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№ 09 / 09 · Who lives here

Who lives in Cotford St Luke?

For anyone buying or renting in Cotford St Luke.

Families with mortgages, mostly, and a lot of them. Seven in ten households own. The typical resident is in their thirties rather than retired. Nearly three in ten households are a couple with children, which is a high enough share to explain the traffic at the school gate. This is not a retirement village that let some families in. It is a family village that a few retired people have joined.

Every population figure here comes from the 2021 census. On tenure, about 70% of households own their home and roughly 20% rent privately, with around 9% in social housing. That is a village where the ownership assumption holds, and where a renter is a minority rather than an oddity.

The age profile is the thing that surprises people who expect a Somerset village to be full of retirees. The typical resident is 37, and about 27% are aged 25 to 44. That is a working-age village with young children in it, not a place winding down.

On income, modelled gross household income for the area came to around £59,800 before tax in the financial year to March 2023, which is a snapshot of that year rather than a description of today. Net of tax and other deductions the equivalent figure lands nearer £45,200. Comfortable rather than wealthy, and enough to make the local house prices work without heroics.

Household make-up follows the family pattern. Roughly 28% of households are a couple with children, about 21% are one person living alone, and around 13% are a lone parent with children. Of those single-person households, about 9% of all households are a pensioner living alone, so the older residents here are largely folded into that solo-living group rather than forming a separate block.

Qualifications sit above the middle without being remarkable. About 37% of residents hold a degree-level qualification and roughly 9% have no qualifications at all. Full-time students account for about 3%, which is what you would expect somewhere with no university and a fair drive to one. It is a mixed picture rather than a graduate enclave, and the mix is the point.

Health self-reports are good. Around 88% of residents describe their health as good or very good, with about 3% reporting bad or very bad health. Two wider measures sit at the Somerset level rather than this village's own: preventable mortality across the county is rated better than England, and smoking prevalence at roughly 11% is rated similar to England. Those are council-area figures covering a population of well over half a million, so read them as the regional backdrop rather than a description of anyone on your street.

Who lives here is unremarkable in the most reassuring sense: a settled, middling, family-shaped village where most people own, most people work, and nothing about the profile is going to shock anyone at a viewing.

Sources: ONS Census 2021 · Office for National Statistics · Fingertips public health profiles

Data to May 2026 · Figures checked 19 August 2026 (what this means)