The Real Cost of Buying a First Home in Eccles
A first purchase at the £240,000 Eccles average needs about £27,300 in cash, made up of £24,000 deposit, £0 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 £240,000 Eccles average needs about £27,300 in cash, made up of £24,000 deposit, £0 stamp duty with first time buyer relief, and roughly £3,300 in fees.
The full cash number for Eccles
On the local average the deposit is £24,000, stamp duty is £0 and fees are near £3,300. Total cash needed is about £27,300.
First time buyer relief saves you £2,300 against the standard charge of £2,300 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 Eccles.
Where local earnings cap the purchase price
Average prices sit below the £500,000 relief ceiling, so most first purchases here still qualify. Check your own price against the threshold.
The costs that start the day you move in
Band D council tax in Greater Manchester is £2,594 a year, which is £216 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 Eccles detail first buyers ask about
The schools families ask about here are Ellesmere Park High School, Monton Green Primary School, St Andrew's CE Primary School and Wider Salford & Monton schools. 3 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: Eccles to MediaCityUK takes about 10 to 15 min.
By price, Eccles ranks 16 of the 39 Greater Manchester locations we cover, at £240,000 against a county average of £267,692. Band D council tax here is £2,594, against an average of £2,438 across the towns we cover in the county.
What your money buys in Eccles
Eccles is a well-connected, affordable west-Salford town on the Bridgewater Canal.
The full local guide covers schools, transport and the market in detail: Eccles property and area guide.
| Budget | What it buys here |
|---|---|
| Around £120,000 to £180,000 | A flat or canal-side apartment, or a smaller terrace, the more accessible way into the town. |
| Around £220,000 to £320,000 | An interwar or later semi, or a larger period terrace, a classic Eccles family home. |
| £350,000 and above | A larger or detached house, especially in sought-after Monton, the top of the local market. |
- An affordable west-Salford town
- Its own Metrolink tram line via MediaCityUK
- Eccles & Patricroft rail on the historic line
- Monton village, marina & the Bridgewater Canal
- RHS Bridgewater & MediaCityUK nearby
- A working, mixed town (Monton the smart exception)
- A slower tram ride into the very centre than the train
- Traffic and noise on the M602/M60 corridor
- Flood risk near the Ship Canal & Irwell (Barton/Peel Green)
- Flats & canal-side apartments need lease checks
Eccles is known locally for The Eccles cake, and Monton village & marina. The flat, currant-filled pastry that takes its name from the town, first sold in Eccles in the eighteenth century, a genuine, enduring piece of local identity.
Practical detail for Eccles: the M30 (incl Monton, Patricroft, Winton, Peel Green, Barton) postcode district and nearest A and E is Salford Royal Hospital, Stott Lane (major A&E & regional neurosciences), a drive; verify with NHS.
Eccles at a glance
| Upfront cost | Eccles figure |
|---|---|
| Average price | £240,000 |
| Deposit at 10% | £24,000 |
| Stamp duty, first time buyer | £0 |
| Stamp duty, standard rate | £2,300 |
| Legal, survey and moving | £3,300 |
| Total cash needed | £27,300 |
| Monthly repayment illustration | £1,263 |
Figures are local averages used for illustration. Confirm your own numbers before acting on them.
Ask about Eccles
Three details is all we need. You are told before anything is passed to a partner firm.
Your checklist
- Total cash of about £27,300, not just the deposit
- Your stamp duty position confirmed on gov.uk
- A first year running cost budget including £2,594 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 Eccles
Broadband speeds can vary street by street in Eccles, 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 Eccles?
Do first time buyers pay stamp duty in Eccles?
What is the biggest hidden cost?
How do I check broadband speed at a property in Eccles?
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