How Much Do You Need to Retire in Monmouthshire?
Monmouthshire offers a 9% below average cost of living compared to the UK average. With average house prices at £322,147 and annual living costs of £34,580, here's what you need to know about retiring comfortably in Monmouthshire.
About Retirement Planning in Monmouthshire
Monmouthshire has an average house price of £322,147, which is 9% higher than the UK average of £295,000 (ONS UK House Price Index, March 2026).
Annual living costs in Monmouthshire are estimated at £34,580, below the UK average of £38,000, reflecting the more affordable cost of living in Wales.
Wales has its own land transaction tax (LTT) system, which affects property purchase costs for retirees in Monmouthshire.
Data sources: ONS UK House Price Index, ONS Family Spending Survey, Land Registry.
Your Monmouthshire Retirement Number
per year
£12,548
£12,548/yr at age 67
£22,032
Annual costs − State Pension
£550,800
25× gap (4% rule)
This does not include your primary residence
Based on 4% withdrawal rate · Monmouthshire cost of living data · UK State Pension 2026/27
Ready for Your Monmouthshire Retirement?
Delphina gives you the tools and guidance to retire on your own terms, whether you want to DIY or get expert coaching.