Buying and Selling Property UK 2026 — The Complete Process GuideAverage House Price by Region UK 2026 — Property Values Across Britain
How much houses cost across the UK in 2026. Average property prices by region, city, and property type — plus affordability ratios and price trends.
House prices vary enormously across the UK — from under £100,000 in parts of the North to over £1 million in prime London. Here’s the full picture for 2026.
UK House Prices Overview 2026
National Summary
| Metric | Value |
|---|
| UK average house price | £285,000 |
| UK median house price | £250,000 |
| Annual price change | +2.8% |
| First-time buyer average | £235,000 |
| Average deposit (FTB) | £35,000 (15%) |
| Properties sold per year | 1.1 million |
Average Prices by Country
| Country | Average Price | Annual Change | 5-Year Change |
|---|
| England | £305,000 | +2.5% | +18% |
| Wales | £215,000 | +3.8% | +28% |
| Scotland | £195,000 | +3.2% | +22% |
| Northern Ireland | £185,000 | +4.5% | +32% |
| UK Average | £285,000 | +2.8% | +20% |
Average House Price by Region — England
Regional Prices 2026
| Region | Average Price | Annual Change | vs UK Average |
|---|
| London | £525,000 | +1.8% | +84% |
| South East | £385,000 | +2.2% | +35% |
| East of England | £340,000 | +2.5% | +19% |
| South West | £320,000 | +3.1% | +12% |
| West Midlands | £255,000 | +3.2% | -11% |
| East Midlands | £245,000 | +2.9% | -14% |
| North West | £225,000 | +3.5% | -21% |
| Yorkshire & Humber | £210,000 | +3.3% | -26% |
| North East | £165,000 | +2.8% | -42% |
What You Can Buy for the UK Average (£285,000)
| Region | Property Type |
|---|
| London | 1-bed flat (Zone 3-4) |
| South East | 2-bed flat or small house |
| South West | 3-bed semi-detached |
| Midlands | 3-4 bed detached |
| North West | 4-bed detached |
| North East | Large 4-5 bed detached |
House Prices by Major City
Most Expensive Cities
| City | Average Price | 3-Bed Semi | 1-Bed Flat |
|---|
| London | £525,000 | £550,000 | £380,000 |
| Oxford | £485,000 | £520,000 | £320,000 |
| Cambridge | £475,000 | £510,000 | £310,000 |
| Brighton | £420,000 | £450,000 | £280,000 |
| Bath | £410,000 | £440,000 | £265,000 |
| Winchester | £520,000 | £550,000 | £320,000 |
| Reading | £365,000 | £390,000 | £245,000 |
| Bristol | £365,000 | £380,000 | £250,000 |
| Southampton | £280,000 | £295,000 | £175,000 |
| Edinburgh | £320,000 | £340,000 | £210,000 |
Mid-Range Cities
| City | Average Price | 3-Bed Semi | 1-Bed Flat |
|---|
| Manchester | £280,000 | £300,000 | £185,000 |
| Leeds | £255,000 | £270,000 | £160,000 |
| Birmingham | £255,000 | £265,000 | £155,000 |
| Glasgow | £195,000 | £210,000 | £130,000 |
| Nottingham | £235,000 | £245,000 | £145,000 |
| Leicester | £240,000 | £250,000 | £145,000 |
| Sheffield | £220,000 | £230,000 | £135,000 |
| Cardiff | £280,000 | £295,000 | £175,000 |
| Liverpool | £185,000 | £195,000 | £120,000 |
| Newcastle | £195,000 | £205,000 | £125,000 |
Most Affordable Cities
| City | Average Price | 3-Bed Semi | 1-Bed Flat |
|---|
| Sunderland | £140,000 | £145,000 | £75,000 |
| Hull | £145,000 | £150,000 | £80,000 |
| Bradford | £155,000 | £160,000 | £85,000 |
| Stoke-on-Trent | £160,000 | £165,000 | £85,000 |
| Middlesbrough | £150,000 | £155,000 | £80,000 |
| Blackpool | £140,000 | £145,000 | £70,000 |
| Grimsby | £135,000 | £140,000 | £70,000 |
| Burnley | £120,000 | £125,000 | £65,000 |
| Dundee | £165,000 | £175,000 | £100,000 |
| Derry | £155,000 | £165,000 | £95,000 |
London Borough Prices
Outer to Inner London
| Borough | Average Price | Annual Change |
|---|
| Inner London | | |
| Kensington & Chelsea | £1,400,000 | +1.2% |
| Westminster | £1,050,000 | +0.8% |
| Camden | £850,000 | +1.5% |
| Islington | £720,000 | +1.8% |
| Hackney | £620,000 | +2.2% |
| Tower Hamlets | £480,000 | +2.5% |
| Southwark | £540,000 | +2.0% |
| Lambeth | £550,000 | +1.8% |
| Mid London | | |
| Richmond | £850,000 | +1.5% |
| Wandsworth | £680,000 | +1.8% |
| Hammersmith & Fulham | £780,000 | +1.2% |
| Ealing | £520,000 | +2.0% |
| Hounslow | £450,000 | +2.5% |
| Greenwich | £450,000 | +2.8% |
| Lewisham | £450,000 | +2.5% |
| Outer London | | |
| Bromley | £480,000 | +2.2% |
| Croydon | £420,000 | +2.8% |
| Sutton | £450,000 | +2.5% |
| Bexley | £395,000 | +3.2% |
| Havering | £410,000 | +3.0% |
| Barking & Dagenham | £340,000 | +3.5% |
House Prices by Property Type
UK Average by Type
| Property Type | Average Price | % of Sales |
|---|
| Detached | £445,000 | 25% |
| Semi-detached | £285,000 | 28% |
| Terraced | £240,000 | 27% |
| Flat/maisonette | £230,000 | 20% |
Regional Variation by Type
| Region | Detached | Semi | Terraced | Flat |
|---|
| London | £1,050,000 | £620,000 | £540,000 | £420,000 |
| South East | £585,000 | £375,000 | £320,000 | £240,000 |
| South West | £450,000 | £295,000 | £265,000 | £210,000 |
| East | £495,000 | £325,000 | £285,000 | £215,000 |
| West Midlands | £385,000 | £235,000 | £180,000 | £145,000 |
| East Midlands | £365,000 | £225,000 | £170,000 | £135,000 |
| North West | £345,000 | £205,000 | £155,000 | £140,000 |
| Yorkshire | £320,000 | £195,000 | £145,000 | £130,000 |
| North East | £270,000 | £155,000 | £115,000 | £95,000 |
| Wales | £330,000 | £195,000 | £155,000 | £135,000 |
| Scotland | £295,000 | £180,000 | £145,000 | £125,000 |
Affordability Ratios
House Price to Earnings
| Region | Avg House Price | Avg Salary | Price/Income Ratio |
|---|
| London | £525,000 | £44,370 | 11.8x |
| South East | £385,000 | £38,500 | 10.0x |
| East of England | £340,000 | £35,800 | 9.5x |
| South West | £320,000 | £33,200 | 9.6x |
| West Midlands | £255,000 | £33,500 | 7.6x |
| East Midlands | £245,000 | £32,800 | 7.5x |
| North West | £225,000 | £33,200 | 6.8x |
| Yorkshire | £210,000 | £32,400 | 6.5x |
| North East | £165,000 | £31,200 | 5.3x |
| Wales | £215,000 | £31,500 | 6.8x |
| Scotland | £195,000 | £33,000 | 5.9x |
| N. Ireland | £185,000 | £30,800 | 6.0x |
| UK | £285,000 | £35,000 | 8.1x |
Income Needed to Buy
Based on 4.5x mortgage, 10% deposit
| House Price | Income Needed | Monthly Mortgage Payment |
|---|
| £150,000 | £30,000 | £751 |
| £200,000 | £40,000 | £1,001 |
| £250,000 | £50,000 | £1,251 |
| £300,000 | £60,000 | £1,501 |
| £400,000 | £80,000 | £2,002 |
| £500,000 | £100,000 | £2,502 |
Cheapest Places to Buy
Towns Under £150,000 Average
| Town/Area | Region | Average Price |
|---|
| Shildon | County Durham | £80,000 |
| Ferryhill | County Durham | £90,000 |
| Burnley | Lancashire | £120,000 |
| Horden | County Durham | £85,000 |
| Peterlee | County Durham | £95,000 |
| Accrington | Lancashire | £125,000 |
| Nelson | Lancashire | £115,000 |
| Merthyr Tydfil | Wales | £130,000 |
| Port Talbot | Wales | £135,000 |
| Ebbw Vale | Wales | £125,000 |
| Airdrie | Scotland | £135,000 |
| Cumnock | Scotland | £95,000 |
Where £100,000 Gets You a House
| Location | What £100,000 Buys |
|---|
| County Durham | 2-3 bed terraced |
| Burnley | 2-3 bed terraced |
| Stoke-on-Trent | 2 bed terraced |
| Hull | 2 bed terraced |
| Bradford | 2 bed terraced |
| South Wales Valleys | 2-3 bed terraced |
| Central Scotland | 1-2 bed flat |
House Price Trends
Historical UK Average Prices
| Year | Average Price | Annual Change |
|---|
| 2016 | £215,000 | +7.2% |
| 2017 | £225,000 | +4.7% |
| 2018 | £230,000 | +2.2% |
| 2019 | £235,000 | +2.2% |
| 2020 | £250,000 | +6.4% |
| 2021 | £275,000 | +10.0% |
| 2022 | £285,000 | +3.6% |
| 2023 | £280,000 | -1.8% |
| 2024 | £277,000 | -1.1% |
| 2025 | £282,000 | +1.8% |
| 2026 | £285,000 | +2.8% |
Decade of Growth by Region
| Region | 2016 | 2026 | 10-Year Change |
|---|
| London | £475,000 | £525,000 | +11% |
| South East | £310,000 | £385,000 | +24% |
| East | £280,000 | £340,000 | +21% |
| South West | £240,000 | £320,000 | +33% |
| West Midlands | £185,000 | £255,000 | +38% |
| East Midlands | £175,000 | £245,000 | +40% |
| North West | £155,000 | £225,000 | +45% |
| Yorkshire | £150,000 | £210,000 | +40% |
| North East | £125,000 | £165,000 | +32% |
| Wales | £150,000 | £215,000 | +43% |
| Scotland | £145,000 | £195,000 | +34% |
First-Time Buyer Statistics
FTB Market 2026
| Metric | Value |
|---|
| Number of FTB purchases | 370,000 |
| Average FTB property price | £235,000 |
| Average FTB deposit | £35,000 (15%) |
| Average FTB age | 33 |
| Average time saving | 8 years |
| % buying with help from family | 52% |
| Average family contribution | £26,000 |
FTB Prices by Region
| Region | FTB Average | Deposit (15%) | Income Needed |
|---|
| London | £420,000 | £63,000 | £79,000 |
| South East | £310,000 | £46,500 | £58,500 |
| South West | £260,000 | £39,000 | £49,000 |
| East | £280,000 | £42,000 | £53,000 |
| West Midlands | £210,000 | £31,500 | £39,500 |
| East Midlands | £200,000 | £30,000 | £38,000 |
| North West | £185,000 | £27,750 | £35,000 |
| Yorkshire | £175,000 | £26,250 | £33,000 |
| North East | £140,000 | £21,000 | £26,500 |
| Wales | £175,000 | £26,250 | £33,000 |
| Scotland | £165,000 | £24,750 | £31,000 |