The Real Cost of Buying a First Home in Crawley
A first purchase at the £650,000 Crawley average needs about £90,800 in cash, made up of £65,000 deposit, £22,500 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 £650,000 Crawley average needs about £90,800 in cash, made up of £65,000 deposit, £22,500 stamp duty with first time buyer relief, and roughly £3,300 in fees.
Every pound you need before completion in Crawley
On the local average the deposit is £65,000, stamp duty is £22,500 and fees are near £3,300. Total cash needed is about £90,800.
The £650,000 average is above the £500,000 ceiling, so first time buyer relief does not apply. Stamp duty is the full £22,500. 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 Crawley.
What you can borrow against local incomes
What the first year actually costs
Band D council tax in Crawley is £2,333 a year, which is £194 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.
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.
The Crawley detail first buyers ask about
The schools families ask about here are Sparsholt Church of England Primary School, The Henry Beaufort School (Winchester), Other Winchester secondaries (Kings', Westgate) and Independent schools (Winchester). 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: Crawley to Winchester takes about 10 to 15 min drive.
By price, Crawley ranks 35 of the 178 Hampshire locations we cover, at £650,000 against a county average of £535,916.
What your money buys in Crawley
Crawley is a small, sought-after, unusually planned downland village near Winchester.
The full local guide covers schools, transport and the market in detail: Crawley property and area guide.
| Budget | What it buys here |
|---|---|
| Around £400,000 to £600,000 | A smaller cottage or period home, the more accessible way into the village. |
| Around £600,000 to £1m | A larger period, semi-detached or detached village house, the heart of the Crawley market. |
| £1m and above | A larger thatched or country home, the top of the local market. |
- A beautiful, unusually planned model village
- The pond, mock-Tudor houses & thatched cottages
- Open downland & the Wayfarer's Walk / Test Way
- Winchester (& its fast London trains) a few miles away
- A quiet, characterful, sought-after village
- High prices & very low supply
- No station & very few services in the village
- A car is essential
- Thatched/period/listed homes need careful survey & checks
- Broadband can vary, check the exact address
Crawley is known locally for The model village & the Philippi reconstruction, and Winchester, its cathedral & Marwell Zoo nearby. The unusually planned, picture-book village, the legacy of the early 20th-century reconstruction by the Crawley Court estate under the Philippi family, with its uniform mock-Tudor and Arts-and-Crafts houses and the Fox and Hounds rebuilt in mock-Tudor style in 1910.
Practical detail for Crawley: the SO21 postcode district, no village station, nearest Winchester (fast direct to London Waterloo) and nearest A and E is Royal Hampshire County Hospital, Winchester, verify with NHS.
Crawley at a glance
| Upfront cost | Crawley figure |
|---|---|
| Average price | £650,000 |
| Deposit at 10% | £65,000 |
| Stamp duty, first time buyer | £22,500 |
| Stamp duty, standard rate | £22,500 |
| Legal, survey and moving | £3,300 |
| Total cash needed | £90,800 |
| Monthly repayment illustration | £3,420 |
Figures are local averages used for illustration. Confirm your own numbers before acting on them.
Ask about Crawley
Three details is all we need. You are told before anything is passed to a partner firm.
Your checklist
- Total cash of about £90,800, not just the deposit
- Your stamp duty position confirmed on gov.uk
- A first year running cost budget including £2,333 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 Crawley
Broadband speeds can vary street by street in Crawley, 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 Crawley?
Do first time buyers pay stamp duty in Crawley?
What is the biggest hidden cost?
How do I check broadband speed at a property in Crawley?
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