The Real Cost of Buying a First Home in Scone
A first purchase at the £265,000 Scone average needs about £32,050 in cash, made up of £26,500 deposit, £2,250 LBTT 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.
A first purchase at the £265,000 Scone average needs about £32,050 in cash, made up of £26,500 deposit, £2,250 LBTT with first time buyer relief, and roughly £3,300 in fees.
Every pound you need before completion in Scone
On the local average the deposit is £26,500, LBTT is £2,250 and fees are near £3,300. Total cash needed is about £32,050.
First time buyer relief raises the LBTT nil rate band to £175,000, saving you £600 against the standard charge of £2,850 at this price. LBTT rates are set by the Scottish Government and collected by Revenue Scotland. Confirm the current position on revenue.scot before you complete.
Where the upfront cash goes
The commercial page for this town sets out the introduction itself: Mortgage advice in Scone.
What you can borrow against local incomes
In Scotland first time buyer relief raises the LBTT nil rate band to £175,000, worth up to £600. There is no upper price limit on the relief.
The costs that start the day you move in
Band D council tax in Perth and Kinross is £1,674 a year, which is £139 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 Scone detail first buyers ask about
The schools families ask about here are Robert Douglas Memorial School, Perth secondary schools, St John's RC Academy (Perth), Strathallan School (Forgandenny) and Perth & Kinross rural primaries. Ratings age between inspections, so read the latest report before you rely on one.
On getting about: Scone to Perth takes about ~5 to 10 min drive.
By price, Scone ranks 9 of the 12 Perth and Kinross locations we cover, at £265,000 against a county average of £267,500. Band D council tax here is £1,674, against £1,674 across the county.
What your money buys in Scone
Scone is a historic, affluent Perth-commuter village just north across the Tay, village life with the Fair City on the doorstep.
The full local guide covers schools, transport and the market in detail: Scone property and area guide.
| Budget | What it buys here |
|---|---|
| Around £120,000 to £185,000 | A flat or a smaller terrace, the more accessible way into the village, popular with first-time buyers, investors and commuters. |
| Around £185,000 to £330,000 | A terrace, a semi or a family home on one of the newer estates, the heart of the Scone market. |
| £330,000 and above | A larger detached, period or rural home around Scone, the top of the local market. |
- A historic, affluent village with national heritage at Scone Palace
- Perth and its rail hub just across the Tay, a genuine city on the doorstep
- Scone Palace, the Moot Hill and Perth Racecourse on the doorstep
- A simple Scottish council-tax bill, no police, fire or community precept
- A genuine village community with a High Street and primary school
- No railway station in the village, you rely on Perth's, minutes away
- Secondary schooling and the hospital are in Perth, not the village
- Emergency hospital provision has changed, confirm with NHS Tayside (Ninewells is the major A&E)
- A firmer, commuter-driven village market with meaningful LBTT on larger homes
- Many newer detached homes sit in the higher council-tax bands (E to H)
Scone is known locally for The crowning of the Scottish kings, and Scone Palace & grounds. On the Moot Hill at Scone, the kings of Scots, including Macbeth and Robert the Bruce, were inaugurated on the Stone of Destiny; Scone was the ceremonial heart of the medieval kingdom.
Practical detail for Scone: the PH2 postcode district, none in the village, Perth station (a few minutes away) is a hub with direct trains to Edinburgh, Glasgow, Dundee, Stirling and Inverness and nearest A and E is Perth Royal Infirmary, Perth (just across the Tay; confirm current emergency provision with NHS Tayside); Ninewells Hospital, Dundee is Tayside's major specialist/emergency centre.
Scone at a glance
| Upfront cost | Scone figure |
|---|---|
| Average price | £265,000 |
| Deposit at 10% | £26,500 |
| LBTT, first time buyer | £2,250 |
| LBTT, standard rate | £2,850 |
| Legal, survey and moving | £3,300 |
| Total cash needed | £32,050 |
| Monthly repayment illustration | £1,394 |
Figures are local averages used for illustration. Confirm your own numbers before acting on them.
Ask about Scone
Three details is all we need. You are told before anything is passed to a partner firm.
Your checklist
- Total cash of about £32,050, not just the deposit
- Your LBTT position confirmed on revenue.scot
- A first year running cost budget including £1,674 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.
Check broadband before you make an offer in Scone
Broadband speeds can vary street by street in Scone, 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 Scone?
Do first time buyers pay LBTT in Scone?
What is the biggest hidden cost?
How do I check broadband speed at a property in Scone?
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