Homeowners Index

The 2019

homeowners index

The cost of owning a home entails so much more than mortgage payments and the initial deposit. When you take into account the cost of other factors such as council tax and energy bills, things can really start to add up. But where in the country can you expect to pay the most to own a home?

We’ve analysed council tax, home insurance and energy bills in 80 of the UK’s most populated towns and cities to create the 2019 Homeowners Index and reveal the country’s most (and least) affordable places to live.



Average council tax

Home insurance

Energy bills

Total cost


We looked at the 80 most populated towns and cities in the UK, and ranked based them on the following three factors:

Council tax:

An average of the council tax for each band, according to individual council websites.

Home insurance:

Sourced from average price amount based on the top five quotes from Compare the Market data from January to April 2019. The average is based on all variations of the property type, postcode and risk data.

Average energy bills:

Sourced from Compare the Market’s own customer data from the date period January to April 2019 Average price for all customers switching to a new tariff, based on whatever fuel and payment method the customer selected, excluding tariffs that can’t be switched too.