The Real Cost of Buying a First Home in Devizes
A first purchase at the £340,000 Devizes average needs about £39,300 in cash, made up of £34,000 deposit, £2,000 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 £340,000 Devizes average needs about £39,300 in cash, made up of £34,000 deposit, £2,000 stamp duty with first time buyer relief, and roughly £3,300 in fees.
What a first Devizes purchase costs in cash
On the local average the deposit is £34,000, stamp duty is £2,000 and fees are near £3,300. Total cash needed is about £39,300.
First time buyer relief saves you £5,000 against the standard charge of £7,000 at this price. 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 Devizes.
Borrowing power on a Devizes income
What the first year actually costs
Band D council tax in Wiltshire is £2,605 a year, which is £217 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 sit below the £500,000 relief ceiling, so most first purchases here still qualify. Check your own price against the threshold.
The Devizes detail first buyers ask about
The schools families ask about here are Devizes School, Southbroom St James Academy, The Trinity CofE Primary Academy, Preshute CofE Primary School (nearby, Manton) and Devizes primary schools. 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: Devizes to Chippenham takes about 25 to 30 min drive.
By price, Devizes ranks 18 of the 25 Wiltshire locations we cover, at £340,000 against a county average of £420,200. Band D council tax here is £2,605, against an average of £2,594 across the towns we cover in the county.
What your money buys in Devizes
Devizes is a historic market town in the Vale of Pewsey.
The full local guide covers schools, transport and the market in detail: Devizes property and area guide.
| Budget | What it buys here |
|---|---|
| Around £160,000 to £240,000 | A flat or smaller terrace, the more accessible way into the town, including canal-side apartments. |
| Around £240,000 to £430,000 | A terraced, town or semi-detached family home, or a newer estate house, the heart of the Devizes market. |
| £430,000 and above | A detached, period, Georgian or country home in the town or the Vale of Pewsey villages, the top of the local market. |
- A characterful, affordable market town
- The Kennet & Avon Canal & Caen Hill Locks
- A historic brewery & the Wiltshire Museum
- One of the largest market places in the West Country
- The Marlborough Downs & Vale of Pewsey on the doorstep
- No railway station in the town
- Nearest A&E in Swindon or Bath
- Canal/Avon flood risk in low-lying spots
- Rail commuters must drive or bus to a station
- New-build/leasehold service charges to check
Devizes is known locally for The Caen Hill Locks & the canal. The flight of twenty-nine locks on the Kennet & Avon Canal at Caen Hill, west of the town, is one of the longest continuous flights in the country, a spectacular engineering landmark and a genuine tourist draw.
Practical detail for Devizes: the SN10 postcode district, none in the town, nearest Pewsey, Melksham or Chippenham and nearest A and E is Great Western Hospital, Swindon, or the RUH, Bath (none in town).
Devizes at a glance
| Upfront cost | Devizes figure |
|---|---|
| Average price | £340,000 |
| Deposit at 10% | £34,000 |
| Stamp duty, first time buyer | £2,000 |
| Stamp duty, standard rate | £7,000 |
| Legal, survey and moving | £3,300 |
| Total cash needed | £39,300 |
| Monthly repayment illustration | £1,789 |
Figures are local averages used for illustration. Confirm your own numbers before acting on them.
Ask about Devizes
Three details is all we need. You are told before anything is passed to a partner firm.
Your checklist
- Total cash of about £39,300, not just the deposit
- Your stamp duty position confirmed on gov.uk
- A first year running cost budget including £2,605 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 Devizes
Broadband speeds can vary street by street in Devizes, 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 Devizes?
Do first time buyers pay stamp duty in Devizes?
What is the biggest hidden cost?
How do I check broadband speed at a property in Devizes?
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