Hermitage or Chertsey: Which Is Better Value?
Hermitage averages £520,000 against £515,000 in Chertsey, a gap of £5,000 or 1%. You would need £500 more deposit and about £26 a month more on a repayment mortgage at an assumed 5% over 25 years. Chertsey charges £12 more council tax at Band D.
Hermitage averages £520,000 against £515,000 in Chertsey, a gap of £5,000 or 1%. You would need £500 more deposit and about £26 a month more on a repayment mortgage at an assumed 5% over 25 years. Chertsey charges £12 more council tax at Band D.
Price and deposit
The headline gap is £5,000, or 1%. On a 10% deposit that is £500 more cash to find before you start. Detached homes average £550,000 against £526,000.
Hermitage against Chertsey
Town guides for each: Mortgage advice in Hermitage and Mortgage advice in Chertsey.
Schools and families
Hermitage has more schools graded Outstanding at their last graded Ofsted inspection (before September 2024), with 1 against 0 in Chertsey. Counting last graded Ofsted inspections (before September 2024), Hermitage has 2 schools and Chertsey has 2 schools graded Good or better.
A strong catchment in the cheaper town can cost more than an average street in the dearer one. Compare catchments, not averages.
Running costs and getting to work
Band D council tax is £2,481 in Hermitage and £2,493 in Chertsey, a difference of £12 a year.
The honest verdict
Chertsey is cheaper to buy on these figures. Hermitage carries the higher price and, on this data, the stronger school profile.
Neither is right in the abstract. If the deposit is your constraint, the £500 difference matters more than anything else here. If catchment is the constraint, price follows the school you need.
What each town is actually like
Price is one axis. These are the things people move for, and the things they find out afterwards.
Hermitage
In its favour- A friendly, well-served downland village
- Good village amenities (shop, two pubs, church, garden centre)
- The North Wessex Downs on the doorstep
- A strong community & a literary past
- No railway station (Newbury/Thatcham a short drive)
- Above-average prices
- Larger period & country homes mean substantial lending
- No major A&E in the village (Reading, a drive)
Best for Families ★★★★★
Its own primary feeds the highly rated Downs School at Compton, with amenities and countryside for children.
Chertsey
In its favour- The M25 (Junction 11) and Heathrow on the doorstep
- St Peter's Hospital, with A&E, in the town
- Deep heritage and a historic market town
- More accessible prices than the priciest towns
- Serious floodplain flood risk (Thames & Bourne)
- Insurance and lending can be affected near the river
- A working town rather than a pretty village
- Rail to London is slower than some neighbours
Best for Commuters (to London) ★★★★☆
Chertsey station to London Waterloo plus the M25 (Junction 11) on the doorstep and the M3 and Heathrow close by, strong links, though the rail line is a branch rather than a fast main line.
Hermitage and Chertsey, side by side
| Measure | Hermitage | Chertsey |
|---|---|---|
| Average property price | £520,000 | £515,000 |
| Average detached | £550,000 | £526,000 |
| 10% deposit | £52,000 | £51,500 |
| Illustrative monthly payment | £2,736 | £2,710 |
| Band D council tax | £2,481 | £2,493 |
| Outstanding rated schools | 1 | 0 |
| Good rated schools | 1 | 2 |
Local averages used for illustration. Confirm your own figures before acting.
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Questions people ask
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