What a home costs in Fife
A typical two-bed flat to rent in Fife comes to £1,080 a month once the bills are added, or £540 each for two people. A one-bed for one person comes to £832, at council tax band D.
That's £72 a month less than the average two-bed across Scotland (£1,152), both at band D.
With band D council tax, bills add 46% to a two-bed's rent here: 158th of the 348 councils with a published rent, where 1st is where they add the most. Council tax is the biggest bill, at £131.14 a month at band D, £7 less than the average across Scotland.
Estimate · figures checked 18 Oct 2026 · guidance, not advice · sources
Each month
| A month | One-bed, one person | Two-bed, two people |
|---|---|---|
| Rent | £558.00 | £738.00 |
| Council tax (band D) | £98.36 | £131.14 |
| Energy | £86.73 | £108.90 |
| Water and sewerage | £40.77 | £54.36 |
| Broadband | £28.00 | £28.00 |
| TV licence | £15.00 | £15.00 |
| Contents insurance | £4.92 | £4.92 |
| All in | £831.77 | £1,080.32 |
A gas-heated, purpose-built flat at the average rent. How these are worked out.
Council tax by band, 2026/27
| Band | A year | A month |
|---|---|---|
| A | £1,049.13 | £87.43 |
| B | £1,223.99 | £102.00 |
| C | £1,398.84 | £116.57 |
| D | £1,573.70 | £131.14 |
| E | £2,067.67 | £172.31 |
| F | £2,557.26 | £213.11 |
| G | £3,081.83 | £256.82 |
| H | £3,855.57 | £321.30 |
Before the 25% discount for someone living alone. Find your band with the Scottish Assessors.
Energy and water
Fife is in Ofgem's South Scotland price cap region. From 1 October to 31 December 2026, by Direct Debit: electricity 26.11p a kWh and 61.41p a day; gas 7.87p a kWh and 29.89p a day.
Scottish Water supplies water and takes waste water away. Its charges are billed with council tax: £652.32 a year at band D, with the same 25% discount for one person.
Rents and prices
The average private rent (ONS, August 2026) is £558 a month for a one-bed and £738 for a two-bed, £832 across all homes, up 1.5% on a year earlier. The average flat sold for £110,150 (UK House Price Index, July 2026).
Work out your own
It starts at Fife. Change the bedrooms, rent or buy, the people and any figure.
Choose a council from the list to see the figures.
Every figure's source and date: sources.
Other places
Cost each place
Calm Money Home costs every place you look at, rent or buy, the same way and side by side. It works offline and needs no account.
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