Average house price in Exeter, 2026: a full cost breakdown

The median home in Exeter sold for £300,000 in 2025, across 1,655 standard residential sales recorded by HM Land Registry. That is exactly the England-wide median for the year — Devon's county city sits neither cheap nor dear, but squarely on the national line. Below the headline, though, the numbers split sharply by property type, by postcode district, and by the buyer's situation.

All figures here are drawn from completed transactions and the 2026-27 council tax set for Exeter, with the date each was fetched noted. They describe what buyers actually paid across the market — not what any individual home is worth.

What Exeter homes sold for in 2025

The £300,000 median blends four very different markets. Terraced houses were the single most-traded type — 635 sales, more than detached and semi-detached combined — reflecting Exeter's dense Victorian and Edwardian inner suburbs.

The gap between a typical detached home (£450,000) and a typical flat (£187,750) is £262,250 — a 2.4x spread within one city. The mean sale (£351,993) sits above the median, the usual sign that a tail of higher-value detached sales pulls the average up.

Where in Exeter: price by postcode district

Splitting the same 1,655 sales by outcode shows a clear riverside premium. EX3, covering the Topsham and Exton side of the estuary, recorded the highest median; the inner-city and western districts sat close to the city median.

You can pull the same street-level detail for any Exeter postcode on the Homecost postcode tool.

Exeter in the South West

Against neighbouring authorities, Exeter reads as mid-table for the region — well above Plymouth and Cornwall, comfortably below Bristol and Bath. All medians below use the identical method (standard price-paid sales, all house and flat types, 2025).

For a fuller regional picture, see the guides on the average house price in Plymouth, the average house price across Cornwall, and the dearer end of the region in the average house price in Bath.

Council tax in Exeter for 2026-27

Exeter's average Band D bill for 2026-27 is £2,495.36, a little above the £2,410.97 mean across England's 296 billing authorities. That figure bundles the Devon County, Exeter City, police and fire precepts into one charge. Band D is only a benchmark, though — most terraced houses and flats sit in Bands A to C and are billed proportionally less, on the fixed statutory ratios.

A Band A home therefore pays about £832 a year less than the Band D headline. If you are unsure how bands are set and how to check yours, the council tax bands explainer walks through the mechanics.

How energy-efficient is Exeter's housing?

Across 24,392 Exeter homes with a current Energy Performance Certificate, 48.1% are rated C or above — noticeably greener than the roughly 40% average for England and Wales, helped by the city's substantial post-war and newer suburban stock. Just under 2% sit in the lowest F–G bands, where running costs and any future minimum-standard rules bite hardest.

EPC ratings drive a home's energy running cost; the EPC rating explainer sets out what each band means for bills.

Stamp duty on an average Exeter home

At the £300,000 city median, the stamp duty (SDLT) due depends entirely on the buyer's situation. The figures below are the current England rates, confirmed against the Homecost calculator on 30 July 2026.

Here is how those slabs work. A home mover pays nothing on the first £125,000, 2% on the slice to £250,000 (£2,500), and 5% on the slice from £250,000 to £300,000 (£2,500) — £5,000 in total (HMRC, 2026). A first-time buyer buying a main residence pays no SDLT up to £300,000, so a purchase at exactly the median falls to £0; the relief tapers away above £500,000. A buyer of an additional dwelling — a second home or buy-to-let — adds the 5% surcharge that has applied since 31 October 2024 across the whole price, taking the bill to £20,000. Whether relief or the surcharge applies to a given purchase is a matter of fact for a conveyancer to confirm. This is general information, not advice — speak to a qualified adviser before acting.

The monthly cost of an average Exeter home

Putting the pieces together: at the Bank of England's April 2026 quoted average rate of 4.32% for a five-year fix at 75% loan-to-value, a £225,000 repayment mortgage (a 25% deposit on the £300,000 median) over 25 years works out at about £1,227.75 a month. Add the Band D council tax of £207.95 and the two largest fixed costs come to roughly £1,435.70 a month, before energy, insurance and maintenance.

A buyer with a smaller 10% deposit would borrow £270,000, lifting the mortgage element to about £1,473.30 a month. The 4.32% figure is a market average, not an offer: your actual rate will depend on your lender, deposit, term and credit profile, and mortgage costs can rise as well as fall. Again — this is general information, not advice; a qualified adviser can model your own numbers.

See the true cost for any Exeter street

The averages above hide wide street-by-street variation. To see the recorded sale history, council tax band, energy rating and estimated monthly cost for a specific home, enter a postcode — for example EX1 1AA in central Exeter — on Homecost, or browse the full set of regional price guides.

Based on 1,655 HM Land Registry transactions and the 2026-27 council tax set for Exeter, fetched 30 July 2026. Figures describe the market, not individual valuations.