Town

Living in Loans: Liveability Score 47/100

Last updated 7 August 2026

Our overall score for Loans is 47/100, built from 8 categories. Measured against other towns, broadband stands out most: 99/100 where the typical UK town scores 60/100. Its broadband score runs 13 points above the KA10 district's 86/100.

Economic health (80) sits at 80/100 or above. Transport (17) and healthcare (18) all fall below 30/100. On the national picture that lands Loans in the middle half of all the places we score. Wider context for the surrounding area: KA10 postcode district.

47
OUT OF 100
Below Avg
Score for:

Settlement area

The built-up area boundary and the postcodes its score is averaged from, each shaded by its own score. Clustered pins are other settlements. Tap one to view or compare it, or zoom in to reveal more.

Loading map…

Each postcode is coloured by its own overall score on the default weighting. Scores are filled in as postcodes get searched on the site, so a blue dot just means that postcode hasn't been scored yet.

Loans scores 47 but individual postcodes tell the full story

See the exact score for any postcode, side by side with Loans.
Or compare:
KA10 6AA KA10 7AA KA10 9AR KA10

Score breakdown

Safety & Environment

Safety
—

Crime is scored from the last 12 months of police street-level data. Police Scotland does not publish this, and there is no Scottish equivalent of the Police UK open data service, so crime has been left out of the score for this area. This is a gap in published data, not a sign of low crime.

Environment
72
Air Quality NO₂ 3.5 · PM2.5 4.3 · PM10 7.4 µg/m³
83
Green Space 47
Parks Adequate 3
Sports Pitches None
Allotments None
Golf Courses None
Tennis Courts None
Bowling Greens None
Playgrounds Adequate 3

Services

Schools
37
2 schools in area · 8 within 4km
2Good
  • Muirhead Primary SchoolPrimary · inspected 2023
    Good
  • Struthers Primary SchoolPrimary · inspected 2012
    Good

Score reflects proximity-weighted access to rated schools within 4km: areas with more nearby schools score higher regardless of settlement boundary.

Healthcare
18
A&E departmentsCumberland Infirmary79.8 mi
Hexham General Hospital107.6 mi
Community Paramedic Service107.8 mi
Hospital waitsNorth Cumbria Integrated Care NHS Foundation Trust67.8 mi
Routine referral (median)12 wks
Treated within 18 weeks64.3%
A&E seen within 4 hrs62.6%
Nearest GP surgeryPortland Surgery Troon1.7 mi
GP capacity1,513 patients per GP

A&E, dentist and pharmacy data, and CQC ratings, are currently available for England only, not Scotland.

Broadband
99
Full fibre (FTTP)68.6%
available across South Ayrshire
Gigabit-capable · incl. cable
100%
Ultrafast (300+ Mbps)
100%
Superfast (30+ Mbps)
100%
Ofcom Connected Nations · 19 postcodes · full fibre at local-authority level

Economy & Bills

Economic Health
80
Employment rate61.7%
Above the Great Britain average of 57.3% of residents aged 16+
Economic activity (16+)
Employed61.6%Unemployed1.5%Retired24.9%Student3.1%Other inactive8.9%
Occupation mix
Professional & managerial53.2%Skilled & technical30.5%Routine & elementary16.3%
Degree-level (Level 4+) qualifications43.9%
Home ownership83.9%
Among the least-deprived 21% of areas in Scotland
Census 2021/22 (Great Britain) · deprivation: IoD 2025 / SIMD
Bills
71
Council tax South Ayrshire · 2025-26
A £1,046
B £1,220
C £1,395
D £1,569
E £2,061
F £2,550
G £3,073
H £3,844
Energy South Scotland region
Typical bill regional £1,641/yr
Ofgem price cap, GB average · Apr–Jun 2026
Typical home efficiency local EPC band D
Water Scottish Water
Average bill regional £456/yr
Combined water & sewerage · GB average £520

Transport

Transport
17
Barassie 1.3 mi
Troon 1.4 mi
Prestwick International Airport 3 mi
J8 M77 9.6 mi
J8 M77 9.7 mi
J7 M77 10.6 mi

Lifestyle

Lifestyle
38
Pubs & Bars None
Restaurants & Cafes None
Supermarkets & Convenience Some 1
Retail Shopping None
Takeaways None
Fitness None

Places like Loans Pro

Pick the categories you want to beat. Pro members see the most similar settlements that score higher in all of them.

Find somewhere like Loans, but with a higher score in …

ProSimilar settlements is a Pro featureUpgrade to Pro

House Prices

Not published for Scotland

Sold-price data isn't available for Loans. HM Land Registry's Price Paid dataset covers England and Wales only. Scottish sales are recorded separately by Registers of Scotland, which we don't yet include. This is a gap in the data we hold, not a sign of an inactive market.

Nearby places

Troon (South Ayrshire) 49 1.0 mi away ⇄
Dundonald 36 2.3 mi away ⇄
Symington (South Ayrshire) 28 2.4 mi away ⇄
Monkton (South Ayrshire) 47 2.5 mi away ⇄
Shewalton 39 3.1 mi away ⇄
Prestwick 59 3.6 mi away ⇄
Springside 43 4.6 mi away ⇄
Irvine 51 4.8 mi away ⇄
Crosshouse 49 5.1 mi away ⇄
Perceton 38 5.5 mi away ⇄
Mossblown 42 5.7 mi away ⇄
Tarbolton 34 6.0 mi away ⇄

Frequently asked questions

Is Loans a nice place to live?

Loans has some challenges compared to many UK areas. Our liveability score for Loans is 47/100, placing it among a below-average areas in the UK across nine categories: safety, schools, healthcare, environment, transport, broadband, lifestyle, economic health, and bills.

What are the best schools in Loans?

Among the top-rated schools in Loans are Muirhead Primary School and Struthers Primary School, rated Good by Ofsted. There are 2 rated schools in Loans in total.

Postcode districts in Loans

KA10 51 ⇄

Check your exact postcode

Get a personalised score for any UK postcode, tailored to what matters most to you.

Score my postcode