For Q3 2026, NimbleFins estimates that a household with typical energy usage will be paying roughly £139 per month (~£1,664 a year - which is essentially the Q3 2026 Energy Price Cap once the reduced usage estimates come into play in July 2026) for combined gas and electricity. With utility costs now accounting for ~10% of the average UK household budget, most people are acutely aware of their gas and electric bills. In fact, we spend twice as much on energy bills as we spend on clothing and footwear.

Important note: Under OFGEM's existing Typical Domestic Consumption Values (TDCV), the typical household bill from July is £1,862 (up from £1,641), but in fact the latest TDCV review found that households are using less energy than before—around 7% less electricity and 17% less gas compared to the last review—so the price cap level from 1 July will in reality be £1,663 per year in practice, reflective of these updated values, not £1,862. This article uses the revised 2026 usage estimates.

In order to understand how much the typical household spends on their energy costs, we analyzed data from the Gov.uk and OFGEM. Our research splits out monthly gas and electricity bills across different geographic regions in the UK, so you can see how your utility bills compare.

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How Much do UK Households Spend on Gas and Electricity Bills?

The average gas and electric bill in the UK in Q3 2026 for a typical household with median usage will be £139 per month (or £416 per quarter or £1,664 per year). The average UK gas bill will be £67 monthly (£201 per quarter or £802 a year). The average UK electric bill will be £72 per month (£215 per quarter or £861 a year). These figures are based on the energy price limits for July to September 2026 (effectively £0.0733/kWh for gas and £0.2611/kWh for electricity; daily standing charges of 29.04p/day and 57.19p/day, respectively) and typical usage, using median usage figures of 9,500 kWh of gas and 2,500 kWh of electricity consumption per year. Note: these figures assume payment by direct debit and include VAT at 5%.

(These energy spending figures mean a typical household spends close to 10% of their total monthly budget on energy costs.)

But energy usage varies a lot from one household to the next. For example, if we look at households with lower-than-average consumption, they use around 37% less gas and electricity. On the other hand, households with higher-than-average consumption typically use around 50% more gas and electricity than "average". The table below compares average energy bill costs for these three tiers of households: those with low usage, typical usages and higher usage:

Below we see the total energy bills (gas + electric) for these three tiers of household energy consumption using the latest Energy Price Cap figures from 1 July to 30 September 2026. As you can see, the typical household will pay around £1,664 per year, but those with lower usage spend around £1,172 and those with higher usage spend close to £2,333. Keep in mind that some households will spend less than £1,172 and some households will spend more than £2,333 per year.

Note: the above usage figures for the low, medium and high usage are based on this 2026 decision from Ofgem on the calculations for typical domestic consumption values.

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Are You Paying Too Much for Gas and Electricity?

Most people know that they might save money by switching energy suppliers, but did you also know that you can save money by changing the way you pay your gas and electric bills? In 2026, those paying on credit have the highest energy bills. In this case, "credit" means you receive a bill (e.g., every 3 months), which you then pay by bank transfer, credit/debit card, with cash, through the post office or your bank, etc. By simply switching to direct debit payments, these households could potentially save ~7% on energy bills per year.

The figures above reflect median usage of 2,500 kWh of electricity and 9,500 kWh of gas on an annual basis and the EPC for 1 July to 30 September 2026.

How Much do You Pay for Gas and Electricity, by UK Region

Households spend different amounts to provide energy to light and heat their homes, charge their phones and run their appliances depending on where they live in the UK.

Those living in the N Wales and Mersey region pay the most of any region in the UK for total gas and electric (~£150 per month) while households in the East Midlands now spent the least on energy (~£134 per month), according to the 1 July 2026 Energy Price Cap. Here's what we calculate as typical energy costs by UK region for median usage (i.e. 2,500 kWh of electricity and 9,500 kWh of gas on an annualised basis), assuming direct debit payments:

Figures in the table above include standing charges; figures are inclusive of VAT.

How to Save Money on Gas and Electric Bills

In order to save money on your gas and electricity bills, you might want to price check for the best deal on a comparison site (which you can do below) and consider paying by direct debit instead of credit. Plus you can try some of our tips on How to Save Money without Switching Energy Suppliers. Whether you are a Pay As You Go customer or have a credit meter, be sure to learn how to read your electric bill, so you're familiar enough with it to spot any errors.

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