, so read the latest report before you rely on one.
On getting about: Transport in Bosham is better than many villages, it has its own station and the A259/A27 close by. These indicative times are a starting point, always verify current timetables before relying on a specific journey.
By price, Bosham ranks 2 of the 33 West Sussex locations we cover, at £700,000 against a county average of £486,515. Band D council tax here is £2,412, against an average of £2,488 across the towns we cover in the county.
What your money buys in Bosham
Bosham is an exceptionally picturesque, sought-after Chichester Harbour waterside village.
The full local guide covers schools, transport and the market in detail: Bosham property and area guide.
| Budget | What it buys here |
|---|---|
| Around £350,000 to £500,000 | A flat or smaller cottage, the more accessible way into the village. |
| Around £500,000 to £900,000 | A character cottage, terrace or family home set back from the water, the heart of the Bosham market. |
| £900,000 and above | A larger detached or prized waterfront home, the top of the local market, well into seven figures for the finest houses by the harbour (with flood risk to weigh carefully). |
- An exceptionally beautiful waterside village
- Saxon church, Canute & the Bayeux Tapestry
- Its own station & sailing on the doorstep
- Chichester & St Richard's Hospital 4 miles away
- Chichester Harbour (AONB) & harbour walks
- Prices well above average, and low supply
- The village's own trains reach London via a change
- Tidal flood risk on Shore Road & the waterfront
- Waterside homes need careful flood & insurance checks
- Period/listed & waterside homes need careful survey
Bosham is known locally for Holy Trinity Church. The Saxon church at the heart of the village, one of the oldest in Sussex, the reputed burial place of a daughter of King Canute, and the very church shown in the Bayeux Tapestry.
Practical detail for Bosham: the PO18 postcode district, Bosham station, West Coastway line; towards Chichester/Barnham (London Victoria via Gatwick) or Havant/Portsmouth and nearest A and E is St Richard's Hospital, Chichester (~4mi), verify with NHS.
Bosham at a glance
| Upfront cost | Bosham figure |
|---|---|
| Average price | £700,000 |
| Deposit at 10% | £70,000 |
| Stamp duty, first time buyer | £25,000 |
| Stamp duty, standard rate | £25,000 |
| Legal, survey and moving | £3,300 |
| Total cash needed | £98,300 |
| Monthly repayment illustration | £3,683 |
Figures are local averages used for illustration. Confirm your own numbers before acting on them.
Ask about Bosham
Three details is all we need. You are told before anything is passed to a partner firm.
Your checklist
- Total cash of about £98,300, not just the deposit
- Your stamp duty position confirmed on gov.uk
- A first year running cost budget including £2,412 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 Bosham
Broadband speeds can vary street by street in Bosham, 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 Bosham?
Do first time buyers pay stamp duty in Bosham?
What is the biggest hidden cost?
How do I check broadband speed at a property in Bosham?
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