Town · South East
How Much Do You Need to Retire in Spelthorne?
Spelthorne offers a 15% above average cost of living compared to the UK average. With average house prices at £434,775 and annual living costs of £43,700, here's what you need to know about retiring comfortably in Spelthorne.
About Retirement Planning in Spelthorne
1
Spelthorne has an average house price of £434,775, which is 47% higher than the UK average of £295,000 (ONS UK House Price Index, March 2026).
2
Annual living costs in Spelthorne are estimated at £43,700, above the UK average of £38,000, reflecting the local cost of living in South East.
3
The local property market offers a range of options for retirees, from flats to family homes, at prices reflecting local demand and supply.
Data sources: ONS UK House Price Index, ONS Family Spending Survey, Land Registry.
Your Spelthorne Retirement Number
£
per year
£12,548
£12,548/yr at age 67
£31,152
Annual costs − State Pension
£778,800
25× gap (4% rule)
This does not include your primary residence
%
4% = worst case5% = optimised6% = more aggressive
Based on 4% withdrawal rate · Spelthorne cost of living data · UK State Pension 2026/27
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Explore Other Locations in South East
| Location | Region | Avg House Price | Living Costs | Avg retirement number @ 4% SWR | Avg total net worth required |
|---|---|---|---|---|---|
| How much do you need to retire in Adur | South East | £368,910 | £43,700 | £778,800 | £1,147,710 |
| How much do you need to retire in Arun | South East | £320,350 | £43,700 | £778,800 | £1,099,150 |
| How much do you need to retire in Ashford | South East | £341,710 | £43,700 | £778,800 | £1,120,510 |
| How much do you need to retire in Basingstoke and Deane | South East | £372,276 | £43,700 | £778,800 | £1,151,076 |
| How much do you need to retire in Bracknell Forest | South East | £390,219 | £43,700 | £778,800 | £1,169,019 |
| How much do you need to retire in Brighton and Hove | South East | £403,808 | £43,700 | £778,800 | £1,182,608 |
| How much do you need to retire in Buckinghamshire | South East | £478,219 | £35,340 | £569,800 | £1,048,019 |
| How much do you need to retire in Canterbury | South East | £341,331 | £43,700 | £778,800 | £1,120,131 |
| How much do you need to retire in Castle Point | South East | £367,482 | £43,700 | £778,800 | £1,146,282 |
| How much do you need to retire in Cherwell | South East | £351,051 | £34,580 | £550,800 | £901,851 |
| How much do you need to retire in Chichester | South East | £426,958 | £43,700 | £778,800 | £1,205,758 |
| How much do you need to retire in Crawley | South East | £330,955 | £43,700 | £778,800 | £1,109,755 |
| How much do you need to retire in Dartford | South East | £341,447 | £43,700 | £778,800 | £1,120,247 |
| How much do you need to retire in Dover | South East | £276,156 | £43,700 | £778,800 | £1,054,956 |
| How much do you need to retire in East Hampshire | South East | £437,074 | £43,700 | £778,800 | £1,215,874 |
| How much do you need to retire in Eastleigh | South East | £308,958 | £43,700 | £778,800 | £1,087,758 |
| How much do you need to retire in Elmbridge | South East | £759,229 | £43,700 | £778,800 | £1,538,029 |
| How much do you need to retire in Epsom and Ewell | South East | £552,902 | £43,700 | £778,800 | £1,331,702 |
| How much do you need to retire in Fareham | South East | £333,822 | £43,700 | £778,800 | £1,112,622 |
| How much do you need to retire in Folkestone and Hythe | South East | £312,914 | £43,700 | £778,800 | £1,091,714 |
| How much do you need to retire in Gosport | South East | £237,267 | £43,700 | £778,800 | £1,016,067 |
| How much do you need to retire in Gravesham | South East | £340,305 | £43,700 | £778,800 | £1,119,105 |
| How much do you need to retire in Guildford | South East | £525,805 | £43,700 | £778,800 | £1,304,605 |
| How much do you need to retire in Hart | South East | £478,996 | £43,700 | £778,800 | £1,257,796 |
| How much do you need to retire in Havant | South East | £316,718 | £43,700 | £778,800 | £1,095,518 |
| How much do you need to retire in Horsham | South East | £440,938 | £43,700 | £778,800 | £1,219,738 |
| How much do you need to retire in Maidstone | South East | £365,560 | £43,700 | £778,800 | £1,144,360 |
| How much do you need to retire in Medway | South East | £297,435 | £43,700 | £778,800 | £1,076,235 |
| How much do you need to retire in Mid Sussex | South East | £436,223 | £43,700 | £778,800 | £1,215,023 |
| How much do you need to retire in Milton Keynes | South East | £323,611 | £43,700 | £778,800 | £1,102,411 |
| How much do you need to retire in Mole Valley | South East | £562,284 | £43,700 | £778,800 | £1,341,084 |
| How much do you need to retire in New Forest | South East | £374,236 | £34,580 | £550,800 | £925,036 |
| How much do you need to retire in Oxford | South East | £473,994 | £43,700 | £778,800 | £1,252,794 |
| How much do you need to retire in Portsmouth | South East | £249,557 | £43,700 | £778,800 | £1,028,357 |
| How much do you need to retire in Reading | South East | £349,144 | £43,700 | £778,800 | £1,127,944 |
| How much do you need to retire in Reigate and Banstead | South East | £485,962 | £43,700 | £778,800 | £1,264,762 |
| How much do you need to retire in Rochford | South East | £409,437 | £43,700 | £778,800 | £1,188,237 |
| How much do you need to retire in Runnymede | South East | £475,272 | £43,700 | £778,800 | £1,254,072 |
| How much do you need to retire in Rushmoor | South East | £312,761 | £43,700 | £778,800 | £1,091,561 |
| How much do you need to retire in Sevenoaks | South East | £533,529 | £43,700 | £778,800 | £1,312,329 |
| How much do you need to retire in Slough | South East | £343,618 | £43,700 | £778,800 | £1,122,418 |
| How much do you need to retire in Southampton | South East | £232,883 | £43,700 | £778,800 | £1,011,683 |
| How much do you need to retire in Southend-on-Sea | South East | £328,502 | £43,700 | £778,800 | £1,107,302 |
| How much do you need to retire in Surrey Heath | South East | £444,970 | £43,700 | £778,800 | £1,223,770 |
| How much do you need to retire in Swale | South East | £287,990 | £43,700 | £778,800 | £1,066,790 |
| How much do you need to retire in Test Valley | South East | £373,389 | £43,700 | £778,800 | £1,152,189 |
| How much do you need to retire in Thanet | South East | £260,951 | £43,700 | £778,800 | £1,039,751 |
| How much do you need to retire in Tonbridge and Malling | South East | £402,779 | £43,700 | £778,800 | £1,181,579 |
| How much do you need to retire in Tunbridge Wells | South East | £449,883 | £43,700 | £778,800 | £1,228,683 |
| How much do you need to retire in Waverley | South East | £546,965 | £43,700 | £778,800 | £1,325,765 |
| How much do you need to retire in West Berkshire | South East | £403,498 | £43,700 | £778,800 | £1,182,298 |
| How much do you need to retire in West Oxfordshire | South East | £422,096 | £34,580 | £550,800 | £972,896 |
| How much do you need to retire in Winchester | South East | £471,136 | £43,700 | £778,800 | £1,249,936 |
| How much do you need to retire in Windsor and Maidenhead | South East | £572,790 | £43,700 | £778,800 | £1,351,590 |
| How much do you need to retire in Woking | South East | £445,943 | £43,700 | £778,800 | £1,224,743 |
| How much do you need to retire in Wokingham | South East | £486,556 | £43,700 | £778,800 | £1,265,356 |
| How much do you need to retire in Worthing | South East | £301,540 | £43,700 | £778,800 | £1,080,340 |