Surrey: Property, Schools and Retirement Costs
Across the 65 Surrey locations we cover, the average property price is £634,238 and Band D council tax averages £2,554. Cobham is the most expensive at £1,243,000, Stanwell the least at £420,000.
The short answer
Across the 65 Surrey locations we cover, the average property price is £634,238 and Band D council tax averages £2,554. Cobham is the most expensive at £1,243,000, Stanwell the least at £420,000.
Buying a home in Surrey
The county average is £634,238. Across these locations 26 schools hold an Outstanding Ofsted rating and 81 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 £63,424. Cobham runs 96% above that average, so the same deposit reaches further in Stanwell.
Average property price across Surrey
Later life and property wealth in Surrey
Owners aged 55 and over across Surrey sit on an average £634,238 of property value. Typical release at 65 is around £215,641, 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 Surrey
Band D council tax averages £2,554 across these locations. That is £213 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 |
|---|---|---|---|---|
| Cobham | £1,243,000 | £2,557 | 1 | Mortgage, Equity release, Pensions |
| Esher | £1,010,000 | £2,557 | 2 | Mortgage, Equity release, Pensions |
| Stoke d'Abernon | £1,000,000 | £2,557 | 1 | Mortgage, Equity release, Pensions |
| Claygate | £905,000 | £2,574 | 3 | Mortgage, Equity release, Pensions |
| Shere | £900,000 | £2,616 | 1 | Mortgage, Equity release, Pensions |
| Kingswood | £850,000 | £2,556 | 1 | Mortgage, Equity release, Pensions |
| Oxted | £832,000 | £2,551 | 1 | Mortgage, Equity release, Pensions |
| Chiddingfold | £813,000 | £2,635 | 3 | Mortgage, Equity release, Pensions |
| Thames Ditton | £800,000 | £2,557 | 1 | Mortgage, Equity release, Pensions |
| Weybridge | £800,000 | £2,557 | 2 | Mortgage, Equity release, Pensions |
| Great Bookham | £788,000 | £2,509 | 2 | Mortgage, Equity release, Pensions |
| Little Bookham | £788,000 | £2,509 | 3 | Mortgage, Equity release, Pensions |
| Chobham | £775,000 | £2,609 | 2 | Mortgage, Equity release, Pensions |
| Long Ditton | £750,000 | £2,557 | 2 | Mortgage, Equity release, Pensions |
| Windlesham | £750,000 | £2,622 | 1 | Mortgage, Equity release, Pensions |
| Ashtead | £743,000 | £2,418 | 1 | Mortgage, Equity release, Pensions |
| Ewhurst | £735,000 | £2,606 | 1 | Mortgage, Equity release, Pensions |
| East Molesey | £730,500 | £2,557 | 3 | Mortgage, Equity release, Pensions |
| Fetcham | £726,000 | £2,509 | 2 | Mortgage, Equity release, Pensions |
| Leatherhead | £726,000 | £2,418 | 2 | Mortgage, Equity release, Pensions |
| Pyrford | £725,000 | £2,598 | 1 | Mortgage, Equity release, Pensions |
| Haslemere | £722,500 | £2,605 | 3 | Mortgage, Equity release, Pensions |
| Hersham | £667,000 | £2,557 | 4 | Mortgage, Equity release, Pensions |
| Walton-on-Thames | £667,000 | £2,557 | 2 | Mortgage, Equity release, Pensions |
| Banstead | £646,000 | £2,567 | 1 | Mortgage, Equity release, Pensions |
| Tadworth | £642,000 | £2,556 | 1 | Mortgage, Equity release, Pensions |
| Ewell | £639,000 | £2,531 | 3 | Mortgage, Equity release, Pensions |
| Englefield Green | £625,000 | £2,493 | 1 | Mortgage, Equity release, Pensions |
| Horsell | £600,000 | £2,598 | 1 | Mortgage, Equity release, Pensions |
| Ottershaw | £600,000 | £2,493 | 2 | Mortgage, Equity release, Pensions |
| Shalford | £600,000 | £2,570 | 1 | Mortgage, Equity release, Pensions |
| West Byfleet | £600,000 | £2,598 | 1 | Mortgage, Equity release, Pensions |
| West End | £600,000 | £2,651 | 1 | Mortgage, Equity release, Pensions |
| Stoneleigh | £590,000 | £2,417 | 1 | Mortgage, Equity release, Pensions |
| Cranleigh | £579,000 | £2,605 | 2 | Mortgage, Equity release, Pensions |
| Bagshot | £575,000 | £2,622 | 2 | Mortgage, Equity release, Pensions |
| Bisley | £575,000 | £2,627 | 1 | Mortgage, Equity release, Pensions |
| Farncombe | £570,000 | £2,605 | 2 | Mortgage, Equity release, Pensions |
| Farnham | £570,000 | £2,605 | 3 | Mortgage, Equity release, Pensions |
| Warlingham | £555,000 | £2,595 | 3 | Mortgage, Equity release, Pensions |
| Godalming | £552,000 | £2,605 | 1 | Mortgage, Equity release, Pensions |
| Shepperton | £550,000 | £2,526 | 2 | Mortgage, Equity release, Pensions |
| Egham | £540,000 | £2,493 | 2 | Mortgage, Equity release, Pensions |
| West Molesey | £536,000 | £2,557 | 0 | Mortgage, Equity release, Pensions |
| Dorking | £533,000 | £2,418 | 1 | Mortgage, Equity release, Pensions |
Compare towns directly
Side by side on price, deposit, schools and running costs.
Cobham or Bray: Which Is Better Value?Cobham against Bray.Bray or Esher: Which Is Better Value?Bray against Esher.Esher or Sonning: Which Is Better Value?Esher against Sonning.Stoke d'Abernon or Cookham: Which Is Better Value?Stoke d'Abernon against Cookham.Cookham or Claygate: Which Is Better Value?Cookham against Claygate.Claygate or Chilworth: Which Is Better Value?Claygate against Chilworth.
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Guides across Surrey
The 45 largest locations we cover in Surrey by price, of 65 in total.
- Ashtead: School Catchments and House Prices in Ashtead, How Much Deposit Do You Need to Buy in Ashtead?, The Real Cost of Buying a First Home in Ashtead, What a Lifetime Mortgage Really Costs in Ashtead, Downsizing in Ashtead: What You Would Actually Release, Inheritance Tax on an Ashtead Home, Council Tax in Ashtead: What Band D Really Costs, Stamp Duty on an Ashtead Home
- Bagshot: School Catchments and House Prices in Bagshot, The Real Cost of Buying a First Home in Bagshot, Downsizing in Bagshot: What You Would Actually Release, Council Tax in Bagshot: What Band D Really Costs
- Banstead: School Catchments and House Prices in Banstead, How Much Deposit Do You Need to Buy in Banstead?, The Real Cost of Buying a First Home in Banstead, What a Lifetime Mortgage Really Costs in Banstead, Downsizing in Banstead: What You Would Actually Release, Inheritance Tax on a Banstead Home, Council Tax in Banstead: What Band D Really Costs, Stamp Duty on a Banstead Home
- Bisley: School Catchments and House Prices in Bisley, The Real Cost of Buying a First Home in Bisley, Downsizing in Bisley: What You Would Actually Release, Council Tax in Bisley: What Band D Really Costs
- Chiddingfold: School Catchments and House Prices in Chiddingfold, How Much Deposit Do You Need to Buy in Chiddingfold?, The Real Cost of Buying a First Home in Chiddingfold, What a Lifetime Mortgage Really Costs in Chiddingfold, Downsizing in Chiddingfold: What You Would Actually Release, Inheritance Tax on a Chiddingfold Home, Council Tax in Chiddingfold: What Band D Really Costs, Stamp Duty on a Chiddingfold Home
- Chobham: School Catchments and House Prices in Chobham, The Real Cost of Buying a First Home in Chobham, Downsizing in Chobham: What You Would Actually Release, Council Tax in Chobham: What Band D Really Costs
- Claygate: School Catchments and House Prices in Claygate, How Much Deposit Do You Need to Buy in Claygate?, The Real Cost of Buying a First Home in Claygate, What a Lifetime Mortgage Really Costs in Claygate, Downsizing in Claygate: What You Would Actually Release, Inheritance Tax on a Claygate Home, Council Tax in Claygate: What Band D Really Costs, Stamp Duty on a Claygate Home
- Cobham: School Catchments and House Prices in Cobham, How Much Deposit Do You Need to Buy in Cobham?, The Real Cost of Buying a First Home in Cobham, What a Lifetime Mortgage Really Costs in Cobham, Downsizing in Cobham: What You Would Actually Release, Inheritance Tax on a Cobham Home, Council Tax in Cobham: What Band D Really Costs, Stamp Duty on a Cobham Home
- Cranleigh: School Catchments and House Prices in Cranleigh, How Much Deposit Do You Need to Buy in Cranleigh?, The Real Cost of Buying a First Home in Cranleigh, What a Lifetime Mortgage Really Costs in Cranleigh, Downsizing in Cranleigh: What You Would Actually Release, Inheritance Tax on a Cranleigh Home, Council Tax in Cranleigh: What Band D Really Costs, Stamp Duty on a Cranleigh Home
- Dorking: School Catchments and House Prices in Dorking, How Much Deposit Do You Need to Buy in Dorking?, The Real Cost of Buying a First Home in Dorking, What a Lifetime Mortgage Really Costs in Dorking, Downsizing in Dorking: What You Would Actually Release, Inheritance Tax on a Dorking Home, Stamp Duty on a Dorking Home
- East Molesey: School Catchments and House Prices in East Molesey, How Much Deposit Do You Need to Buy in East Molesey?, The Real Cost of Buying a First Home in East Molesey, What a Lifetime Mortgage Really Costs in East Molesey, Downsizing in East Molesey: What You Would Actually Release, Inheritance Tax on an East Molesey Home, Stamp Duty on an East Molesey Home
- Egham: School Catchments and House Prices in Egham, How Much Deposit Do You Need to Buy in Egham?, The Real Cost of Buying a First Home in Egham, What a Lifetime Mortgage Really Costs in Egham, Downsizing in Egham: What You Would Actually Release, Inheritance Tax on an Egham Home, Stamp Duty on an Egham Home
- Englefield Green: School Catchments and House Prices in Englefield Green, The Real Cost of Buying a First Home in Englefield Green, Downsizing in Englefield Green: What You Would Actually Release
- Esher: School Catchments and House Prices in Esher, How Much Deposit Do You Need to Buy in Esher?, The Real Cost of Buying a First Home in Esher, What a Lifetime Mortgage Really Costs in Esher, Downsizing in Esher: What You Would Actually Release, Inheritance Tax on an Esher Home, Stamp Duty on an Esher Home
- Ewell: School Catchments and House Prices in Ewell, How Much Deposit Do You Need to Buy in Ewell?, The Real Cost of Buying a First Home in Ewell, What a Lifetime Mortgage Really Costs in Ewell, Downsizing in Ewell: What You Would Actually Release, Inheritance Tax on an Ewell Home, Council Tax in Ewell: What Band D Really Costs, Stamp Duty on an Ewell Home
- Ewhurst: School Catchments and House Prices in Ewhurst, How Much Deposit Do You Need to Buy in Ewhurst?, The Real Cost of Buying a First Home in Ewhurst, What a Lifetime Mortgage Really Costs in Ewhurst, Downsizing in Ewhurst: What You Would Actually Release, Inheritance Tax on an Ewhurst Home, Council Tax in Ewhurst: What Band D Really Costs, Stamp Duty on an Ewhurst Home
- Farncombe: School Catchments and House Prices in Farncombe, How Much Deposit Do You Need to Buy in Farncombe?, The Real Cost of Buying a First Home in Farncombe, What a Lifetime Mortgage Really Costs in Farncombe, Downsizing in Farncombe: What You Would Actually Release, Inheritance Tax on a Farncombe Home, Stamp Duty on a Farncombe Home
- Farnham: School Catchments and House Prices in Farnham
- Fetcham: School Catchments and House Prices in Fetcham, How Much Deposit Do You Need to Buy in Fetcham?, The Real Cost of Buying a First Home in Fetcham, What a Lifetime Mortgage Really Costs in Fetcham, Downsizing in Fetcham: What You Would Actually Release, Inheritance Tax on a Fetcham Home, Council Tax in Fetcham: What Band D Really Costs, Stamp Duty on a Fetcham Home
- Godalming: School Catchments and House Prices in Godalming, How Much Deposit Do You Need to Buy in Godalming?, The Real Cost of Buying a First Home in Godalming, What a Lifetime Mortgage Really Costs in Godalming, Downsizing in Godalming: What You Would Actually Release, Inheritance Tax on a Godalming Home, Stamp Duty on a Godalming Home
- Great Bookham: School Catchments and House Prices in Great Bookham, How Much Deposit Do You Need to Buy in Great Bookham?, The Real Cost of Buying a First Home in Great Bookham, What a Lifetime Mortgage Really Costs in Great Bookham, Downsizing in Great Bookham: What You Would Actually Release, Inheritance Tax on a Great Bookham Home, Stamp Duty on a Great Bookham Home
- Haslemere: School Catchments and House Prices in Haslemere, How Much Deposit Do You Need to Buy in Haslemere?, The Real Cost of Buying a First Home in Haslemere, What a Lifetime Mortgage Really Costs in Haslemere, Downsizing in Haslemere: What You Would Actually Release, Inheritance Tax on a Haslemere Home, Stamp Duty on a Haslemere Home
- Hersham: School Catchments and House Prices in Hersham, How Much Deposit Do You Need to Buy in Hersham?, The Real Cost of Buying a First Home in Hersham, What a Lifetime Mortgage Really Costs in Hersham, Downsizing in Hersham: What You Would Actually Release, Inheritance Tax on a Hersham Home, Stamp Duty on a Hersham Home
- Horsell: School Catchments and House Prices in Horsell, The Real Cost of Buying a First Home in Horsell, Downsizing in Horsell: What You Would Actually Release
- Kingswood: School Catchments and House Prices in Kingswood, The Real Cost of Buying a First Home in Kingswood, Downsizing in Kingswood: What You Would Actually Release, Council Tax in Kingswood: What Band D Really Costs
- Leatherhead: School Catchments and House Prices in Leatherhead, The Real Cost of Buying a First Home in Leatherhead, Downsizing in Leatherhead: What You Would Actually Release
- Little Bookham: How Much Deposit Do You Need to Buy in Little Bookham?
- Long Ditton: School Catchments and House Prices in Long Ditton, The Real Cost of Buying a First Home in Long Ditton, Downsizing in Long Ditton: What You Would Actually Release
- Ottershaw: School Catchments and House Prices in Ottershaw, The Real Cost of Buying a First Home in Ottershaw, Downsizing in Ottershaw: What You Would Actually Release
- Oxted: School Catchments and House Prices in Oxted, How Much Deposit Do You Need to Buy in Oxted?, The Real Cost of Buying a First Home in Oxted, What a Lifetime Mortgage Really Costs in Oxted, Downsizing in Oxted: What You Would Actually Release, Inheritance Tax on an Oxted Home, Stamp Duty on an Oxted Home
- Pyrford: School Catchments and House Prices in Pyrford, The Real Cost of Buying a First Home in Pyrford, Downsizing in Pyrford: What You Would Actually Release
- Shalford: School Catchments and House Prices in Shalford, The Real Cost of Buying a First Home in Shalford, Downsizing in Shalford: What You Would Actually Release
- Shepperton: School Catchments and House Prices in Shepperton, The Real Cost of Buying a First Home in Shepperton, Downsizing in Shepperton: What You Would Actually Release
- Shere: School Catchments and House Prices in Shere, The Real Cost of Buying a First Home in Shere, Downsizing in Shere: What You Would Actually Release, Council Tax in Shere: What Band D Really Costs
- Stoke d'Abernon: School Catchments and House Prices in Stoke d'Abernon, The Real Cost of Buying a First Home in Stoke d'Abernon, Downsizing in Stoke d'Abernon: What You Would Actually Release
- Stoneleigh: School Catchments and House Prices in Stoneleigh, How Much Deposit Do You Need to Buy in Stoneleigh?, The Real Cost of Buying a First Home in Stoneleigh, What a Lifetime Mortgage Really Costs in Stoneleigh, Downsizing in Stoneleigh: What You Would Actually Release, Inheritance Tax on a Stoneleigh Home, Council Tax in Stoneleigh: What Band D Really Costs, Stamp Duty on a Stoneleigh Home
- Tadworth: School Catchments and House Prices in Tadworth, How Much Deposit Do You Need to Buy in Tadworth?, The Real Cost of Buying a First Home in Tadworth, What a Lifetime Mortgage Really Costs in Tadworth, Downsizing in Tadworth: What You Would Actually Release, Inheritance Tax on a Tadworth Home, Stamp Duty on a Tadworth Home
- Thames Ditton: School Catchments and House Prices in Thames Ditton, The Real Cost of Buying a First Home in Thames Ditton, Downsizing in Thames Ditton: What You Would Actually Release
- Walton-on-Thames: School Catchments and House Prices in Walton-on-Thames
- Warlingham: School Catchments and House Prices in Warlingham, How Much Deposit Do You Need to Buy in Warlingham?, The Real Cost of Buying a First Home in Warlingham, What a Lifetime Mortgage Really Costs in Warlingham, Downsizing in Warlingham: What You Would Actually Release, Inheritance Tax on a Warlingham Home, Council Tax in Warlingham: What Band D Really Costs, Stamp Duty on a Warlingham Home
- West Byfleet: School Catchments and House Prices in West Byfleet
- West End: School Catchments and House Prices in West End, Surrey, The Real Cost of Buying a First Home in West End, Surrey, Downsizing in West End, Surrey: What You Would Actually Release, Council Tax in West End, Surrey: What Band D Really Costs
- West Molesey: School Catchments and House Prices in West Molesey, How Much Deposit Do You Need to Buy in West Molesey?, The Real Cost of Buying a First Home in West Molesey, What a Lifetime Mortgage Really Costs in West Molesey, Downsizing in West Molesey: What You Would Actually Release, Inheritance Tax on a West Molesey Home, Stamp Duty on a West Molesey Home
- Weybridge: School Catchments and House Prices in Weybridge, How Much Deposit Do You Need to Buy in Weybridge?
- Windlesham: School Catchments and House Prices in Windlesham, The Real Cost of Buying a First Home in Windlesham, Downsizing in Windlesham: What You Would Actually Release
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Questions people ask
Where are house prices highest in Surrey?
Of the locations covered here, Cobham is highest at £1,243,000 and Stanwell lowest at £420,000.
How much is council tax in Surrey?
Band D averages £2,554 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 Surrey?
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 Surrey?
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.
Your home may be repossessed if you do not keep up repayments on your mortgage.