Educational use only: This platform provides information for educational purposes and should not be considered financial, investment, or legal advice.
Town · Scotland

How Much Do You Need to Retire in Orkney Islands?

Orkney Islands offers a 4% below average cost of living compared to the UK average. With average house prices at £209,843 and annual living costs of £36,480, here's what you need to know about retiring comfortably in Orkney Islands.

About Retirement Planning in Orkney Islands

1

Orkney Islands has an average house price of £209,843, which is 29% lower than the UK average of £295,000 (ONS UK House Price Index, March 2026).

2

Annual living costs in Orkney Islands are estimated at £36,480, below the UK average of £38,000, reflecting the more affordable cost of living in Scotland.

3

Scotland has its own land and buildings transaction tax (LBTT) system, which affects property purchase costs for retirees in Orkney Islands.

Data sources: ONS UK House Price Index, ONS Family Spending Survey, Land Registry.

Your Orkney Islands Retirement Number

£

per year

£12,548

£12,548/yr at age 67

£23,932

Annual costs − State Pension

£598,300

25× gap (4% rule)

This does not include your primary residence

%
4% = worst case5% = optimised6% = more aggressive

Based on 4% withdrawal rate · Orkney Islands cost of living data · UK State Pension 2026/27

Ready for Your Orkney Islands Retirement?

Delphina gives you the tools and guidance to retire on your own terms, whether you want to DIY or get expert coaching.

Calculate Your Retirement NumberBook 1-1 Coaching

Explore Other Locations in Scotland

LocationRegionAvg House PriceLiving CostsAvg retirement number @ 4% SWRAvg total net worth required
How much do you need to retire in AberdeenScotland£133,906£36,480£598,300£732,206
How much do you need to retire in AberdeenshireScotland£196,787£36,480£598,300£795,087
How much do you need to retire in AngusScotland£160,112£36,480£598,300£758,412
How much do you need to retire in Argyll and ButeScotland£179,601£36,480£598,300£777,901
How much do you need to retire in ClackmannanshireScotland£161,179£36,480£598,300£759,479
How much do you need to retire in Dumfries and GallowayScotland£165,597£36,480£598,300£763,897
How much do you need to retire in DundeeScotland£134,392£36,480£598,300£732,692
How much do you need to retire in East AyrshireScotland£128,845£36,480£598,300£727,145
How much do you need to retire in East DunbartonshireScotland£267,207£36,480£598,300£865,507
How much do you need to retire in East LothianScotland£277,238£36,480£598,300£875,538
How much do you need to retire in East RenfrewshireScotland£288,945£36,480£598,300£887,245
How much do you need to retire in EdinburghScotland£289,857£36,480£598,300£888,157
How much do you need to retire in FalkirkScotland£165,754£36,480£598,300£764,054
How much do you need to retire in FifeScotland£170,395£36,480£598,300£768,695
How much do you need to retire in GlasgowScotland£184,281£36,480£598,300£782,581
How much do you need to retire in HighlandScotland£211,875£36,480£598,300£810,175
How much do you need to retire in InverclydeScotland£112,529£36,480£598,300£710,829
How much do you need to retire in MidlothianScotland£272,754£36,480£598,300£871,054
How much do you need to retire in MorayScotland£200,609£36,480£598,300£798,909
How much do you need to retire in Na h-Eileanan SiarScotland£135,340£36,480£598,300£733,640
How much do you need to retire in North AyrshireScotland£130,233£36,480£598,300£728,533
How much do you need to retire in North LanarkshireScotland£151,455£36,480£598,300£749,755
How much do you need to retire in Perth and KinrossScotland£213,647£36,480£598,300£811,947
How much do you need to retire in RenfrewshireScotland£158,755£36,480£598,300£757,055
How much do you need to retire in Scottish BordersScotland£180,843£36,480£598,300£779,143
How much do you need to retire in Shetland IslandsScotland£156,982£36,480£598,300£755,282
How much do you need to retire in South AyrshireScotland£164,331£36,480£598,300£762,631
How much do you need to retire in South LanarkshireScotland£175,529£36,480£598,300£773,829
How much do you need to retire in StirlingScotland£225,892£36,480£598,300£824,192
How much do you need to retire in West DunbartonshireScotland£127,161£36,480£598,300£725,461
How much do you need to retire in West LothianScotland£221,136£36,480£598,300£819,436
All locationsWhere can I retire today?