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Original poster

AIBU to ask what your half of household bills comes to?

113 replies

Billsplitre · 24/04/2026 15:44

What is your half of household bills? Excluding food shopping. Just mortgage/ rent, utilities, council tax, joint insurance or car payments. Assuming you split costs 50/50 with a partner or thereabouts.

I've seen a few content creators talk about this online recently and been surprised how high it is, usually always over £1000 meaning full costs are over £2000 before food.

I'm probably being unreasonable to think that's such a lot given how high costs are at the moment

OP posts:
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popcornandpotatoes · 25/04/2026 09:22

Ally886 · 25/04/2026 08:10

That council tax would put you at the cheaper end. Ours is nearly £400 a month for not a particularly large house

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Yes I think 185 is very cheap, ours is £300 for a three bed detached

popcornandpotatoes · 25/04/2026 09:20

I don't pay a share, all my salary goes in a pension and DH covers everything else

Our bills are around 2.5k a month, closer to 3k some months as we pay water bills six monthly, car insurance once a year etc.

ReadingCrimeFiction · 25/04/2026 09:10

Ally886 · 25/04/2026 08:10

That council tax would put you at the cheaper end. Ours is nearly £400 a month for not a particularly large house

Show quote history

I could be wrong - dh handles it. But also, yes, I would expect us to be on lower end either way. Its a pretty bog standard 3 bed semi wjth a relativeky small garden, in a less posh part.of surrey.

SolvableThread · 25/04/2026 09:06

Well half would be about £1000 per month but I'm a single parent so for me it's £2000. This cover rent, utilities and car costs.

This doesn't include food, petrol, clothes for growing teenager or anything fun.

I don't earn enough to do anything other than function!

FebruaryUsername · 25/04/2026 08:21

Gas, electric, water, council tax, broadband, home insurance, mortgage, car insurance, car tax, car service plan (cheaper than paying for MOT, service and roadside recovery separately) all comes to about £2200 a month, so £1100 each if we were paying 50/50.
Average 3 bed house, 1 car between us. Not including our phone bills, pets/pet insurance, petrol, food.

Ally886 · 25/04/2026 08:10

ReadingCrimeFiction · 24/04/2026 16:19

£2000 doesn't seem excessive at all. Our mortgage is £1700 alone and its not a big or expensive house. Council tax in Surrey is high - I think around £185 a month for us. We dont have car repayments but insurance is around £70 for 2 cars, plus another £100 per month petrol.

Other insurance- life, house, etc - around £400.

Broadband/phone etc easy £170.

I am not sure on other utilities but I would guess around £250 per month.

£180 for a cleaner.

That council tax would put you at the cheaper end. Ours is nearly £400 a month for not a particularly large house

MistyMountainTop · 24/04/2026 22:29

£300per month - water, gas, elec, council tax, house insurance, car insurance + service + MOT

Mortgage paid off a long time ago

asdbaybeeee · 24/04/2026 22:17

Mortgage 650
utilities 380
insurances 130
tv/ internet 40
phones 36

BiddyPopthe2nd · 24/04/2026 22:12

My problem is we use d to split mortgage v most other bills…mortgage now paid off but I still have electricity, gas, and a few big insurances. DH pays bins and alarm and broadband.

but I also have 100% of bills on the apartment I am in for work overseas…

I am beyond worked by out percentages

IDontHateRainbows · 24/04/2026 22:07

I put £1k in each month includes all food.

thereare4lights · 24/04/2026 22:05

£2250. £750 of that is half of my 2 kids uni rent. Also include tax/insurance for 4 cars. Will be about £800 in 2 years when mortgage is paid off and kids have finished uni.

Boopybop · 24/04/2026 21:59

1200 a month. No mortgage.

Doggymummar · 24/04/2026 21:50

Billsplitre · 24/04/2026 15:44

What is your half of household bills? Excluding food shopping. Just mortgage/ rent, utilities, council tax, joint insurance or car payments. Assuming you split costs 50/50 with a partner or thereabouts.

I've seen a few content creators talk about this online recently and been surprised how high it is, usually always over £1000 meaning full costs are over £2000 before food.

I'm probably being unreasonable to think that's such a lot given how high costs are at the moment

Mortgage £2500 council tax 300 utilities £400 phones and bb£200 insurance car etc £100 divided by 2 if yo want half. Then there's life insurance pension Bupa dental etc as well probably £400 or more ( other half pays these) oh water £80 garden and window cleaner £20 each

Comeonalley · 24/04/2026 21:49

BrendaSmall · 24/04/2026 21:46

lol I haven’t got a clue what the bills cost in our house, I pay for the electric and my husband pays for everything else and we have completely separate bank accounts!

love that for you 😆 as a single who pay it all myself only slightly jealous haha

BrendaSmall · 24/04/2026 21:46

lol I haven’t got a clue what the bills cost in our house, I pay for the electric and my husband pays for everything else and we have completely separate bank accounts!

ArtfulDoddger · 24/04/2026 21:46

50% would be:

Mortgage £430
Electric £75
Oil Heating £75
Rates £65
Sky & Broadband £30
Diesel for car £180
Car Insurance £40
Car Tax £15
Car Loan £90
Childcare £100
Pet Insurance and Upkeep £70
Mobile Phone £55

CabbageWater · 24/04/2026 21:41

£1500 each per month (£3k total).
That's mortgage, nursery fees, utility bills, car insurance, life insurance, house insurance, pet insurance, Internet, TV and other subscriptions.

localnotail · 24/04/2026 21:38

Live on my own. Pay about £1700 in bills monthly (mortgage and all other stuff).

Olive567 · 24/04/2026 21:34

Live on my own, about £1400:
Mortgage £900
Utilities £120
Council tax £150
Phone £20
Internet £25
Car £150
Insurance £50
Subscriptions £20

asymmetrywoes · 24/04/2026 21:24

We pay £800 each into the joint account which covers mortgage, bills including council tax, water, gas and electric and food.
Each pay for our own cars - loans, insurance, fuel.

TheDenimPoet · 24/04/2026 21:17

We put £500 each in the joint account each month. Our mortgage is paid off. It covers all bills, including car finance. Also includes the basic food shop. Our car is electric so is just lumped into the electric bill, costs us £40 a month to charge.

We might buy a takeaway or two each every month from our own money, occasionally a meal out. We never spend more than £600 a month each.

Living in one of the cheapest parts of the country, in a very small house, with solar panels.

maggiesleapp · 24/04/2026 21:13

full monthly costs are:
Rates £68 (NI so rates similar to council tax but include water charges)
2x car insurance £74
2x car tax £40
Gas £49
Electric £50
house insurance £34
Phone x 2 £80
broadband £48
Netflix £8
private health £28
Total around £480 so £240 each. No mortgage, cars owned outright.
Our 2 DD’s are adults with their own families so no dependants.

Amba1998 · 24/04/2026 21:12

£1600 each but includes food

ilikeeggs · 24/04/2026 21:04

About £1400 but I’m single so nobody to share that with

GimmieABreakOr3 · 24/04/2026 21:01

£850 for my share, that’s before food. Live in SE England.