The Real Cost of Buying a First Home in Hursley
A first purchase at the £650,000 Hursley 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 Hursley 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.
What a first Hursley purchase costs in cash
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.
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 Hursley.
Borrowing power on a Hursley income
What the first year actually costs
Band D council tax in Hursley 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.
The Hursley detail first buyers ask about
The schools families ask about here are John Keble Church of England Primary School, Winchester secondary schools, Chandler's Ford secondary schools and Independent schools (Winchester & Romsey). 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: Hursley to Winchester takes about 10 to 15 min drive.
By price, Hursley ranks 42 of the 178 Hampshire locations we cover, at £650,000 against a county average of £535,916.
What your money buys in Hursley
Hursley is a leafy, sought-after high-value village between two cities.
The full local guide covers schools, transport and the market in detail: Hursley property and area guide.
| Budget | What it buys here |
|---|---|
| Around £350,000 to £500,000 | A cottage or smaller home, the more accessible way into the village, when one comes up. |
| Around £500,000 to £900,000 | A village, semi-detached or larger family home, the heart of the Hursley market. |
| £900,000 and above | A larger detached, period or country home, especially towards the park, the top of the local market, into seven figures for the finest houses. |
- A leafy, characterful village
- IBM Hursley, the church & the park
- Between Winchester & Romsey; M3 near
- A village primary & strong community
- Real countryside on the doorstep
- Prices well above the national average
- No railway station in the village
- Low supply, homes come up rarely
- A car is genuinely useful here
- Period/older homes need careful survey & checks
Hursley is known locally for IBM Hursley & the Spitfire. Hursley House, IBM's UK development laboratory since 1958, employing well over a thousand people and the birthplace of key IBM software; during the war it housed the Vickers Supermarine team that designed the Spitfire.
Practical detail for Hursley: the SO21 postcode district, no village station, nearest Winchester (fast direct to London Waterloo); Southampton also near and nearest A and E is Royal Hampshire County Hospital, Winchester (~5mi) / Southampton General, verify with NHS.
Hursley at a glance
| Upfront cost | Hursley 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 Hursley
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 Hursley
Broadband speeds can vary street by street in Hursley, 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 Hursley?
Do first time buyers pay stamp duty in Hursley?
What is the biggest hidden cost?
How do I check broadband speed at a property in Hursley?
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