Cost of living in Moray
Single: 1-bed home. Couple: 2-bed home. Family: 3-bed home with one child. Estimates use average local rent, Band D council tax, and standard figures for groceries, transport and childcare.
Rent in Moray
The average monthly rent in Moray is £739.
Source: ONS Price Index of Private Rents (PIPR)
Scottish rent figures are based on Broad Rental Market Area (BRMA) averages from the Scottish Government Private Sector Rent Statistics and ONS PIPR, not directly at council level. Councils within the same BRMA share the same headline figure.
Earnings in Moray
The average annual salary for residents of Moray is £26,943.
The average salary is the middle value: half of residents earn more and half earn less. The mean salary adds up everyone's pay and divides it by the number of people, so a few very high earners pull it up. We use the middle value as the average throughout this site.
Source: ONS Annual Survey of Hours and Earnings (ASHE)
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Average house prices in Moray
Source: ONS / HM Land Registry. Historical trend based on quarterly rolling-year average prices.
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Climate and weather in Moray
Summer daytime highs in Moray typically reach 17.7°C in July, dropping to around 5.2°C in January. Moray is drier than average for the UK, with rain falling on about 3.2 days a week. It gets around 15% less rainfall than the UK average. The area gets a typical amount of sunshine for the UK, averaging around 4.6 hours per day in summer. Expect frost on around 133 days per year, mostly between October and May.
| Month | Daytime high | Rainfall | Rain days | Sunshine | Frost days |
|---|---|---|---|---|---|
| Jan | 5.2°C | 84mm | 15 | 46h | 22 |
| Feb | 5.8°C | 68mm | 13 | 74h | 20 |
| Mar | 7.6°C | 63mm | 13 | 109h | 18 |
| Apr | 10.3°C | 67mm | 12 | 141h | 13 |
| May | 13.3°C | 67mm | 13 | 183h | 8 |
| Jun | 15.6°C | 83mm | 14 | 145h | 2 |
| Jul | 17.7°C | 82mm | 14 | 144h | 1 |
| Aug | 17.2°C | 94mm | 14 | 137h | 1 |
| Sep | 15.0°C | 86mm | 13 | 113h | 3 |
| Oct | 11.3°C | 112mm | 16 | 83h | 8 |
| Nov | 7.7°C | 97mm | 15 | 56h | 15 |
| Dec | 5.4°C | 88mm | 15 | 36h | 22 |
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How this is calculated
Climate data is based on Met Office 30-year averages (1991-2020), calculated from 93 observation grid points covering the Moray local authority area.
Source: Met Office HadUK-Grid , 1991-2020 averages. Crown copyright. Open Government Licence v3.0.
Council tax in Moray
Band D council tax in Moray is £1,731 per year.
Source: MHCLG / Scottish Government / Welsh Government
Energy costs in Moray
A typical household in Moray pays approximately £1,723/year (£144/month) for gas and electricity.
Energy region: North Scotland
This estimate is based on the Ofgem price cap for a typical dual-fuel household using 2,700 kWh of electricity and 11,500 kWh of gas per year, paying by Direct Debit. Your actual costs will depend on your usage, tariff, and whether you're on a fixed deal.
Source: Ofgem Energy Price Cap, Q4 2026
Water costs in Moray
The combined water and waste water charge from Scottish Water for a Band D home is £652/year (£54/month).
Water company: Scottish Water
In Scotland, water and waste water charges follow the council tax band and are billed with council tax. A lower band pays less and a higher band pays more. A home with one adult gets 25% off, as with council tax: £489 a year (£41 a month). Our single-person monthly cost uses that figure.
Source: Scottish Water 2026-27 charges for a Band D home (water £301.95 and waste water £350.37 a year, billed with council tax)
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Broadband in Moray
Moray has 60.5% full fibre coverage and 60.5% gigabit-capable coverage across residential premises.
Full fibre take-up: 62% of premises with full fibre available have taken it up.
"Gigabit-capable" means a connection of 1 Gbit/s or faster is available at the premises (full fibre or upgraded cable). "Full fibre" is fibre-to-the-premises specifically. "No decent broadband" counts premises below the 10 Mbit/s down / 1 Mbit/s up Universal Service Obligation.
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Source: Ofcom Connected Nations 2025, July 2025
Crime in Moray
There were 441 recorded crimes per 10,000 people in Moray, which is below the Scotland average of 569. Moray ranks #28 out of 303 areas for lowest crime rate.
Recorded crime statistics reflect crimes reported to and recorded by police. They may not capture the full picture of crime in an area, and recording practices vary between forces.
Source: Home Office police recorded crime, 2025-26
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