NYROX Household Benchmarks: October 2026 Averages

NYROX published its latest set of household benchmarks on 3 October 2026. Each figure is an arithmetic mean of numbers collected from publicly available sources — regulators, official statistics and comparison publishers — and reviewed by an administrator before publication. Every benchmark below covers the United Kingdom.

These are indicative averages for a set period. They are not live prices, not rates anyone is guaranteed to be offered, and not a verdict on whether your own bill is reasonable. Most series in this release draw on one or two sources and are marked medium or low confidence, so treat them as a rough reference point rather than a precise market reading.

Energy: two very different pictures

The October release carries two electricity standing charge averages and two unit price averages, reflecting the different source bases behind them. The standing charge figures are 54.83p/day and 29.68p/day. Against a previous period average of 55.9075p/day, that is a change of -1.9% for the higher figure and -46.9% for the lower one. Both are drawn from two sources and are medium confidence, so both are indicative.

A standing charge is the fixed daily amount charged before any electricity is used. Arithmetically, 54.83p/day over a 365-day year is roughly £200; 29.68p/day over the same period is roughly £108. That gap is the single clearest illustration of why a daily figure is worth reading carefully on your own bill — it is the part of the cost that does not fall when usage does.

Unit prices show a similar split. One average sits at 26.995p/kWh, up 268.3% on a previous period average of 7.33p/kWh. The other sits at 6.965p/kWh, down 5% on the same previous figure, and is marked low confidence with two sources — distinctly indicative and best read alongside, not instead of, your own tariff documentation. The very wide divergence between the two series suggests they are capturing different tariff structures rather than a single market price.

For a household, the practical step is not to act on either number but to find the equivalent lines on your own bill: the pence-per-day standing charge, the pence-per-kWh unit rate, and whether the rate you are on is a promotional or a standard one. Those are the comparable fields. If a promotional rate has an end date attached, that date matters as much as the rate itself — the point where a fixed-term contract rolls onto standard pricing is where households most often find their costs change without any notice they registered at the time.

Transport: fuel moved up on both grades

Unleaded petrol averaged 172.01p/litre, against a previous period average of 154.364p/litre — a rise of 11.4%. Diesel averaged 195.53p/litre, against 169.376p/litre previously, a rise of 15.4%. Both series rest on a single source and are medium confidence, so both are indicative.

Fuel is the most visible price most households see, and also the least contract-bound: there is no renewal date, no exit fee and no promotional period. What the figures mean in plain terms is that the per-litre cost of filling up averaged higher in this period than the last across both grades, with diesel moving more than petrol. If you track fuel spend, the useful comparison is your own average pence-per-litre across recent fills rather than a single forecourt price.

Insurance: home premiums diverge, car premiums ease

Two home insurance averages appear: £306/year and £383/year. Both are measured against a previous period average of £132/year, giving changes of 131.8% and 190.2% respectively. Each comes from a single source and is medium confidence, so both are indicative and the gap between them should be read as uncertainty in the underlying data rather than a precise spread of what households pay.

Car insurance averaged £560/year, against a previous period average of £589/year — a fall of 4.9%, again from one source and medium confidence.

Annual premiums are the classic renewal-dated cost: they arrive once a year, often by post or email, and often with a renewal that proceeds automatically unless something is done. The figure on your own schedule is directly comparable to these benchmarks in unit terms — pounds per year — but your premium reflects your property, your vehicle, your history and your cover level, none of which these averages account for. The more useful exercise is knowing the renewal date is coming at all, which is the same discipline as keeping a register of renewal dates before they auto-renew.

Mortgages: small moves on fixes, a new variable series

The 2-year fixed mortgage rate averaged 5.56%, against a previous period average of 5.5417% — a change of 0.3%. The 5-year fixed rate also averaged 5.56%, against 5.4367% previously, a change of 2.3%. Both draw on two sources and are medium confidence, so both are indicative.

Two variable / SVR averages are published: 8.17% and 4.49%. Neither has a previous period figure, so these series are new in this release and no trend can be stated. Both come from a single source and are medium confidence.

What a percentage-point difference means in principle is straightforward: interest is charged on the outstanding balance, so a higher rate means more of each payment goes to interest and less to capital, for the same balance and term. NYROX does not publish monthly payment figures and will not estimate one — the only reliable number for your own situation is the one on your own mortgage statement or offer documentation.

Credit cards

The credit card APR benchmark averaged 35.3%, against a previous period average of 35.7% — a fall of 1.1%, from one source and medium confidence, so indicative. APR is an annualised representation of the cost of borrowing on the card, and the figure that applies to any individual account is the one stated on that account's own documentation.

How to use any of this

The honest use of a benchmark is as a reference point for a question, not an answer. A reasonable sequence looks like this:

• Find the matching field on your own paperwork — p/day, p/kWh, £/year, % — and write it down with the date it applies from.
• Note whether it is a promotional or standard rate, and when any promotional period ends.
• Note the renewal or review date, and whether any exit fee or notice period is attached.

That is a bill audit in miniature, and doing it across every outflow at once is what turns scattered numbers into something you can actually read. There is a longer walkthrough of how to run a household bill audit if you want the full version.

The awkward part is that this information lives in a dozen places — a PDF schedule, a tariff letter, a contract you downloaded once. NYROX keeps those fields in one encrypted record on your own device, with per-service-type fields for contract term, exit fee, tariff type and usage, so the comparison above takes minutes rather than an afternoon. It never connects to a bank and never reads email, and it cannot read your data.

Nothing here is financial advice, and nothing here recommends switching, fixing or any other regulated action. These are averages for a period, published so that households have something to measure their own paperwork against.

If you want your own figures somewhere you can find them next October, NYROX is at nyroxapp.com.

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This article is general information and does not constitute financial, tax, investment, or legal advice.