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How Much Do You Need to Retire in Scottish Borders?

Scottish Borders offers a 4% below average cost of living compared to the UK average. With average house prices at £180,843 and annual living costs of £36,480, here's what you need to know about retiring comfortably in Scottish Borders.

About Retirement Planning in Scottish Borders

1

Scottish Borders has an average house price of £180,843, which is 39% lower than the UK average of £295,000 (ONS UK House Price Index, March 2026).

2

Annual living costs in Scottish Borders 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 Scottish Borders.

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

Your Scottish Borders 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 · Scottish Borders cost of living data · UK State Pension 2026/27

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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 Orkney IslandsScotland£209,843£36,480£598,300£808,143
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 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
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