Moving from a flat to a house is a big decision which will affect every aspect of your life.

Three years ago I moved from an inner-city flat to a house in the countryside, albeit only a half-hour commute back into the city.

Because this is the type of home move that many people consider making I thought it would be useful to share with you my experience and thoughts on such a move.

For many, it will be the first time they have lived in a house, and the transition from a city centre flat to a house in the suburbs or even further afield can be a huge culture shock, not to mention a shock to their bank balance.

So in this week’s home moving blog, we will share with you the reality of moving from a flat into a house.

You may also like to read: Is Life Better in the Countryside, the Suburbs, or the City? In this guide, we look at the pros and cons of living in the city, in the suburbs, and in the countryside, and examine just how different each location is and how it will affect your quality of life.

Things to Consider When Moving From a Flat to a House

Living in a flat is often a lifestyle choice as much as a financial choice

Moving from a flat to a house often means moving to the suburbs or even the countryside or coast, and you will see your life change in so many ways.

Before making this life-changing decision there are some things that maybe you should consider very carefully:

#1 Will Working From Home Still Apply to You?

There are still many people who work from home or only have to go into the office a day or two a week, but how likely is that to change in the future?

How will that affect where you live? This leads to the next considerations……

#2 Commuting

  • What happens if you move out of the city and then are expected to return to the office full-time in the future?
  • How realistic is it to commute back into the city every day?
  • How expensive will a daily commute be?
  • How long will it take you to commute daily?

You can use this tool to calculate the cost and time needed for commuting from your new home at www.zoopla.co.uk  

#3 London Weighting

If you live in London and are planning on moving to a house outside of London there is the potential loss of London Weighting.

How will that loss of income affect your ability to pay the mortgage or what impact will that have on your quality of life?

The long-term financial implications of moving out of the city could be huge.

#4 Financial Considerations

A house is likely to take more money to run than a flat.

The utility bills will be bigger, maintenance costs will be higher, and maintaining a garden will not be cheap either.

A larger home will also take longer and be more expensive to clean.

You will use up cleaning products quicker and you may need to invest in a more powerful vacuum cleaner for example.

It is little things like this that you may think insignificant but these costs soon add up.

You will also probably need more furniture especially if you are moving out of a rented flat.

Decorating more rooms equals more cost and time.

And many people just end up spending money to fill space with things they don’t really need.

If you have no space for things people tend not to buy them.

It is also worth mentioning that if you are thinking of getting a house with a garden the time needed to maintain and look after the garden, as well as the costs that that incurs can be considerable.

You may also like to read: Moving Into a New Build Home – Everything You Need to Know. Many people will be considering moving from a flat into a new-build home. In this guide, we share all the pros and cons of such a move and the things to be aware of.

#5 Quality of Life

Having even a little more space can make such a difference to your quality of life.

Quality of life is vitally important and often a move to a larger home in nicer surroundings has a huge positive impact on both our physical and mental wellbeing.

  • You will almost certainly have more living space and maybe even a garden, which in most cases will greatly improve your quality of life.
  • Having a place that you can escape to for some relaxation, even having your own bedroom, will greatly improve your mental well-being.
  • For some people just having a house rather than a flat gives them a sense of satisfaction. It is difficult to explain but moving into a house feels almost as if it is the next step on the ladder of being an adult.
  • The chances are that your neighbours’ movements will not be so audible in a house. Although you may get some noise, you are unlikely to have the noise of an upstairs neighbour walking on wooden floors for example.

Not only will living in a house be very different from a flat, but your neighbourhood may dramatically change too, especially if you decide to move from the city to the coast or countryside.

You may also like to read: Which is More Important Home or Location? 31 Things to Consider. We always hear that location is far more important than the home itself, but is that really true? In this guide, we list 31 things to consider when moving to a new area.

Consider your needs and lifestyle not just now, but how the neighbourhood will fit your needs in a few years.

  • Will the kids be bored and have nothing to do as they grow older?
  • How long is the trip to the nearest shops? Local shops may not stock all you need and tend to be more expensive than the big stores.
  • Will you get bored with just a couple of local pubs to choose from?
  • If you are moving out of the city there will likely be fewer music venues or cultural events to attend.
  • How accepting are the locals of outsiders, especially if you come from a very multicultural city where nobody gives you a second glance?
  • How will you cope with a house to run if you or your partner suddenly have long commutes to make every day?
  • Also, consider that when living in a flat you may hardly know any of your neighbours. That can be a good or a bad thing. But living in a house you are likely to interact with your neighbours far more which depending on your viewpoint, can be a good or bad thing.
  • If you are living on your own, or are at home for long periods on your own, then security will be a concern for you. Generally flats are regarded as more secure than houses which may be an important consideration for you.

Moving from a flat into a house has many advantages, but there are also many disadvantages.

Only you know your financial position and how moving to a larger home will impact that.

The location of your new house can also massively affect the positive or negative impact on your life.

You will almost certainly experience some form of culture shock, and every aspect of your life will change, but having overcome that, most people would agree that the pros of moving to a house from a flat far outweigh any cons that you may initially experience.

You may also like to read: Choosing Where to Live: Location, Location, Location. Even if you have found the ideal location that you would like to live, exactly what street you live on, or where the home is within that location can make a huge difference. In this guide, we look at the pros and cons of living on a main road, on a cul-de-sac, near shops, parks, farms, and schools.

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Is It Cheaper to Live in a Flat Than a House?

Most things in life come down to money, but the quality of life should also factor into your considerations

There are so many variables to this question that it is difficult to give an all-encompassing answer. It will depend on many factors in your situation, as well as factors outside your control like house prices or rental increases.

Generally, if you need to move frequently then buying a house is going to be more expensive than renting a flat.

Buying a house makes more financial sense over many years when you can hopefully build up equity.

There will also be many people looking to move out of a rented flat into a rented house in which case a house is going to be more expensive to rent within the same area.

Obviously, if you change location as well, then where you are moving to will affect how much your rent or purchase price will be, but generally moving out of the city will always mean cheaper places to live.

So taking the costs of buying a house, or renting a house out of the equation, let’s just look at the day-to-day running costs of a house vs a flat.

These figures are averages and will change depending on the area you live in, how much energy you consume in the home, who your utility providers are, and your lifestyle.

You can read more about the cost of running a home at www.progressgroup.org.uk   

  • A 1 Bedroom flat costs at least £647.57 per month to run
  • A 2 bedroom flat costs at least £816.57 per month to run
  • A 2 bedroom house costs at least £1003.82 per month to run
  • A 3 bedroom house costs at least £1206.31 per month to run
  • A 4 bedroom house costs at least £1399.15 per month to run

There are also things like the extra maintenance costs to take into consideration as well as the fact that the more things you have, the more things can go wrong or will need replacing at some stage.

There are also the initial costs of moving from a flat to a house to take into consideration: You will need more furniture, although there are many places to get free furniture, which will save you money now.

Council tax will likely be higher on a house than a flat but you will not have to pay service charges that some flats charge.

You can find out what the council tax band is for any house you want to potentially move to at your local council’s website. You can find your local council website at www.gov.uk  

There is a really good budget planner at www.moneyhelper.org.uk which will help you work out how moving to a house will affect your budget and ultimately your lifestyle. 

You may also like to read: The Pros and Cons of a House With a Garden. Many people have a garden at the top of their wish list when moving from a flat to a house. Having gone from a balcony with a few plant pots to a house with two acres of garden, in this guide, I share with you the pros and cons of having a garden and the things to consider carefully before making that choice.

Do Flats Go Up as Much in Value as Houses?

More land generally means a better return on your money

Whilst your lifestyle and quality of life will be your major consideration when deciding to move from a flat to a house, if you are looking to buy, then you will have an eye on whether it is a good investment or not.

In the Zoopla Home Price Index of August 2024, they reported that the prices of flats had dropped year on year by 1.1% whilst terraced and semi-detached homes had dropped by 0.7%.

Nobody wants to end up in negative equity so always seek professional financial advice if you are making such huge financial decisions.

You might like to read: House, bungalow, or flat? in which we examine why it pays to look at all the housing options available to you, with the pros and cons laid out so that you can choose the style of home that best suits your needs and lifestyle, now and in the future.

Tips for Moving From a Flat to a House

Plan your home move carefully for a stress-free moving day

The temptation when moving to a house from a flat is just to take everything with you, after all, you will have far more space now, but this is a mistake.

Moving out of a flat can be more expensive than moving out of a house, especially if you have no lift or the removal van cannot get direct access to the front of the flats.

So it is essential that you declutter your flat and get rid of all the things you do not need or love.

The fewer things you have to move to your new home the cheaper and easier your home move will be.

It also makes sense to hire a good removal company, especially if you have no lift and are moving items of furniture to your new home.

This may not seem cost-effective but consider what would happen if the lift was not working on moving day or your friends don’t turn up to help you move.

My final tip would be to use only small and medium-sized packing boxes as they are so much easier to handle, especially if you have no lift.

Use strong plastic sacks to pack things like bedding and clothes as it is easier to carry multiple bags downstairs than it is to try and carry multiple boxes.

You may also like to read: Tips for Packing and Moving Out of a Flat. You may not be at the moving stage yet but it pays to think about the moving process as early in your plans as possible. In this guide, we share some invaluable tips that will save you time and money.

Moving From a Flat to a House Shopping List

More space equals more possessions, but there is no need to rush out and buy everything now. There are lots of places to get free things for your new house.

If this is the first time you have lived in a house then you may be wondering just what do I need to buy when moving into a house?

You may be taking the furniture from your flat, getting new, or seeing what you can find on Freecycle so I have not included furniture.

Moving out of a flat you will likely have all the essentials anyway, unless it was a rental and they belonged to the landlord, so many of the things in the following list you may already have, but we have included them so that the list is as comprehensive as possible.

Insurance

  • Buildings Insurance
  • Contents Insurance
  • Car Insurance
  • Pet Insurance

Utilities

  • Water
  • Gas
  • Electricity
  • Internet/telephone/TV
  • Coal/firewood

Safety

  • New locks for every external door
  • Fire extinguishers
  • Fire blankets
  • Smoke detectors
  • Carbon monoxide alarms
  • Torches and new batteries
  • Spare bulbs for internal and external lights
  • Spare batteries for alarms and detectors
  • First Aid Kit

Basic Tools

  • Hammer
  • Screwdrivers
  • Adjustable wrench
  • Pliers
  • Allen Keys
  • Radiator key
  • Duct tape
  • Zip Ties
  • Electrical tape
  • Glue
  • Selection of screws and nails
  • Selection of fuses for plugs and mains board
  • Extension cables
  • Step ladder

Cleaning Products

  • Heavy-duty rubber gloves – several pairs
  • Heavy-duty rubbish sacks
  • Vacuum cleaner bags (buy extra as you have a bigger area to hoover now)
  • Bleach
  • Disinfectant
  • Window cleaner
  • Toilet cleaner
  • Floor cleaner
  • Crème cleaner
  • Scrubbing brushes
  • Broom
  • Mop and bucket (with spare mop heads)
  • Sponges
  • Dusters/wipes

Kitchen

  • Kettle
  • Toaster
  • Microwave
  • Crockery
  • Cutlery
  • Pots and pans
  • Baking tray
  • Colander
  • Cooking utensils
  • Bottle opener
  • Tin opener
  • Oven gloves
  • Washing up liquid
  • Cleaning cloths
  • Tea towels
  • Waste bin
  • Window blind

Bathroom

  • Shower curtain
  • Toilet rolls
  • Toilet brush
  • Soap
  • Shampoo
  • Toothpaste and brushes
  • Towels
  • Cleaning products
  • Waste bin
  • Window blind

Bedrooms

  • Pillows
  • Duvets
  • Bed linen
  • Curtains
  • Table lamp

Living Room

  • Sofa
  • Coffee table
  • Lamps
  • TV unit or wall bracket
  • Cushions
  • Curtains

Misc. Essentials

  • More rooms equal more windows, so you will need extra sets of curtains
  • Extension leads – always worth having a few sets of spare
  • Table lamps/night lights – especially if your kids each have their own room now

These are just the essentials and as time goes on you will add things to make the house feel like your home.

Many household items can be gotten from free ad and recycling websites so it need not cost you a fortune to set up your new home.

You may also like to read: Where to Get Free Stuff For Your New Home where you can find all the best places with listings of items for free to furnish and equip your new home.

You will find many useful guides on moving home created to make your home move easier, cheaper, and quicker in our home moving blog so be sure to visit it.

And finally, just a reminder that it costs nothing to get a quote from a reputable removal firm for your move.

It will make moving day so much easier and more enjoyable, as well as safer and far less hard work for you.

Good luck with your move into a house and we hope it is everything you hoped it would be.

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