Coastal or countryside living? What to consider for your next chapter
3 minute read
Coastal or countryside living? What to consider for your next chapter
3 minute read
You’ve worked hard for your money. Maybe you’ve raised a family and you’re dreaming of a slower pace of life. But is that beside the sea or in the depths of the countryside?
Both offer peace, fresh air and space to enjoy your coming years. But they also come with lifestyle and financial considerations.
So, what do you need to know before making your decision?
Think about why you’re moving
People decide to downsize or relocate for lots of reasons. Some want to reduce bills, release equity or just want simpler life. Meanwhile, others may be in search of sea views, beach walks or countryside calm. What’s top of your list?
Here’s some things to consider:
- Price: Homes with sea views often carry a premium. Rightmove found they were priced 32% higher than other coastal homes1. In popular seaside towns, that can push prices far above the national average. And while country homes may be cheaper, they could bring extra costs and access challenges, too.
- Maintenance: Salt air and strong winds mean coastal homes need a fair amount of care. Paintwork, fittings and heating systems often wear faster, and insurance can cost more. Think about this in your budget so you can cover unexpected work2.
- Rental income: A seaside home could also work as a holiday let. VisitBritain says tourism demand remains strong, offering potential income3.
- Services and healthcare: Rural homes are often located a long way from shops and services. They may have less public transport options, as well as fewer GP or hospital options for you and your family. This could mean more reliance on travelling by car, which can mean increased transport costs.
Your lifestyle in the sea or in the country
As we’ve mentioned, coastal living often means paying more upfront. There could also be higher costs to look after your home and insure it.
In the countryside, homes can be cheaper and may come with larger gardens. But, you’ll probably pay higher transport costs and there could be fewer shops and services nearby.
Then there’s the pace of life. Coastal towns can feel lively in summer and quiet in winter. Countryside life tends to be fairly steady all year round, but you may not get as much variety.
Before you decide, ask yourself:
- Can your pension, savings or other income cover mortgage payments, council tax, insurance and upkeep?
- Would you be able to sell easily if your needs change?
- Do you need flood or storm cover in a coastal area?
- How close are you to shops, GPs and hospitals? For many, this practical reassurance matters as much as the view.
Thinking long-term
When you move later in life, it’s not just the upfront costs that matter. Downsizing may free up cash but think carefully about how you’ll use it. Some people top up their pension, others set money aside for home repairs or future care needs.
You might also want to stretch your income by using savings to reduce a mortgage, or by choosing a flexible deal that lets you make overpayments. Having a plan in place gives you peace of mind. It means your dream move can stay affordable while keeping you financially secure in the years ahead.
So, should you move to the coast or countryside? There’s no right answer!
If your priority is stunning views and the chance to let a property in summer, coastal life may be for you. Just bear in mind it comes with higher purchase prices, extra maintenance and seasonal volatility.
If you prefer lower running costs in some areas and countryside walks on your doorstep, a rural home may be a better fit. Always check healthcare and transport links carefully though.
How we can help
Sources:
[1] Source - House Price Index: August 2025 - Zoopla
[2] Source - Coastal area guide
[3] Source - UK short-term rentals | VisitBritain.org
Published September 2025
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