Whitby crowned most exclusive coastal location

August 18, 2025
LIVING BY THE SEASIDE 2022

The latest research from Yopa has revealed that while Brighton in the South East is home to the highest monthly coastal mortgage cost, it’s Whitby in North Yorkshire that commands the highest premium when compared to the wider region, with the average monthly mortgage sitting payment 33.7% higher than the Yorkshire and the Humber average.

Yopa analysed* the current cost of the average monthly mortgage in 20 well-known coastal towns across England and Wales, comparing them to their wider regional averages to see where seaside living carries the biggest relative price tags.

The research shows that when it comes to the highest outright monthly mortgage repayment Brighton tops the table, with homeowners paying £1,974 per month, followed by Salcombe (£1,733), Worthing (£1,732), Southend (£1,720) and Whitstable (£1,565).

Weymouth (£1,557), Bournemouth (£1,550) and Southwold (£1,359) also come in above the average monthly mortgage repayment for England and Wales of £1,345 per month.)

However, when it comes to the largest monthly mortgage repayment premium, Whitby leads the way, with the average monthly mortgage cost of £1,286 coming in 33.7% above the wider average for Yorkshire and the Humber (£962).

Whitby is followed by Tynemouth in the North East (24.1%), Salcombe (20.7%), Brighton (9.9%) and Weymouth (8.5%), whilst Bournemouth (7.9%), Southend (7.2%), Tenby (5.7%), Aberystwyth (5.5%) and Crosby (3.6%) are also home to monthly mortgage repayments above that of their respective wider areas.

For buyers seeking a bargain, Hastings in the South East offers the biggest relative saving, with its average monthly mortgage of £1,193 coming in 33.6% below the regional average of £1,797 for the wider South East.

Margate (-29.2%), Torquay (-24.9%), Southwold (-15.2%) and Skegness (-13.7%) also rank among the most affordable when compared to their wider regions, when it comes to the monthly cost of repaying a mortgage.

Yopa’s National Franchise Director, Steve Anderson, commented:

“Our analysis shows that while certain coastal towns command a substantial premium over their wider regions, others offer a much more accessible route to seaside living. In some cases, these savings are significant enough to make a coastal move not just a lifestyle decision but a financially attractive one too.”

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