The Real Cost of Buying a First Home in Shoreham-by-Sea
A first purchase at the £420,000 Shoreham-by-Sea average needs about £51,300 in cash, made up of £42,000 deposit, £6,000 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 £420,000 Shoreham-by-Sea average needs about £51,300 in cash, made up of £42,000 deposit, £6,000 stamp duty with first time buyer relief, and roughly £3,300 in fees.
What a first Shoreham-by-Sea purchase costs in cash
On the local average the deposit is £42,000, stamp duty is £6,000 and fees are near £3,300. Total cash needed is about £51,300.
First time buyer relief saves you £5,000 against the standard charge of £11,000 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 Shoreham-by-Sea.
What you can borrow against local incomes
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 West Sussex is £2,535 a year, which is £211 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 Shoreham-by-Sea detail first buyers ask about
The schools families ask about here are Shoreham primary schools, Shoreham Academy, The Sir Robert Woodard Academy (Sompting) and Independent schools (Brighton, Hove & Lancing). 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: Shoreham-by-Sea to Brighton takes about 10 to 15 min.
By price, Shoreham-by-Sea ranks 24 of the 33 West Sussex locations we cover, at £420,000 against a county average of £486,515. Band D council tax here is £2,535, against an average of £2,488 across the towns we cover in the county.
What your money buys in Shoreham-by-Sea
Shoreham-by-Sea is a sought-after, characterful coastal port town.
The full local guide covers schools, transport and the market in detail: Shoreham-by-Sea property and area guide.
| Budget | What it buys here |
|---|---|
| Around £200,000 to £300,000 | A flat or smaller terrace, the more accessible way into the town. |
| Around £300,000 to £500,000 | A terraced, town or semi-detached family home, or a newer development house, the heart of the Shoreham market. |
| £500,000 and above | A detached, period or beachfront home, especially on Shoreham Beach, the top of the local market, into seven figures for the finest houses. |
- A characterful coastal town
- The port, the beach & the houseboats
- Its own station & the A27 near
- Brighton next door
- The old town, St Mary de Haura & Marlipins
- Prices above the national average
- The town's own trains reach London via a change
- A tidal Adur / coastal flood-risk consideration
- Beachfront & houseboat homes need careful survey & lending
- Period homes need careful survey & checks
Shoreham-by-Sea is known locally for Shoreham Port & the harbour, and Shoreham Port. The working commercial harbour at the mouth of the Adur, timber, aggregates and a fishing fleet, that has been the heart of the town for centuries and gives it its maritime character.
Practical detail for Shoreham-by-Sea: the BN43 postcode district, Shoreham-by-Sea station, West Coastway line, direct to Brighton, Worthing & Portsmouth; change for London and nearest A and E is Worthing Hospital or Royal Sussex County (Brighton), verify with NHS.
Shoreham-by-Sea at a glance
| Upfront cost | Shoreham-by-Sea figure |
|---|---|
| Average price | £420,000 |
| Deposit at 10% | £42,000 |
| Stamp duty, first time buyer | £6,000 |
| Stamp duty, standard rate | £11,000 |
| Legal, survey and moving | £3,300 |
| Total cash needed | £51,300 |
| Monthly repayment illustration | £2,210 |
Figures are local averages used for illustration. Confirm your own numbers before acting on them.
Ask about Shoreham-by-Sea
Three details is all we need. You are told before anything is passed to a partner firm.
Your checklist
- Total cash of about £51,300, not just the deposit
- Your stamp duty position confirmed on gov.uk
- A first year running cost budget including £2,535 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 Shoreham-by-Sea
Broadband speeds can vary street by street in Shoreham-by-Sea, 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 Shoreham-by-Sea?
Do first time buyers pay stamp duty in Shoreham-by-Sea?
What is the biggest hidden cost?
How do I check broadband speed at a property in Shoreham-by-Sea?
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