Mortgage Advice in Stubbington: Property, Schools & Local Area Guide
Stubbington
A buyer’s guide to Stubbington — property prices and council tax, schools and their real Ofsted position, transport, healthcare, flood risk, the local lending realities, and the questions worth asking before you commit.
- Quick Answers
- Prices
- Market
- Why Stubbington
- Transport
- Schools
- Police & Fire
- Areas
- Healthcare
- Flood
- History
- Beyond the Mortgage
- FAQs
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That’s Family Finance is an FCA-regulated protection adviser (life insurance, critical illness cover and income protection). We do not arrange mortgages ourselves — we introduce you to carefully selected, award-winning, FCA-regulated mortgage advisers, with no obligation.
Figures in this guide were correct when it was produced and do change. Always verify council tax with the local council, school ratings with Ofsted and journey times with the operator before you rely on them. This guide is information, not financial or mortgage advice.
Mortgage Advice in Stubbington: Property, Schools & Local Area Guide
Whether you're buying your first home in Stubbington, remortgaging, upsizing or simply researching this popular Hampshire village — a large, friendly coastal village near the Solent shore at Hill Head, in the Fareham borough, with the Titchfield Haven nature reserve, good schools and the sea close by — this guide covers what buyers and homeowners actually want to know.
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Quick answers about Stubbington
Click any question to expand the full detail and sources.
Is Stubbington a good place to live?⌄
Yes — a large, popular coastal village.
Yes — Stubbington is one of the most popular villages in the Fareham area (PO14), part of the Fareham borough, set near the Solent coast at Hill Head, to the south-west of Fareham. A large, friendly and family-oriented village that has grown to a good size, it has a busy village centre with plenty of shops, well-regarded Crofton schools, the Titchfield Haven nature reserve and the shingle beach at Hill Head close by, and neighbouring Lee-on-the-Solent and Solent Airport (Daedalus) nearby. Its draws are its coastal setting, its schools and its village feel, with Fareham and the M27 within easy reach. The main things to weigh are that it has no railway station of its own, and low ground near the coast carries a flood consideration.
Sources: en.wikipedia.org/wiki/Stubbington | rightmove.co.uk — Stubbington
Is Stubbington expensive?⌄
Mid-to-upper — often £300,000–£500,000+.
Stubbington is a sought-after coastal village, with overall averages often in the region of £300,000 to £500,000; flats and smaller houses offer the more accessible ways in, while larger detached and coast-side homes run well beyond. Its Crofton schools, its village feel and its position near the Solent all drive steady demand. Always verify current prices via Land Registry data or independent valuation advice for the exact property.
Sources: rightmove.co.uk — Stubbington | landregistry.data.gov.uk
Does Stubbington have a railway station?⌄
No — but Fareham is about three miles away.
No — Stubbington has no railway station of its own, but Fareham station, on the main line with direct trains to London Waterloo, is only about three miles to the north-east (a short drive or bus ride). For drivers, the M27 (junction 9) is close by, giving quick links to Fareham, Portsmouth, Southampton and (via the M3) London. Regular buses connect Stubbington and Hill Head with Fareham and its station. If a train commute matters, factor in the short trip to Fareham station.
Sources: southwesternrailway.com — Fareham
What is Stubbington known for?⌄
Its coast, its schools & its history.
Stubbington is known as a large, popular coastal village near the Solent. It and neighbouring Crofton were both recorded in the Domesday Book as belonging to the estates of Titchfield Abbey, and during the 19th century Stubbington grew to take in Crofton and the small fishing village of Hill Head. The old Crofton church, St Edmund’s, has parts thought to date back many centuries, and the newer Holy Rood Church was built in 1878. The village was also long the home of Stubbington House School, a Victorian boys’ preparatory school; its former site is now the community centre. Today Stubbington is loved for its Crofton schools, its village centre, and the coast at Hill Head and the Titchfield Haven nature reserve.
Sources: fareham.gov.uk — Stubbington
Where is the nearest A&E to Stubbington?⌄
QA Hospital (Cosham) — a drive.
The nearest major hospital with an A&E is Queen Alexandra Hospital (QA) at Cosham, on the edge of Portsmouth, a drive to the east, with Southampton General Hospital a further option to the west; there is GP provision locally. Because emergency provision and services can change, always confirm the nearest current A&E and the arrangements directly with the NHS before relying on it.
Sources: porthosp.nhs.uk
Is Stubbington right for you?
Every town suits some buyers better than others — here is how Stubbington rates for the people who most often buy here, and why.
| Buyer type | Rating | Why |
|---|---|---|
| Families | ★★★★★ | The well-regarded Crofton primaries and secondary, a busy village centre and the beach and nature reserve near by make this a strong, popular family village. |
| Retirees | ★★★★☆ | A coastal village with the Solent shore, walks and full amenities on the doorstep — though the nearest A&E and station are a drive at Fareham. |
| Downsizers | ★★★★☆ | A well-served village with shops and services close by suits buyers wanting coast and convenience without a big house to run. |
| First-time buyers | ★★★☆☆ | A popular village keeps prices firm, but flats and smaller homes give a way in, with Fareham near for cheaper stock. |
| Commuters (to London) | ★★☆☆☆ | No station in the village — you drive to Fareham (~3 miles) for the line, so it suits local and car commuters far more than London ones. |
An honest, at-a-glance summary of what Stubbington does brilliantly — and what to weigh carefully — before you commit.
Stubbington at a glance
The key facts buyers ask us about most, in one place.
| Fact | Detail |
|---|---|
| County & councils | Hampshire (two-tier): Hampshire County Council & Fareham Borough Council |
| Postcode district | PO14 |
| Approx. character | A large coastal village near the Solent shore at Hill Head |
| Average house price | Mid-to-upper — often £300,000–£500,000+; larger coast-side homes beyond; sources vary |
| Railway | No own station — Fareham (~3mi, main line, direct to London) |
| Nearest A&E | Queen Alexandra Hospital (QA), Cosham — a drive; verify with NHS |
| Schools | Hampshire non-selective; well-regarded Crofton primary & secondary schools; check catchment |
| Known for | Its coast at Hill Head, the Crofton schools & its history (Titchfield Abbey link, Stubbington House School) |
| Population | A large village — the wider area now numbers well over 20,000 |
| Roads | Near the M27 (junction 9) — Fareham, Portsmouth, Southampton & M3/London |
| Green space | The coast at Hill Head, Titchfield Haven nature reserve & local parks |
| Council tax (Band D) | £2,270.55 for 2026/27 (Stubbington, unparished; verified) — confirm your exact band |
Property prices & council tax in Stubbington
Stubbington is a sought-after coastal village, popular with families for its Crofton schools and its position near the sea. It offers flats and smaller houses, plenty of family homes, and larger detached and coast-side properties. Published figures vary by property and area, so treat the ranges below as a broad guide and verify for the exact home.
| Property type / area | Typical position in the market | Who it suits |
|---|---|---|
| Flats & smaller homes | Indicatively around £180,000–£275,000 | First-time buyers; the more accessible ways in |
| Terraced & starter homes | Indicatively around £275,000–£375,000 | First-time buyers; smaller families |
| Semi-detached & family homes | Indicatively around £350,000–£500,000 | Growing families |
| Stubbington average | Mid-to-upper — often £300,000–£500,000+ (verify per property) | A broad benchmark for the village |
| Detached & coast-side homes | Indicatively £500,000–£850,000+ | Buyers wanting a larger or coast-side home |
What income might you need?
These illustrative figures use roughly 4.5x household income and assume a typical deposit. They are a starting point for budgeting only — not a quote or advice.
£300,000
Smaller / family home
~£67,000
household income (guide)
£425,000
Village benchmark
~£94,000
household income (guide)
£600,000
Larger/coast-side home (indicative)
~£133,000
household income (guide)
Stubbington affordability & stamp duty calculator
A quick, no-obligation way to see roughly what you could borrow in Stubbington and what stamp duty you'd pay. Illustration only — real figures depend on the lender and your circumstances.
Illustration only, not a mortgage offer or personalised advice. Lenders' income multiples and criteria vary. Your home may be repossessed if you do not keep up repayments on your mortgage.
Borrowing ready-reckoner (around 4.5× income)
| Yearly income | Rough maximum mortgage |
|---|---|
| £40,000 | ~£180,000 |
| £60,000 | ~£270,000 |
| £75,000 | ~£337,500 |
| £90,000 | ~£405,000 |
| £120,000 | ~£540,000 |
Stamp duty (SDLT) in 2026 — England
| Portion of price | Standard rate | First-time buyer |
|---|---|---|
| Up to £125,000 | 0% | 0% (up to £300,000) |
| £125,001 – £250,000 | 2% | 0% (up to £300,000) |
| £250,001 – £925,000 | 5% | 5% on £300,001–£500,000 (no relief over £500,000) |
| £925,001 – £1.5m | 10% | — |
| Over £1.5m | 12% | — |
Worked examples: a £250,000 home = £2,500 stamp duty (£0 for first-time buyers); a £450,000 home = £12,500 (£7,500 first-time buyer); a £650,000 home = £22,500 (first-time buyer relief doesn't apply over £500,000). An additional-property surcharge of 5% applies to second homes and buy-to-lets.
SDLT rates as at 2026 (England & Northern Ireland). Scotland (LBTT) and Wales (LTT) differ. Figures are a guide — confirm with your conveyancer.
The Stubbington property market in depth
Stubbington offers a family-friendly coastal market — flats and smaller houses, plenty of family homes, and larger detached and coast-side properties — with its Crofton schools, its village feel and its position near the Solent all driving steady demand.
| Property type | What to expect | Typical guide |
|---|---|---|
| Flats & smaller homes | The more accessible way in; popular with first-time buyers. | £180,000–£275,000 |
| Terraced & starter homes | Starter houses in and around the village centre. | £275,000–£375,000 |
| Semi-detached & family homes | The heart of the market — family housing across the village. | £350,000–£500,000 |
| Detached & coast-side homes | Larger detached and coast-side homes — the top of the local market. | £500,000–£850,000+ |
Stubbington's appeal — a large, popular coastal village near the Solent, with well-regarded Crofton schools, a busy village centre and the beach and nature reserve close by — makes for a steady, family-driven market, from flats to larger coast-side houses.
That mix means budgeting and the right mortgage matter. Coast-side and older homes here involve careful surveys and, near the water, flood and insurance checks, so a full survey is wise. A whole-of-market mortgage adviser helps you match the right lender to your plans — the kind of introduction we can arrange.
What makes Stubbington so popular?
Stubbington's appeal is its coast, its schools and its village feel near the sea.
The coast at Hill Head
The shingle beach and sailing at Hill Head, with the Titchfield Haven nature reserve at the mouth of the Meon — the sea, wildlife and long Solent views on the doorstep.
The Crofton schools
Well-regarded Crofton primary and secondary schools make Stubbington especially popular with families — check the current catchment.
A busy village centre
A large village with a genuine centre — shops, supermarkets, cafes, pubs and services — giving day-to-day life without needing the town for everything.
Transport & commuting from Stubbington
Transport in Stubbington is road-led, with Fareham’s main line close by. These indicative times are a starting point — always verify current timetables before relying on a specific journey.
| Route | Approx. time | Notes |
|---|---|---|
| Stubbington → Fareham station | ~10–15 min drive/bus | The main-line station (direct to London), about three miles north-east |
| Stubbington → London Waterloo | ~1hr 50 total | Via Fareham station (direct main-line trains) |
| Stubbington → the M27 (J9) | ~10 min drive | For Fareham, Portsmouth, Southampton & (via the M3) London |
| Stubbington → Portsmouth | ~30 min drive | The city, its harbour & the ferries |
| Stubbington → Southampton | ~30 min drive | The city, its shopping & airport |
| Stubbington → Southampton Airport | ~30 min drive | The regional airport & its own main-line station |
| Stubbington → Hill Head & the coast | ~5 min drive | The shingle beach & the Titchfield Haven nature reserve |
| Stubbington → Lee-on-the-Solent | ~5–10 min drive | The seafront, the Solent & Solent Airport (Daedalus) |
Getting around Stubbington
Day-to-day mobility here is worth thinking through — the practical picture.
By car
The M27 (junction 9) is close by — quick to Fareham, Portsmouth and Southampton and, via the M3, London; a car is very useful here, though the road towards Fareham can be busy at peak times.
By train
No station in the village, but Fareham station (direct main-line trains to London Waterloo) is about three miles to the north-east.
For the airport
Southampton Airport is about thirty minutes by road (and has its own main-line station) — reachable for flights.
By bus
Regular bus services connect Stubbington and Hill Head with Fareham and its railway station — check current routes and frequencies.
On foot & by bike
The coast at Hill Head, the Titchfield Haven nature reserve and local parks give lovely walking and cycling, and the village centre is walkable.
For the commute
Stubbington suits Fareham, Portsmouth and Southampton workers, and those happy to drive or bus to Fareham station for a direct London train — a coastal, village base.
Schools in Stubbington
Hampshire state schools are mostly comprehensive and non-selective. Stubbington is well served by the Crofton schools, with further options in nearby Fareham. Because catchments and admissions matter, confirm the current position directly.
| School | Type | Inspection | Notes |
|---|---|---|---|
| Crofton Anne Dale Junior School | Primary (state, co-ed) | Good | One of the well-regarded Crofton primary schools serving the village (with its paired infant school) — rated Good at its most recent Ofsted inspection (January 2025); check the current catchment and its latest report. |
| Crofton School | Secondary (state, co-ed) | Read report | The village’s secondary school (an academy since 2023) — its predecessor was rated Good, and it was inspected under the new ungraded framework in 2026; check catchment, admissions and read the latest report. |
| Sixth-form & college | 16–18 (state) | See options | Sixth-form and college options in Fareham and Portsmouth — check each provider. |
| Independent options (Portsmouth/Southampton) | Independent (co-ed & single-sex) | See schools | Independent schools around Portsmouth and Southampton — a further option; check each school. |
Map, Police & Fire Services in Stubbington
A useful local guide should show the practical services buyers actually check — policing, fire cover, emergency healthcare and the local crime context for Stubbington.
Interactive map of Stubbington — view it on the online guide at thatsfamilyfinance.co.uk.
Popular parts of Stubbington & nearby
Where you buy in Stubbington shapes both your budget and your character — from the village centre to the coast at Hill Head. A quick orientation.
Local highlights & days out from Stubbington
Stubbington packs the coast, good schools and a real village centre into one popular spot near the Solent. A few of the best-loved local highlights.
Sports, leisure & community in Stubbington
Stubbington offers the coast, the nature reserve, a busy village centre and Fareham close by.
The coast & nature
The beach and sailing at Hill Head, the Titchfield Haven nature reserve, and the seafront at neighbouring Lee-on-the-Solent — the sea, wildlife and walks close by.
The village & sport
A busy village centre with shops, cafes and pubs, plus local parks, recreation grounds and sports clubs — plenty for day-to-day life.
Fareham, Portsmouth & the coast
Fareham for its shopping centre, and Portsmouth and Southampton within reach for city shopping, culture and the waterfront.
Healthcare & local services in Stubbington
Healthcare access is reasonable for a large village — GP provision locally, and QA Hospital a drive away.
The village has GP provision, with dentists and pharmacies locally and in nearby Fareham; the nearest major hospital with an A&E is Queen Alexandra Hospital (QA) at Cosham, on the edge of Portsmouth, a drive to the east, with Southampton General Hospital a further option to the west. GP and dental registration availability changes over time, so always check directly with a practice about its current catchment before relying on it for a move, and confirm the nearest current A&E with the NHS.
Living in Stubbington
Day to day, Stubbington is a large, friendly coastal village near the Solent shore at Hill Head — with well-regarded Crofton schools, a busy village centre, and the beach and the Titchfield Haven nature reserve on the doorstep. Here is a sense of everyday life.
Stubbington has the amenities of a large, well-served village — a busy centre with shops, supermarkets, cafes, pubs and a range of services, the Crofton primary and secondary schools, churches, parks and recreation grounds, and the coast at Hill Head and the Titchfield Haven nature reserve nearby — with neighbouring Fareham (about three miles) for its shopping centre and main-line station, and Portsmouth and Southampton within reach. The big everyday pluses are the schools, the village feel and the sea.
Connectivity for working is generally good — superfast and full-fibre broadband reach much of the village, so home and hybrid working is well supported, complemented by the short drive or bus to Fareham’s trains and the M27 for office days. The main trade-offs are that there is no station in the village, the single road towards Fareham can be busy at peak times, and there is a flood-risk consideration on low ground near the coast — but for family life near the sea it is one of the most popular villages in the area.
| Everyday amenity | In Stubbington? | Nearest / notes |
|---|---|---|
| Primary schools | Yes | Well-regarded Crofton primary schools; check catchment |
| Secondary schools | Yes (Crofton) | Crofton School in the village; Fareham secondaries near; check catchment |
| GP & hospital | Local / hospital a drive | GP provision locally; Queen Alexandra Hospital (QA), Cosham |
| Nearest A&E | A drive (QA, Cosham) | Queen Alexandra Hospital; Southampton General a further option — verify with NHS |
| Railway station | No (Fareham ~3mi) | No own station; Fareham direct to London, ~3mi north-east |
| Shops | Yes (village centre) + Fareham near | A busy village centre with supermarkets & shops; Fareham’s shopping centre close |
| Green space | Yes | The coast at Hill Head, Titchfield Haven & local parks |
Working & connectivity in Stubbington
More people than ever work from home or hybrid, and Stubbington is well set up for it — but it's still worth being realistic about connectivity.
Superfast and full-fibre broadband reach much of Stubbington, so home and hybrid working is well supported — complemented by the short drive or bus to Fareham’s trains and the M27 for office days. Coverage can still vary by exact address, so check the specific property on the providers' and Ofcom's coverage checkers before you commit.
| Connectivity | Typical picture |
|---|---|
| Fixed broadband | Superfast widely available; full-fibre in much of the village — check the exact address |
| Mobile coverage | Generally good across the village; check the exact address |
| Rail for office days | No own station; Fareham (~3mi) direct to London Waterloo |
| Road & air | M27 (J9) near; Southampton Airport ~30 min |
Flood risk in Stubbington
On flooding, much of the village sits on higher ground back from the sea, but the low ground near the coast at Hill Head and towards Titchfield Haven carries a real coastal, surface-water and tidal flood consideration worth checking carefully.
Cost of living & running a home in Stubbington
Beyond the mortgage, it helps to picture the ongoing costs of a home here. Indicative only — always confirm for a specific property.
| Typical ongoing cost | Indicative figure | Notes |
|---|---|---|
| Council tax (Band D, 2026/27) | £2,270.55 | Hampshire, Stubbington (unparished) (verified) — confirm your band |
| Buildings insurance | Varies — check low ground | Coastal, surface-water & tidal flood risk near Hill Head/the coast can affect premiums; get a quote and flood check before committing |
| Water & wastewater | ~£500–£800/yr | Southern Water area — check the supplier for the address |
| Broadband | ~£30–£50/mth | Superfast & full-fibre widely available — check the address |
Financing a home in Stubbington
A large, popular coastal village near the Solent is a lovely place to buy into, and a few points on the mortgage side are worth understanding first.
Stubbington's coastal setting and mix of homes mean that near the water — and on older or larger properties — careful surveys and flood and insurance checks matter; coast-side homes are cases lenders and surveyors look at carefully, so a full survey is wise near the sea. Getting the right lender and the right mortgage for your circumstances is where good advice pays off.
A whole-of-market approach really helps here. That's Family Finance introduces you to carefully selected, FCA-regulated mortgage advisers who search across lenders to fit your circumstances — including coast-side and higher-value cases — and we make sure your protection is set up properly alongside it. Talk to us →
Conveyancing & the searches to expect in Stubbington
A few standard checks are worth their weight when buying in Stubbington — especially flood near the coast and the usual property checks.
History, heritage & famous connections
Stubbington has a long history by the Solent. It and neighbouring Crofton were both recorded in the Domesday Book of 1086 as small districts belonging to the estates of Titchfield Abbey, and the old Crofton church, St Edmund’s, has parts whose origins are thought to reach back many centuries. For most of its history Stubbington was a small farming settlement near the coast, with the little fishing village of Hill Head at the shore.
During the 19th century Stubbington grew, taking in Crofton and Hill Head, and a new church, Holy Rood, was built in 1878. The village was also long the home of Stubbington House School, a well-known Victorian boys’ preparatory school founded in 1841, which had a strong naval connection and prepared boys for the Royal Navy; the school moved away in 1962 and its former site is now the village community centre. In the 20th century Stubbington expanded greatly with new housing to become the large, popular coastal village it is today, close to Lee-on-the-Solent and the historic airfield at Solent Airport (Daedalus).
Stubbington through the ages
A quick timeline of the moments that shaped the town you would be buying into.
| Year | Milestone |
|---|---|
| 1086 | Stubbington and Crofton are recorded in the Domesday Book as estates of Titchfield Abbey. |
| Medieval | The old Crofton church of St Edmund’s serves the area, with origins thought to reach back many centuries; Hill Head is a small fishing village at the coast. |
| 1841 | Stubbington House School, a boys’ preparatory school with a strong naval connection, is founded in the village. |
| 1878 | The new Holy Rood Church is built as Stubbington grows and takes in Crofton and Hill Head. |
| 1962 | Stubbington House School moves away; its former site later becomes the village community centre. |
| 20th c–today | Stubbington expands greatly with new housing into the large, popular coastal village of today, near Lee-on-the-Solent and Solent Airport (Daedalus). |
Famous connections
A few of the people and stories that put Stubbington on the map.
The Titchfield Abbey link
Stubbington and Crofton were both recorded in the Domesday Book as belonging to the estates of the great Titchfield Abbey nearby — a link reaching back to 1086.
Stubbington House School
A well-known Victorian boys’ preparatory school, founded in 1841 with a strong naval connection, long a landmark of the village; its former site is now the community centre.
The coast & Solent Airport (Daedalus)
The coast at Hill Head and Titchfield Haven, and the historic airfield at neighbouring Solent Airport (Daedalus, the former naval air station), give the village its coastal character.
Looking beyond the mortgage
Buying a home in Stubbington is a major commitment — and the mortgage is only part of the picture. Whatever you buy, the right protection makes sure the home stays yours if life does not go to plan.
Life cover
Pays out a lump sum if you die during the policy term — typically arranged to clear the mortgage so your family can stay in the home.
Critical illness cover
Pays out if you are diagnosed with a serious illness the policy covers — helping you keep up payments while you focus on recovery.
Income protection
Replaces part of your income if you cannot work due to illness or injury — often the most overlooked, and most valuable, cover of all.
That's Family Finance is an FCA-regulated protection adviser — life insurance, critical illness cover and income protection are what we do. We don't arrange mortgages ourselves; we introduce you to carefully selected, FCA-regulated mortgage advisers, and make sure your protection is set up properly alongside it. Talk to us →
Things people don't always tell you about Stubbington
Beyond the brochure, a few honest points worth weighing before you commit to buying here.
Stubbington compared with nearby towns
How Stubbington sits against the places buyers most often weigh against it — a quick, indicative comparison.
| Town | Rough average price | Station? | Character |
|---|---|---|---|
| Stubbington | ~£300k–£500k+ | No (Fareham ~3mi, direct to London) | Large coastal village near Hill Head; Crofton schools; family & village feel |
| Fareham | ~£275k–£475k | Yes (main line, direct to London) | The larger market town to the north-east, with its own station & shopping centre |
| Titchfield | ~£350k–£600k+ | No (Fareham ~2mi) | The historic Meon-valley village to the north, premium & period |
| Lee-on-the-Solent | ~£300k–£550k | No (Fareham near) | The seaside town to the south-west, with a long seafront |
| Warsash | ~£375k–£650k | No (Swanwick near) | The sailing village to the west, at the mouth of the Hamble |
Pros & cons of living in Stubbington
An honest, balanced summary to weigh up.
| In its favour | To weigh carefully |
|---|---|
| A large, popular coastal village | No station in the village (Fareham ~3mi) |
| Well-regarded Crofton schools | The main road towards Fareham can be busy at peak times |
| The coast at Hill Head & Titchfield Haven | A flood consideration on low ground near the coast |
| A busy village centre with shops | Coast-side & older homes need careful surveys |
| Family-friendly village feel | Larger/coast-side homes mean substantial lending |
| Fareham & the coast close by | A car is very useful for day-to-day life |
Villages & areas around Stubbington
Many buyers who love Stubbington look just outside it too — a quick guide.
Who tends to move to Stubbington?
Understanding your fellow buyers helps you read the market and pitch an offer.
Families
People drawn to the well-regarded Crofton primary and secondary schools, the coast and the village feel, wanting family life near the sea with Fareham’s shops and station close by.
Downsizers & lifestyle buyers
People wanting a friendly coastal village near the beach at Hill Head and the Titchfield Haven nature reserve, with services on the doorstep.
Commuters
People working in Fareham, Portsmouth or Southampton, and those happy to drive or bus to Fareham station for a direct London train — the M27 is close.
What your money buys in Stubbington
A rough sense of what different budgets tend to secure — indicative only, and hugely dependent on position and condition.
Your move to Stubbington, step by step
A simple order of play that keeps things on track.
1. Get your budget straight
Work out your deposit and the true monthly cost (mortgage, council tax, insurance — which flood risk near the coast can affect — and SDLT, which is a real cost on larger and coast-side homes), and get a mortgage in principle so you can move quickly.
2. Do your homework on the property
Check flood risk (coastal, river and surface water on low ground), get a full survey suited to an older or coast-side home, and check the school catchment — before you fall in love.
3. Line up the right people
A whole-of-market mortgage adviser, a good surveyor and a local conveyancer will save you time, money and stress. We can introduce you to the first.
Already live in Stubbington?
This guide isn't just for people moving in. If you already own here, a few moments now can save a lot later.
If your current mortgage deal is within about six months of ending, it's usually worth reviewing your options rather than drifting onto your lender's standard variable rate, which is often more expensive. And whether or not you're moving, it's worth checking that your protection still matches your life. We can introduce you to a whole-of-market, FCA-regulated mortgage adviser, and review your life cover, critical illness cover and income protection alongside it.
Review my options →In summary: buying in Stubbington
If you are weighing up a move to the town, here is the honest bottom line.
Quick tips before you buy in Stubbington
- Explore the village — the busy village centre, the Crofton schools, and the coast at Hill Head and the Titchfield Haven nature reserve close by.
- Note the transport — there is no station in the village, so a rail commute means a short drive or bus to Fareham (~3mi, direct to London); the M27 (J9) is close.
- Check the schools — Stubbington is well served by the Crofton primary and secondary schools; check catchment.
- Check coastal, surface-water and tidal flood risk for homes on low ground near Hill Head or the coast, and confirm insurance.
- Confirm the council tax and band — Stubbington (Hampshire, Fareham borough) Band D is £2,270.55 for 2026/27 (verified).
- Budget with an adviser — prices are mid-to-upper and homes vary; use a whole-of-market adviser.
- Verify the nearest current A&E (QA Hospital, Cosham) with the NHS.
- Get a full building survey on an older or coast-side home, and check any coastal exposure.
- Note the single main road out towards Fareham can be busy at peak times.
- Enjoy the beach at Hill Head and the nature reserve on the doorstep.
- Note Fareham, Portsmouth and Southampton are each within reach.
- Get a mortgage agreement in principle before you start viewing in earnest.
- Review your protection at the same time as your mortgage — important for family buyers.
- Take your conveyancer’s advice on flood, boundary and standard searches.
Nearby areas worth considering
If you are weighing Stubbington against the surrounding area, these are the places buyers most often compare.
Fareham
The larger market town to the north-east, with its own station and shopping centre.
Titchfield
The historic Meon-valley village to the north.
Lee-on-the-Solent
The seaside town to the south-west, with a long seafront.
Family Protection
Whichever area you choose, the right life cover, critical illness cover and income protection matter just as much as the mortgage.
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Transport information is approximate and can change; Stubbington has no railway station of its own, but Fareham station — on the main line with direct trains to London Waterloo, plus services to Portsmouth, Southampton and the south coast — is only about three miles to the north-east (a short drive or bus ride), while the M27 (junction 9) is close by, giving quick links to Fareham and Portsmouth and, via the M3, to Winchester, Southampton and London; always verify current timetables at nationalrail.co.uk before travelling. Ofsted information is based on the most recent publicly available reports. Hampshire state schools are mostly comprehensive and non-selective; Stubbington is well served by the Crofton primary and secondary schools, with secondary options in nearby Fareham — confirm catchment and admissions with each school and Hampshire County Council. From September 2024 Ofsted no longer awards a single overall effectiveness grade at routine state-school inspections. Healthcare: the nearest major hospital with an A&E is Queen Alexandra Hospital (QA) at Cosham, on the edge of Portsmouth, with Southampton General Hospital a further option and GP provision locally; because emergency provision and services can change, always verify the nearest current A&E and arrangements with the NHS. References to the Domesday link to Titchfield Abbey, the old Crofton church of St Edmund’s (whose origins are thought to reach back many centuries), the Holy Rood Church (built 1878), the former Stubbington House School (a Victorian boys’ preparatory school with a naval connection, founded 1841, whose former site is now the community centre), the fishing village of Hill Head, the Titchfield Haven National Nature Reserve, and neighbouring Lee-on-the-Solent and Solent Airport (Daedalus) are for context and heritage. Crime information is general — check current data at police.uk. Flood-risk: much of the village sits on higher ground back from the sea, but the low ground near the coast at Hill Head and towards Titchfield Haven can carry a real coastal, surface-water and tidal flood risk in storms and high tides which can affect insurance; always check the exact postcode at check-for-flooding.service.gov.uk and confirm buildings insurance availability and cost before committing. Council tax: Stubbington is in Hampshire (a two-tier county), within Fareham Borough Council, and is an unparished area (no parish precept); the Band D total for 2026/27 is £2,270.55 (verified from Fareham Borough Council’s published council tax figures), made up of Hampshire County Council (including the adult social care precept), Fareham Borough Council, the Hampshire Police and Crime Commissioner precept and the Hampshire & Isle of Wight Fire and Rescue precept — confirm your exact band with Fareham Borough Council. Property prices are indicative and based on recent public sold-price data — Stubbington is a PO14 village where averages are often around £300,000 to £500,000 with larger coast-side homes beyond, with a wide range by property and area; verify current values via Land Registry or an independent valuation for the exact home. Salary and affordability figures are illustrative only and do not constitute financial advice. Stamp duty figures should be verified using the official GOV.UK SDLT calculator.
The information on this page is for educational purposes only and does not constitute financial advice. That's Family Finance is an independent, FCA-regulated firm (No. 1038034).
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