Lincolnshire: Property, Schools and Retirement Costs
Across the 39 Lincolnshire locations we cover, the average property price is £228,974 and Band D council tax averages £2,361. Stamford is the most expensive at £380,000, Grimsby the least at £150,000.
The short answer
Across the 39 Lincolnshire locations we cover, the average property price is £228,974 and Band D council tax averages £2,361. Stamford is the most expensive at £380,000, Grimsby the least at £150,000.
Buying a home in Lincolnshire
The county average is £228,974. Across these locations 9 schools hold an Outstanding Ofsted rating and 76 schools are rated Good. School quality is the main reason prices differ between towns a few miles apart.
A 10% deposit on the county average is £22,897. Stamford runs 66% above that average, so the same deposit reaches further in Grimsby.
Average property price across Lincolnshire
Later life and property wealth in Lincolnshire
Owners aged 55 and over across Lincolnshire sit on an average £228,974 of property value. Typical release at 65 is around £77,851, and interest compounds against the estate from day one.
Downsizing within the county is the alternative most people skip. It costs fees and stamp duty but carries no compounding interest. Both routes are compared in the town guides below.
Retirement costs across Lincolnshire
Band D council tax averages £2,361 across these locations. That is £197 a month before anything else. Authorities set their own rate, so the bill can change with a short move.
Housing is the fixed line in any retirement budget. Each town guide converts the local figure into the pot needed to cover it at a 4% withdrawal rate.
Towns at a glance
| Town | Average price | Band D | Good or better schools | Guides |
|---|---|---|---|---|
| Stamford | £380,000 | £2,315 | 1 | Mortgage, Equity release, Pensions |
| Nettleham | £330,000 | £2,389 | 3 | Mortgage, Equity release, Pensions |
| Welton | £330,000 | £2,418 | 2 | Mortgage, Equity release, Pensions |
| Woodhall Spa | £300,000 | £2,233 | 3 | Mortgage, Equity release, Pensions |
| Market Deeping | £275,000 | £2,307 | 2 | Mortgage, Equity release, Pensions |
| Deeping St James | £270,000 | £2,300 | 2 | Mortgage, Equity release, Pensions |
| Bourne | £260,000 | £2,238 | 3 | Mortgage, Equity release, Pensions |
| Healing | £260,000 | £2,537 | 2 | Mortgage, Equity release, Pensions |
| Saxilby | £260,000 | £2,446 | 2 | Mortgage, Equity release, Pensions |
| Waltham | £260,000 | £2,506 | 2 | Mortgage, Equity release, Pensions |
| Caistor | £255,000 | £2,398 | 2 | Mortgage, Equity release, Pensions |
| Waddington | £250,000 | £2,322 | 1 | Mortgage, Equity release, Pensions |
| Humberston | £245,000 | £2,507 | 1 | Mortgage, Equity release, Pensions |
| Louth | £240,000 | £2,246 | 2 | Mortgage, Equity release, Pensions |
| Metheringham | £240,000 | £2,370 | 1 | Mortgage, Equity release, Pensions |
| Grantham | £235,000 | £2,256 | 4 | Mortgage, Equity release, Pensions |
| Sleaford | £235,000 | £2,357 | 2 | Mortgage, Equity release, Pensions |
| Pinchbeck | £225,000 | £2,299 | 3 | Mortgage, Equity release, Pensions |
| Horncastle | £220,000 | £2,293 | 2 | Mortgage, Equity release, Pensions |
| North Hykeham | £220,000 | £2,373 | 1 | Mortgage, Equity release, Pensions |
| Wyberton | £220,000 | £2,297 | 2 | Mortgage, Equity release, Pensions |
| Swineshead | £215,000 | £2,294 | 3 | Mortgage, Equity release, Pensions |
| Kirton | £210,000 | £2,295 | 3 | Mortgage, Equity release, Pensions |
| Market Rasen | £210,000 | £2,421 | 3 | Mortgage, Equity release, Pensions |
| Spalding | £210,000 | £2,244 | 3 | Mortgage, Equity release, Pensions |
| Crowland | £205,000 | £2,315 | 3 | Mortgage, Equity release, Pensions |
| Alford | £200,000 | £2,536 | 1 | Mortgage, Equity release, Pensions |
| Coningsby | £200,000 | £2,319 | 3 | Mortgage, Equity release, Pensions |
| Gedney | £200,000 | £2,288 | 1 | Mortgage, Equity release, Pensions |
| Holbeach | £200,000 | £2,331 | 3 | Mortgage, Equity release, Pensions |
| Long Sutton | £200,000 | £2,343 | 2 | Mortgage, Equity release, Pensions |
| Skegness | £190,000 | £2,320 | 1 | Mortgage, Equity release, Pensions |
| Sutton Bridge | £190,000 | £2,308 | 3 | Mortgage, Equity release, Pensions |
| Boston | £175,000 | £2,320 | 2 | Mortgage, Equity release, Pensions |
| Cleethorpes | £175,000 | £2,464 | 1 | Mortgage, Equity release, Pensions |
| Gainsborough | £165,000 | £2,401 | 2 | Mortgage, Equity release, Pensions |
| Mablethorpe | £165,000 | £2,380 | 3 | Mortgage, Equity release, Pensions |
| Immingham | £160,000 | £2,613 | 2 | Mortgage, Equity release, Pensions |
| Grimsby | £150,000 | £2,463 | 3 | Mortgage, Equity release, Pensions |
Compare towns directly
Side by side on price, deposit, schools and running costs.
Stamford or Brackley: Which Is Better Value?Stamford against Brackley.Nettleham or Cosby: Which Is Better Value?Nettleham against Cosby.Welton or Cosby: Which Is Better Value?Welton against Cosby.Woodhall Spa or Mountsorrel: Which Is Better Value?Woodhall Spa against Mountsorrel.Market Deeping or Cotgrave: Which Is Better Value?Market Deeping against Cotgrave.Deeping St James or Kettering: Which Is Better Value?Deeping St James against Kettering.
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Guides across Lincolnshire
- Alford: School Catchments and House Prices in Alford, The Real Cost of Buying a First Home in Alford, Downsizing in Alford: What You Would Actually Release, Council Tax in Alford: What Band D Really Costs
- Boston: School Catchments and House Prices in Boston, The Real Cost of Buying a First Home in Boston, Downsizing in Boston: What You Would Actually Release, Council Tax in Boston: What Band D Really Costs
- Bourne: School Catchments and House Prices in Bourne, The Real Cost of Buying a First Home in Bourne, Downsizing in Bourne: What You Would Actually Release, Council Tax in Bourne: What Band D Really Costs
- Caistor: School Catchments and House Prices in Caistor, The Real Cost of Buying a First Home in Caistor, Downsizing in Caistor: What You Would Actually Release, Council Tax in Caistor: What Band D Really Costs
- Cleethorpes: School Catchments and House Prices in Cleethorpes, The Real Cost of Buying a First Home in Cleethorpes, Downsizing in Cleethorpes: What You Would Actually Release, Council Tax in Cleethorpes: What Band D Really Costs
- Coningsby: School Catchments and House Prices in Coningsby, The Real Cost of Buying a First Home in Coningsby, Downsizing in Coningsby: What You Would Actually Release, Council Tax in Coningsby: What Band D Really Costs
- Crowland: School Catchments and House Prices in Crowland, The Real Cost of Buying a First Home in Crowland, Downsizing in Crowland: What You Would Actually Release, Council Tax in Crowland: What Band D Really Costs
- Deeping St James: School Catchments and House Prices in Deeping St James, The Real Cost of Buying a First Home in Deeping St James, Downsizing in Deeping St James: What You Would Actually Release, Council Tax in Deeping St James: What Band D Really Costs
- Gainsborough: School Catchments and House Prices in Gainsborough, The Real Cost of Buying a First Home in Gainsborough, Downsizing in Gainsborough: What You Would Actually Release, Council Tax in Gainsborough: What Band D Really Costs
- Gedney: School Catchments and House Prices in Gedney, The Real Cost of Buying a First Home in Gedney, Downsizing in Gedney: What You Would Actually Release, Council Tax in Gedney: What Band D Really Costs
- Grantham: School Catchments and House Prices in Grantham, The Real Cost of Buying a First Home in Grantham, Downsizing in Grantham: What You Would Actually Release, Council Tax in Grantham: What Band D Really Costs
- Grimsby: School Catchments and House Prices in Grimsby, The Real Cost of Buying a First Home in Grimsby, Downsizing in Grimsby: What You Would Actually Release, Council Tax in Grimsby: What Band D Really Costs
- Healing: School Catchments and House Prices in Healing, The Real Cost of Buying a First Home in Healing, Downsizing in Healing: What You Would Actually Release, Council Tax in Healing: What Band D Really Costs
- Holbeach: School Catchments and House Prices in Holbeach, The Real Cost of Buying a First Home in Holbeach, Downsizing in Holbeach: What You Would Actually Release, Council Tax in Holbeach: What Band D Really Costs
- Horncastle: School Catchments and House Prices in Horncastle, The Real Cost of Buying a First Home in Horncastle, Downsizing in Horncastle: What You Would Actually Release, Council Tax in Horncastle: What Band D Really Costs
- Humberston: School Catchments and House Prices in Humberston, The Real Cost of Buying a First Home in Humberston, Downsizing in Humberston: What You Would Actually Release, Council Tax in Humberston: What Band D Really Costs
- Immingham: School Catchments and House Prices in Immingham, The Real Cost of Buying a First Home in Immingham, Downsizing in Immingham: What You Would Actually Release, Council Tax in Immingham: What Band D Really Costs
- Kirton: School Catchments and House Prices in Kirton, The Real Cost of Buying a First Home in Kirton, Downsizing in Kirton: What You Would Actually Release, Council Tax in Kirton: What Band D Really Costs
- Long Sutton: School Catchments and House Prices in Long Sutton, Lincolnshire, The Real Cost of Buying a First Home in Long Sutton, Lincolnshire, Downsizing in Long Sutton, Lincolnshire: What You Would Actually Release, Council Tax in Long Sutton, Lincolnshire: What Band D Really Costs
- Louth: School Catchments and House Prices in Louth, The Real Cost of Buying a First Home in Louth, Downsizing in Louth: What You Would Actually Release, Council Tax in Louth: What Band D Really Costs
- Mablethorpe: School Catchments and House Prices in Mablethorpe, The Real Cost of Buying a First Home in Mablethorpe, Downsizing in Mablethorpe: What You Would Actually Release, Council Tax in Mablethorpe: What Band D Really Costs
- Market Deeping: School Catchments and House Prices in Market Deeping, The Real Cost of Buying a First Home in Market Deeping, Downsizing in Market Deeping: What You Would Actually Release, Council Tax in Market Deeping: What Band D Really Costs
- Market Rasen: School Catchments and House Prices in Market Rasen, The Real Cost of Buying a First Home in Market Rasen, Downsizing in Market Rasen: What You Would Actually Release, Council Tax in Market Rasen: What Band D Really Costs
- Metheringham: School Catchments and House Prices in Metheringham, The Real Cost of Buying a First Home in Metheringham, Downsizing in Metheringham: What You Would Actually Release, Council Tax in Metheringham: What Band D Really Costs
- Nettleham: School Catchments and House Prices in Nettleham, The Real Cost of Buying a First Home in Nettleham, Downsizing in Nettleham: What You Would Actually Release, Council Tax in Nettleham: What Band D Really Costs
- North Hykeham: School Catchments and House Prices in North Hykeham, The Real Cost of Buying a First Home in North Hykeham, Downsizing in North Hykeham: What You Would Actually Release, Council Tax in North Hykeham: What Band D Really Costs
- Pinchbeck: School Catchments and House Prices in Pinchbeck, How Much Deposit Do You Need to Buy in Pinchbeck?, The Real Cost of Buying a First Home in Pinchbeck, What a Lifetime Mortgage Really Costs in Pinchbeck, Downsizing in Pinchbeck: What You Would Actually Release, Inheritance Tax on a Pinchbeck Home, Stamp Duty on a Pinchbeck Home
- Saxilby: School Catchments and House Prices in Saxilby, The Real Cost of Buying a First Home in Saxilby, Downsizing in Saxilby: What You Would Actually Release, Council Tax in Saxilby: What Band D Really Costs
- Skegness: School Catchments and House Prices in Skegness, The Real Cost of Buying a First Home in Skegness, Downsizing in Skegness: What You Would Actually Release, Council Tax in Skegness: What Band D Really Costs
- Sleaford: School Catchments and House Prices in Sleaford, The Real Cost of Buying a First Home in Sleaford, Downsizing in Sleaford: What You Would Actually Release, Council Tax in Sleaford: What Band D Really Costs
- Spalding: School Catchments and House Prices in Spalding, The Real Cost of Buying a First Home in Spalding, Downsizing in Spalding: What You Would Actually Release, Council Tax in Spalding: What Band D Really Costs
- Stamford: School Catchments and House Prices in Stamford, The Real Cost of Buying a First Home in Stamford, Downsizing in Stamford: What You Would Actually Release, Council Tax in Stamford: What Band D Really Costs
- Sutton Bridge: School Catchments and House Prices in Sutton Bridge, The Real Cost of Buying a First Home in Sutton Bridge, Downsizing in Sutton Bridge: What You Would Actually Release
- Swineshead: School Catchments and House Prices in Swineshead, The Real Cost of Buying a First Home in Swineshead, Downsizing in Swineshead: What You Would Actually Release, Council Tax in Swineshead: What Band D Really Costs
- Waddington: School Catchments and House Prices in Waddington, The Real Cost of Buying a First Home in Waddington, Downsizing in Waddington: What You Would Actually Release, Council Tax in Waddington: What Band D Really Costs
- Waltham: School Catchments and House Prices in Waltham, The Real Cost of Buying a First Home in Waltham, Downsizing in Waltham: What You Would Actually Release, Council Tax in Waltham: What Band D Really Costs
- Welton: School Catchments and House Prices in Welton, The Real Cost of Buying a First Home in Welton, Downsizing in Welton: What You Would Actually Release, Council Tax in Welton: What Band D Really Costs
- Woodhall Spa: School Catchments and House Prices in Woodhall Spa, The Real Cost of Buying a First Home in Woodhall Spa, Downsizing in Woodhall Spa: What You Would Actually Release, Council Tax in Woodhall Spa: What Band D Really Costs
- Wyberton: School Catchments and House Prices in Wyberton, The Real Cost of Buying a First Home in Wyberton, Downsizing in Wyberton: What You Would Actually Release, Council Tax in Wyberton: What Band D Really Costs
Check broadband before you make an offer in Lincolnshire
Broadband speeds can vary street by street in Lincolnshire, 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.
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Questions people ask
Where are house prices highest in Lincolnshire?
Of the locations covered here, Stamford is highest at £380,000 and Grimsby lowest at £150,000.
How much is council tax in Lincolnshire?
Band D averages £2,361 a year across these locations. Each authority sets its own rate, so check the specific council before you budget.
Does That's Family Finance cover the whole of Lincolnshire?
For mortgages, equity release and pensions we introduce you to a separately regulated partner firm.
How do I check broadband speed at a property in Lincolnshire?
Use Ofcom's free broadband and mobile checker at checker.ofcom.org.uk. Enter the property's postcode and choose the address to see which broadband speeds and mobile coverage are available before you make an offer.
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