From keeping the water running, to the Wi-Fi freely flowing, no one can escape the sound of bills landing on the doormat. But what do all the outgoings add up to? We take a look at the average person’s household bills to get a clearer picture of what our customers are up against just to keep their home running this year.

The MORE TH>N Cost of Running a Home1 report looked at the average cost of running five different sized properties in 72 towns across the UK. In addition to rent or mortgage payments, it tallied up key monthly spending, including council tax, utilities, TV, phone and broadband bills – plus all the run of the mill maintenance which goes into running a home (budget at least £50 a month for this alone…).

In fact, the report found that 28% of people actually spend more on monthly bills than on their mortgage. And overall, the average three-bedroom household with a single earner has just 17% left over after bills and mortgage take a bite out of their income.

Let’s quickly break down what some of these costs are.

Gas and electricity

Never far from the news, keeping the lights on and the boiler running is a major cost to any household. And according to regulator Ofgem, the average annual UK household bill is some £1,345.2

Water

Water.org.uk estimated that the average water and sewerage bill around the UK would run to some £33 a month – just shy of £400 a year. Of course, because supply across the UK is different by region, rates can vary massively depending on where you live.

Phone, Broadband and TV

Due to the way home media packages can be structured – with eye-catching initial offers, then much higher costs a few months into the service – it can sometimes be difficult to unpick costs on a year-by-year basis.

However, according to regulator Ofcom’s latest figures, released in 2017, average monthly spending for TV was £32.90, and £16.90 for internet, while fixed phone line costs came to £22.75. Meanwhile, mobile phone costs came to £45.60

Council tax

Because of the way council tax is calculated by local authorities, the amount you pay can differ massively from street to street. But wherever your customer lives, it’s likely to be on an upward trend. In fact, the 2017/2018 average tax in England for band D homes has risen by some £60 versus the previous year to almost £1,600.

Home insurance

According to a 2017 report by the Association of British Insurers (ABI), the average annual premium paid for building insurance was just over £20 a month, and a little over £10 for contents cover. Meanwhile, if bought together the price was close to £23With costs rising – and living standards now projected to fall quarter-on-quarter for years to come – the danger is that people cut back on anything they think they can do away with. For some, this is home insurance. In fact the ABI says that a third of UK homes have no buildings insurance, while a quarter have no contents insurance.