Data from 14,517 property assessments shows M3 averaging 77 out of 100, placing it above the national average. For reference, the England and Wales average is 67 — so M3 is above that benchmark. The most common rating band is B, with 47.6% of homes rated A or B and 49.6% in the C or D bands. Meanwhile, 1.3% of homes sit in the F or G bands — the least efficient categories. In practical terms, a B rating indicates well-insulated homes with efficient heating — energy bills here tend to be well below average.

Walk through M3 and you will mostly see flats. Flats alone account for 94% of all certificated properties — a distinctly urban profile. Around 35% of properties are owner-occupied , while 49% are privately rented and 16% are social housing. That high proportion of rental homes matters — landlords in M3 must comply with the Minimum Energy Efficiency Standards (MEES), which currently require at least an EPC E rating. Properties rated F or G cannot legally be let. A significant share of homes here rely on electric heating, which tends to be more expensive per unit of energy than gas.

There is genuine room for improvement here. If every recommended upgrade were carried out, the average score could climb from 77 to 81 — a 4-point jump that would lift the typical rating to B. If you live in M3 and want to reduce your energy bills, start with our guide to loft insulation — it is one of the most cost-effective upgrades you can make.