LiveWhere First-Time Buyer Index: the monthly cost of owning a first-time buyer's home in England and Wales
August 2026 edition Published 21 October 2026 Updated monthly, on the day the official UK House Price Index is published
Owning a typical first home in England and Wales cost a first-time buyer £1,714 a month in August 2026, £110 more than a year earlier (+6.8%). The figure is for someone buying their first home now, not for existing homeowners. The monthly cost was £1,736 in England (+6.7% on the year) and £1,406 in Wales (+8.8%).
Mortgage rates did most to change the cost: the average quoted rate for a 2-year fix at 90% loan to value rose from 4.55% to 5.16%, which added £77 a month. Across the regions, the change over the year ranged from +4.0% in London to +8.8% in Wales.
Monthly cost of owning, August 2026
England and Wales
£1,714
a month, first-time buyer home
- On the month
- +£16 (+1.0%)
- On the year
- +£110 (+6.8%)
England
£1,736
a month, first-time buyer home
- On the month
- +£16 (+0.9%)
- On the year
- +£109 (+6.7%)
Wales
£1,406
a month, first-time buyer home
- On the month
- +£21 (+1.5%)
- On the year
- +£114 (+8.8%)
What is the average monthly mortgage payment for a first-time buyer?
For a first-time buyer in England and Wales buying in August 2026, the average monthly mortgage payment is £1,294. It is £1,315 in England and £996 in Wales. These figures assume the average first-time buyer price from the official UK House Price Index, a 10% deposit and a 2-year fixed rate at 90% loan to value (5.16%, the Bank of England's average quoted rate), repaid over 25 years.
How much does it cost to buy a first home?
At the average first-time buyer price in England and Wales, £242,014, a 10% deposit is £24,201. At the average first-time buyer price, no stamp duty or Land Transaction Tax is due.
First-time buyers would pay some in 95 of 317 areas, based on each area's average price. The highest amounts are in Kensington and Chelsea (£45,794), Westminster (£29,589) and Camden (£24,829). To work out the tax on a particular price, use the first-time buyer stamp duty calculator.
| Area | Average first-time buyer price | 10% deposit | Stamp duty or LTT |
|---|---|---|---|
| England and Wales | £242,014 | £24,201 | Different taxes in England and Wales |
| England | £246,042 | £24,604 | £0 |
| Wales | £186,313 | £18,631 | £0 |
England (rules from 1 April 2025): a first-time buyer pays no stamp duty up to £300,000 and 5% on the part from £300,001 to £500,000. Above £500,000 there is no first-time buyer relief and standard rates apply to the whole price. Wales: Land Transaction Tax has no first-time buyer relief (0% up to £225,000, 6% to £400,000, 7.5% to £750,000, 10% to £1.5 million, 12% above). Legal fees and other buying costs are not included. Each area's own deposit and tax are in the downloads.
What's driving the change
The change in the England and Wales monthly cost over the year, August 2025 to August 2026, split into its parts. The parts add up to the total change of +£110 a month.
| Part | Change a month |
|---|---|
| House price | +£9 |
| Mortgage rate | +£77 |
| Energy | +£12 |
| Council tax | +£9 |
| Water and sewerage | +£3 |
| Total | +£110 |
The house price part is the change in the mortgage from the change in the first-time buyer average price; the mortgage rate part is the change from the rate. Energy, council tax and water are the change in each bill.
England and Wales monthly cost since January 2024
Show the chart's data as a table
| Month | Monthly cost |
|---|---|
| January 2024 | £1,635 |
| February 2024 | £1,613 |
| March 2024 | £1,628 |
| April 2024 | £1,633 |
| May 2024 | £1,670 |
| June 2024 | £1,676 |
| July 2024 | £1,668 |
| August 2024 | £1,674 |
| September 2024 | £1,654 |
| October 2024 | £1,658 |
| November 2024 | £1,670 |
| December 2024 | £1,663 |
| January 2025 | £1,663 |
| February 2025 | £1,656 |
| March 2025 | £1,659 |
| April 2025 | £1,613 |
| May 2025 | £1,620 |
| June 2025 | £1,629 |
| July 2025 | £1,605 |
| August 2025 | £1,604 |
| September 2025 | £1,601 |
| October 2025 | £1,606 |
| November 2025 | £1,598 |
| December 2025 | £1,581 |
| January 2026 | £1,577 |
| February 2026 | £1,577 |
| March 2026 | £1,628 |
| April 2026 | £1,723 |
| May 2026 | £1,708 |
| June 2026 | £1,687 |
| July 2026 | £1,698 |
| August 2026 | £1,714 |
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By region
| Region | Monthly cost | On the month | On the year |
|---|---|---|---|
| North East | £1,189 | +£3 (+0.2%) | +£95 (+8.7%) |
| North West | £1,450 | +£10 (+0.7%) | +£108 (+8.0%) |
| Yorkshire and The Humber | £1,385 | +£10 (+0.7%) | +£102 (+7.9%) |
| East Midlands | £1,526 | +£13 (+0.9%) | +£96 (+6.7%) |
| West Midlands | £1,552 | +£14 (+0.9%) | +£111 (+7.7%) |
| East of England | £1,915 | +£18 (+1.0%) | +£119 (+6.6%) |
| London | £2,924 | +£51 (+1.8%) | +£113 (+4.0%) |
| South East | £2,043 | +£13 (+0.6%) | +£109 (+5.6%) |
| South West | £1,773 | +£20 (+1.1%) | +£106 (+6.4%) |
| Wales | £1,406 | +£21 (+1.5%) | +£114 (+8.8%) |
Regional figures use UK HPI's own average price for each region; energy, council tax and water are averages of the region's local authorities, weighted by number of homes.
Most expensive
- 1 Kensington and Chelsea London £5,829
- 2 Westminster † London £4,544
- 3 Camden † London £4,121
- 4 Richmond upon Thames London £3,891
- 5 Hammersmith and Fulham † London £3,775
- 6 Islington London £3,454
- 7 Wandsworth London £3,430
- 8 Hackney London £3,376
- 9 Haringey London £3,265
- 10 Merton London £3,166
Least expensive
- 1 Hartlepool North East £1,052
- 2 Burnley North West £1,079
- 3 Hull Yorkshire and The Humber £1,081
- 4 Sunderland North East £1,085
- 5 County Durham North East £1,093
- 6 Middlesbrough North East £1,096
- 7 Redcar and Cleveland North East £1,105
- 8 Blackpool North West £1,105
- 9 North East Lincolnshire Yorkshire and The Humber £1,121
- 10 Hyndburn North West £1,126
Biggest risers over the year
- 1 Calderdale Yorkshire and The Humber: £1,211 to £1,358 a month +£147+12.1%
- 2 Trafford North West: £1,893 to £2,120 a month +£226+12.0%
- 3 Pendle North West: £1,068 to £1,195 a month +£127+11.9%
- 4 High Peak East Midlands: £1,479 to £1,645 a month +£166+11.3%
- 5 Mid Suffolk East of England: £1,635 to £1,814 a month +£179+10.9%
- 6 Newcastle upon Tyne North East: £1,272 to £1,410 a month +£138+10.9%
- 7 Wirral North West: £1,305 to £1,446 a month +£142+10.9%
- 8 Hull Yorkshire and The Humber: £975 to £1,081 a month +£105+10.8%
- 9 Hyndburn North West: £1,016 to £1,126 a month +£110+10.8%
- 10 North East Derbyshire East Midlands: £1,431 to £1,584 a month +£152+10.7%
Biggest fallers over the year
- 1 Westminster † London: £4,959 to £4,544 a month -£416-8.4%
- 2 Kensington and Chelsea London: £6,356 to £5,829 a month -£527-8.3%
- 3 Tower Hamlets † London: £2,818 to £2,652 a month -£166-5.9%
- 4 Camden † London: £4,307 to £4,121 a month -£186-4.3%
- 5 Islington London: £3,531 to £3,454 a month -£77-2.2%
- 6 Lambeth London: £2,910 to £2,909 a month -£10.0%
- 7 Wandsworth London: £3,408 to £3,430 a month +£22+0.6%
- 8 Hammersmith and Fulham † London: £3,741 to £3,775 a month +£33+0.9%
- 9 Barnet † London: £2,854 to £2,897 a month +£44+1.5%
- 10 Dartford South East: £1,969 to £2,006 a month +£38+1.9%
Lists include only areas that meet the headline rule: at least 50 sales a month on average, and a first-time buyer price that moved by 5% or less on the month. Every area is in the table below.
Fewer sales than usual. Information only, does not affect eligibility. The area's UK HPI sales in the latest 12 months with sales figures, compared with the 12 months before, changed by more than 10 percentage points less than sales in its country (England or Wales) over the same periods. Using 12-month periods, and comparing with the country, means short national swings, such as the rush of sales before the stamp duty change on 1 April 2025, and provisional recent sales figures do not trigger it.
Average first-time buyer house price and monthly cost by area
All 317 local authorities in the index, for August 2026.
Showing 10 of 317 areas. Select a column heading to sort.
| Adur | South East | £322,256 | £2,156 | +£8 (+0.4%) | +£126 (+6.2%) |
|---|---|---|---|---|---|
| Amber Valley | East Midlands | £205,248 | £1,508 | +£11 (+0.7%) | +£121 (+8.7%) |
| Arun | South East | £253,833 | £1,775 | +£9 (+0.5%) | +£88 (+5.2%) |
| Ashfield | East Midlands | £171,008 | £1,336 | +£11 (+0.8%) | +£99 (+8.0%) |
| Ashford | South East | £282,491 | £1,946 | -£17 (-0.9%) | +£104 (+5.7%) |
| Babergh | East of England | £262,771 | £1,834 | +£15 (+0.8%) | +£123 (+7.2%) |
| Barking and Dagenham | London | £354,545 | £2,288 | -£13 (-0.6%) | +£211 (+10.1%) |
| Barnet Fewer sales than usual | London | £463,079 | £2,897 | -£3 (-0.1%) | +£44 (+1.5%) |
| Barnsley | Yorkshire and The Humber | £154,540 | £1,227 | +£1 (+0.1%) | +£89 (+7.8%) |
| Basildon | East of England | £306,407 | £2,057 | +£17 (+0.8%) | +£128 (+6.6%) |
| Basingstoke and Deane | South East | £297,500 | £2,002 | +£21 (+1.1%) | +£154 (+8.3%) |
| Bassetlaw | East Midlands | £183,215 | £1,409 | -£6 (-0.4%) | +£109 (+8.4%) |
| Bath and North East Somerset | South West | £331,079 | £2,201 | +£2 (+0.1%) | +£100 (+4.8%) |
| Bedford | East of England | £273,305 | £1,895 | +£16 (+0.8%) | +£135 (+7.7%) |
| Bexley | London | £362,775 | £2,363 | +£24 (+1.0%) | +£171 (+7.8%) |
| Birmingham | West Midlands | £212,774 | £1,558 | +£19 (+1.2%) | +£114 (+7.9%) |
| Blaby | East Midlands | £260,507 | £1,813 | +£29 (+1.6%) | +£151 (+9.1%) |
| Blackburn with Darwen | North West | £145,946 | £1,203 | -£6 (-0.5%) | +£70 (+6.2%) |
| Blackpool | North West | £128,480 | £1,105 | +£12 (+1.1%) | +£98 (+9.7%) |
| Blaenau Gwent | Wales | £136,700 | £1,156 | +£7 (+0.6%) | +£81 (+7.6%) |
| Bolsover | East Midlands | £169,721 | £1,322 | +£8 (+0.6%) | +£95 (+7.7%) |
| Bolton | North West | £180,018 | £1,378 | +£10 (+0.7%) | +£125 (+9.9%) |
| Boston | East Midlands | £155,661 | £1,242 | +£17 (+1.4%) | +£61 (+5.1%) |
| Bournemouth, Christchurch and Poole | South West | £248,778 | £1,740 | +£15 (+0.9%) | +£84 (+5.1%) |
| Bracknell Forest | South East | £318,897 | £2,122 | +£16 (+0.8%) | +£93 (+4.6%) |
| Bradford | Yorkshire and The Humber | £166,791 | £1,316 | +£16 (+1.2%) | +£98 (+8.1%) |
| Braintree | East of England | £266,204 | £1,843 | +£17 (+1.0%) | +£135 (+7.9%) |
| Breckland | East of England | £223,317 | £1,625 | +£1 (+0.1%) | +£98 (+6.4%) |
| Brent | London | £482,719 | £3,000 | +£90 (+3.1%) | +£169 (+6.0%) |
| Brentwood | East of England | £374,949 | £2,447 | +£37 (+1.5%) | +£144 (+6.2%) |
| Bridgend | Wales | £185,670 | £1,411 | +£15 (+1.1%) | +£110 (+8.5%) |
| Brighton and Hove | South East | £343,329 | £2,270 | +£18 (+0.8%) | +£95 (+4.4%) |
| Bristol | South West | £314,404 | £2,116 | +£16 (+0.8%) | +£140 (+7.1%) |
| Broadland | East of England | £270,304 | £1,871 | +£12 (+0.7%) | +£152 (+8.8%) |
| Bromley | London | £397,470 | £2,542 | +£48 (+1.9%) | +£131 (+5.4%) |
| Bromsgrove | West Midlands | £257,627 | £1,818 | +£4 (+0.2%) | +£134 (+8.0%) |
| Broxbourne | East of England | £343,542 | £2,259 | +£32 (+1.5%) | +£173 (+8.3%) |
| Broxtowe | East Midlands | £221,281 | £1,609 | -£5 (-0.3%) | +£48 (+3.0%) |
| Buckinghamshire | South East | £353,944 | £2,361 | +£13 (+0.5%) | +£141 (+6.4%) |
| Burnley | North West | £123,197 | £1,079 | +£11 (+1.0%) | +£95 (+9.7%) |
| Bury | North West | £214,424 | £1,578 | +£15 (+1.0%) | +£122 (+8.4%) |
| Caerphilly | Wales | £180,385 | £1,352 | +£18 (+1.3%) | +£121 (+9.9%) |
| Calderdale | Yorkshire and The Humber | £174,353 | £1,358 | +£33 (+2.5%) | +£147 (+12.1%) |
| Cambridge | East of England | £393,745 | £2,520 | +£4 (+0.2%) | +£101 (+4.2%) |
| Camden Fewer sales than usual | London | £696,585 | £4,121 | -£23 (-0.6%) | -£186 (-4.3%) |
| Cannock Chase | West Midlands | £204,194 | £1,492 | -£15 (-1.0%) | +£75 (+5.3%) |
| Canterbury | South East | £284,041 | £1,948 | +£16 (+0.8%) | +£110 (+6.0%) |
| Cardiff | Wales | £234,533 | £1,637 | +£17 (+1.1%) | +£123 (+8.1%) |
| Carmarthenshire | Wales | £169,075 | £1,321 | -£5 (-0.4%) | +£101 (+8.3%) |
| Castle Point | East of England | £307,215 | £2,071 | +£22 (+1.1%) | +£59 (+2.9%) |
| Central Bedfordshire | East of England | £299,948 | £2,041 | +£14 (+0.7%) | +£128 (+6.7%) |
| Ceredigion | Wales | £194,781 | £1,482 | +£6 (+0.4%) | +£70 (+4.9%) |
| Charnwood | East Midlands | £229,590 | £1,638 | -£4 (-0.2%) | +£104 (+6.8%) |
| Chelmsford | East of England | £297,135 | £2,016 | +£11 (+0.6%) | +£81 (+4.2%) |
| Cheltenham | South West | £273,977 | £1,870 | +£43 (+2.4%) | +£127 (+7.3%) |
| Cherwell | South East | £305,382 | £2,079 | +£22 (+1.1%) | +£166 (+8.7%) |
| Cheshire East | North West | £252,798 | £1,797 | +£31 (+1.8%) | +£166 (+10.2%) |
| Cheshire West and Chester | North West | £223,667 | £1,633 | +£18 (+1.1%) | +£141 (+9.5%) |
| Chesterfield | East Midlands | £177,131 | £1,348 | +£14 (+1.1%) | +£108 (+8.7%) |
| Chichester | South East | £335,901 | £2,234 | +£7 (+0.3%) | +£84 (+3.9%) |
| Chorley | North West | £186,036 | £1,413 | +£24 (+1.7%) | +£118 (+9.1%) |
| City of London Low sales volume Fewer sales than usual | London | £717,122 | £4,177 | +£53 (+1.3%) | -£360 (-7.9%) |
| Colchester | East of England | £247,168 | £1,735 | -£1 (0.0%) | +£87 (+5.3%) |
| Conwy | Wales | £189,977 | £1,442 | +£17 (+1.2%) | +£116 (+8.8%) |
| Cornwall | South West | £226,508 | £1,658 | +£12 (+0.7%) | +£61 (+3.8%) |
| Cotswold | South West | £325,128 | £2,196 | +£37 (+1.7%) | +£99 (+4.7%) |
| County Durham | North East | £125,556 | £1,093 | +£11 (+1.0%) | +£93 (+9.3%) |
| Coventry | West Midlands | £207,081 | £1,523 | +£20 (+1.3%) | +£131 (+9.4%) |
| Crawley | South East | £297,902 | £2,008 | +£12 (+0.6%) | +£146 (+7.9%) |
| Croydon | London | £332,560 | £2,228 | +£40 (+1.8%) | +£102 (+4.8%) |
| Cumberland | North West | £152,989 | £1,242 | +£19 (+1.6%) | +£102 (+9.0%) |
| Dacorum | East of England | £364,385 | £2,377 | -£1 (0.0%) | +£143 (+6.4%) |
| Darlington | North East | £140,719 | £1,164 | +£5 (+0.4%) | +£85 (+7.9%) |
| Dartford | South East | £297,477 | £2,006 | -£17 (-0.8%) | +£38 (+1.9%) |
| Denbighshire | Wales | £180,855 | £1,389 | +£32 (+2.3%) | +£127 (+10.1%) |
| Derby | East Midlands | £187,817 | £1,401 | +£16 (+1.2%) | +£111 (+8.6%) |
| Derbyshire Dales | East Midlands | £275,503 | £1,907 | -£39 (-2.0%) | +£109 (+6.1%) |
| Doncaster | Yorkshire and The Humber | £156,486 | £1,227 | +£7 (+0.6%) | +£101 (+8.9%) |
| Dorset | South West | £257,241 | £1,830 | +£25 (+1.4%) | +£102 (+5.9%) |
| Dover | South East | £238,056 | £1,691 | +£27 (+1.6%) | +£101 (+6.4%) |
| Dudley | West Midlands | £207,742 | £1,492 | +£12 (+0.8%) | +£126 (+9.2%) |
| Ealing | London | £493,727 | £3,045 | +£66 (+2.2%) | +£215 (+7.6%) |
| East Cambridgeshire | East of England | £295,761 | £2,021 | -£20 (-1.0%) | +£153 (+8.2%) |
| East Devon | South West | £275,754 | £1,915 | +£38 (+2.1%) | +£142 (+8.0%) |
| East Hampshire | South East | £309,704 | £2,093 | +£14 (+0.7%) | +£99 (+5.0%) |
| East Hertfordshire | East of England | £356,853 | £2,348 | +£15 (+0.6%) | +£170 (+7.8%) |
| East Lindsey | East Midlands | £172,896 | £1,338 | -£8 (-0.6%) | +£68 (+5.3%) |
| East Riding of Yorkshire | Yorkshire and The Humber | £183,537 | £1,407 | +£9 (+0.6%) | +£91 (+6.9%) |
| East Staffordshire | West Midlands | £195,087 | £1,442 | +£17 (+1.2%) | +£109 (+8.2%) |
| East Suffolk | East of England | £227,188 | £1,630 | +£25 (+1.5%) | +£73 (+4.7%) |
| Eastbourne | South East | £218,785 | £1,603 | +£19 (+1.2%) | +£86 (+5.7%) |
| Eastleigh | South East | £253,901 | £1,774 | +£25 (+1.5%) | +£144 (+8.9%) |
| Elmbridge | South East | £492,874 | £3,119 | +£6 (+0.2%) | +£184 (+6.3%) |
| Enfield | London | £401,763 | £2,572 | +£45 (+1.8%) | +£161 (+6.7%) |
| Epping Forest | East of England | £410,012 | £2,635 | +£23 (+0.9%) | +£141 (+5.7%) |
| Epsom and Ewell | South East | £421,646 | £2,715 | +£19 (+0.7%) | +£221 (+8.9%) |
| Erewash | East Midlands | £192,228 | £1,428 | +£18 (+1.3%) | +£99 (+7.5%) |
| Exeter | South West | £249,707 | £1,752 | +£38 (+2.2%) | +£94 (+5.7%) |
| Fareham | South East | £264,017 | £1,810 | +£20 (+1.1%) | +£114 (+6.8%) |
| Fenland | East of England | £194,259 | £1,476 | +£10 (+0.7%) | +£116 (+8.5%) |
| Flintshire | Wales | £184,800 | £1,409 | +£5 (+0.4%) | +£106 (+8.1%) |
| Folkestone and Hythe | South East | £245,379 | £1,741 | +£11 (+0.7%) | +£90 (+5.4%) |
| Forest of Dean | South West | £248,353 | £1,752 | +£61 (+3.6%) | +£120 (+7.3%) |
| Fylde | North West | £194,585 | £1,471 | +£4 (+0.3%) | +£95 (+6.9%) |
| Gateshead | North East | £141,251 | £1,182 | +£6 (+0.5%) | +£102 (+9.5%) |
| Gedling | East Midlands | £209,898 | £1,553 | +£27 (+1.7%) | +£116 (+8.1%) |
| Gloucester | South West | £209,016 | £1,516 | -£5 (-0.3%) | +£114 (+8.2%) |
| Gosport | South East | £209,790 | £1,512 | +£9 (+0.6%) | +£104 (+7.4%) |
| Gravesham | South East | £295,313 | £2,011 | +£6 (+0.3%) | +£126 (+6.7%) |
| Great Yarmouth | East of England | £178,630 | £1,368 | -£13 (-0.9%) | +£65 (+5.0%) |
| Greenwich | London | £409,131 | £2,573 | +£10 (+0.4%) | +£101 (+4.1%) |
| Guildford | South East | £396,381 | £2,587 | +£42 (+1.7%) | +£165 (+6.8%) |
| Gwynedd | Wales | £176,395 | £1,380 | +£1 (0.0%) | +£116 (+9.2%) |
| Hackney | London | £561,870 | £3,376 | +£67 (+2.0%) | +£151 (+4.7%) |
| Halton | North West | £168,586 | £1,312 | -£9 (-0.7%) | +£62 (+4.9%) |
| Hammersmith and Fulham Fewer sales than usual | London | £643,534 | £3,775 | +£83 (+2.2%) | +£33 (+0.9%) |
| Harborough | East Midlands | £274,706 | £1,896 | +£4 (+0.2%) | +£181 (+10.6%) |
| Haringey | London | £534,079 | £3,265 | +£18 (+0.6%) | +£137 (+4.4%) |
| Harlow | East of England | £286,893 | £1,925 | +£5 (+0.2%) | +£172 (+9.8%) |
| Harrow Fewer sales than usual | London | £437,780 | £2,789 | +£35 (+1.3%) | +£103 (+3.8%) |
| Hart | South East | £352,968 | £2,333 | -£8 (-0.3%) | +£151 (+6.9%) |
| Hartlepool | North East | £118,618 | £1,052 | +£10 (+0.9%) | +£86 (+8.9%) |
| Hastings | South East | £203,153 | £1,526 | +£16 (+1.1%) | +£66 (+4.5%) |
| Havant | South East | £262,181 | £1,801 | +£26 (+1.5%) | +£100 (+5.9%) |
| Havering | London | £385,091 | £2,486 | +£6 (+0.2%) | +£165 (+7.1%) |
| Herefordshire | West Midlands | £225,408 | £1,645 | +£22 (+1.4%) | +£121 (+7.9%) |
| Hertsmere | East of England | £411,137 | £2,642 | +£23 (+0.9%) | +£177 (+7.2%) |
| High Peak | East Midlands | £228,774 | £1,645 | +£35 (+2.1%) | +£166 (+11.3%) |
| Hillingdon | London | £409,715 | £2,590 | +£50 (+2.0%) | +£152 (+6.3%) |
| Hinckley and Bosworth | East Midlands | £222,454 | £1,600 | +£10 (+0.6%) | +£93 (+6.2%) |
| Horsham | South East | £324,417 | £2,188 | +£11 (+0.5%) | +£127 (+6.2%) |
| Hounslow | London | £460,699 | £2,878 | +£47 (+1.7%) | +£128 (+4.7%) |
| Hull | Yorkshire and The Humber | £128,899 | £1,081 | +£11 (+1.0%) | +£105 (+10.8%) |
| Huntingdonshire | East of England | £248,630 | £1,768 | +£2 (+0.1%) | +£120 (+7.3%) |
| Hyndburn | North West | £133,390 | £1,126 | +£6 (+0.5%) | +£110 (+10.8%) |
| Ipswich | East of England | £202,302 | £1,499 | +£31 (+2.1%) | +£114 (+8.3%) |
| Isle of Anglesey | Wales | £194,158 | £1,457 | +£15 (+1.1%) | +£80 (+5.8%) |
| Isle of Wight | South East | £200,374 | £1,508 | +£10 (+0.6%) | +£81 (+5.7%) |
| Islington | London | £576,764 | £3,454 | -£61 (-1.7%) | -£77 (-2.2%) |
| Kensington and Chelsea | London | £1,020,436 | £5,829 | -£201 (-3.3%) | -£527 (-8.3%) |
| King's Lynn and West Norfolk | East of England | £221,355 | £1,621 | +£21 (+1.3%) | +£126 (+8.4%) |
| Kingston upon Thames | London | £477,799 | £3,009 | +£46 (+1.6%) | +£276 (+10.1%) |
| Kirklees | Yorkshire and The Humber | £179,924 | £1,387 | +£8 (+0.6%) | +£130 (+10.3%) |
| Knowsley Fewer sales than usual | North West | £177,210 | £1,364 | +£29 (+2.2%) | +£98 (+7.8%) |
| Lambeth | London | £474,320 | £2,909 | +£32 (+1.1%) | -£1 (0.0%) |
| Lancaster | North West | £181,499 | £1,391 | +£10 (+0.7%) | +£119 (+9.4%) |
| Leeds | Yorkshire and The Humber | £215,025 | £1,559 | +£5 (+0.3%) | +£121 (+8.4%) |
| Leicester | East Midlands | £210,898 | £1,553 | +£12 (+0.8%) | +£80 (+5.4%) |
| Lewes | South East | £300,807 | £2,068 | +£31 (+1.5%) | +£143 (+7.4%) |
| Lewisham | London | £429,182 | £2,690 | +£14 (+0.5%) | +£114 (+4.4%) |
| Lichfield | West Midlands | £268,406 | £1,848 | +£33 (+1.8%) | +£148 (+8.7%) |
| Lincoln | East Midlands | £163,743 | £1,270 | -£8 (-0.6%) | +£75 (+6.3%) |
| Liverpool | North West | £173,916 | £1,367 | +£10 (+0.7%) | +£123 (+9.9%) |
| Luton | East of England | £269,180 | £1,862 | +£20 (+1.1%) | +£111 (+6.4%) |
| Maidstone | South East | £292,511 | £2,006 | +£23 (+1.1%) | +£99 (+5.2%) |
| Maldon | East of England | £308,439 | £2,084 | +£32 (+1.6%) | +£149 (+7.7%) |
| Malvern Hills | West Midlands | £267,998 | £1,861 | +£15 (+0.8%) | +£165 (+9.7%) |
| Manchester | North West | £241,449 | £1,700 | +£32 (+1.9%) | +£126 (+8.0%) |
| Mansfield | East Midlands | £165,702 | £1,307 | +£7 (+0.6%) | +£63 (+5.1%) |
| Medway | South East | £270,313 | £1,864 | +£11 (+0.6%) | +£124 (+7.1%) |
| Melton Fewer sales than usual | East Midlands | £239,563 | £1,701 | +£21 (+1.2%) | +£149 (+9.6%) |
| Merthyr Tydfil Low sales volume | Wales | £135,796 | £1,159 | -£28 (-2.3%) | +£63 (+5.7%) |
| Merton | London | £515,923 | £3,166 | +£52 (+1.7%) | +£167 (+5.6%) |
| Mid Devon | South West | £232,725 | £1,697 | +£22 (+1.3%) | +£101 (+6.4%) |
| Mid Suffolk | East of England | £260,075 | £1,814 | +£26 (+1.5%) | +£179 (+10.9%) |
| Mid Sussex | South East | £327,144 | £2,198 | +£26 (+1.2%) | +£116 (+5.6%) |
| Middlesbrough | North East | £128,017 | £1,096 | +£16 (+1.4%) | +£85 (+8.4%) |
| Milton Keynes | South East | £271,609 | £1,867 | -£11 (-0.6%) | +£122 (+7.0%) |
| Mole Valley | South East | £384,461 | £2,523 | +£23 (+0.9%) | +£173 (+7.4%) |
| Monmouthshire | Wales | £264,431 | £1,843 | -£7 (-0.4%) | +£123 (+7.2%) |
| Neath Port Talbot | Wales | £153,277 | £1,241 | -£3 (-0.3%) | +£86 (+7.5%) |
| New Forest | South East | £291,458 | £1,984 | +£8 (+0.4%) | +£110 (+5.9%) |
| Newark and Sherwood | East Midlands | £196,257 | £1,487 | +£12 (+0.8%) | +£121 (+8.9%) |
| Newcastle upon Tyne | North East | £185,133 | £1,410 | +£22 (+1.6%) | +£138 (+10.9%) |
| Newcastle-under-Lyme | West Midlands | £181,218 | £1,375 | +£7 (+0.5%) | +£129 (+10.4%) |
| Newham Fewer sales than usual | London | £373,908 | £2,371 | +£2 (+0.1%) | +£51 (+2.2%) |
| Newport | Wales | £195,764 | £1,432 | -£7 (-0.5%) | +£86 (+6.4%) |
| North Devon | South West | £227,377 | £1,661 | +£3 (+0.2%) | +£49 (+3.1%) |
| North East Derbyshire | East Midlands | £216,906 | £1,584 | +£3 (+0.2%) | +£152 (+10.7%) |
| North East Lincolnshire | Yorkshire and The Humber | £131,831 | £1,121 | +£8 (+0.7%) | +£96 (+9.4%) |
| North Hertfordshire | East of England | £343,025 | £2,268 | +£47 (+2.1%) | +£195 (+9.4%) |
| North Kesteven | East Midlands | £202,191 | £1,494 | +£5 (+0.3%) | +£99 (+7.1%) |
| North Lincolnshire | Yorkshire and The Humber | £159,863 | £1,261 | +£11 (+0.9%) | +£104 (+9.0%) |
| North Norfolk | East of England | £232,909 | £1,681 | -£22 (-1.3%) | +£47 (+2.9%) |
| North Northamptonshire | East Midlands | £217,161 | £1,580 | -£7 (-0.5%) | +£99 (+6.7%) |
| North Somerset | South West | £246,206 | £1,739 | +£21 (+1.2%) | +£154 (+9.7%) |
| North Tyneside | North East | £179,127 | £1,361 | +£12 (+0.9%) | +£115 (+9.2%) |
| North Warwickshire | West Midlands | £225,914 | £1,636 | -£4 (-0.3%) | +£126 (+8.3%) |
| North West Leicestershire | East Midlands | £238,097 | £1,691 | +£20 (+1.2%) | +£122 (+7.8%) |
| North Yorkshire | Yorkshire and The Humber | £218,075 | £1,607 | +£6 (+0.4%) | +£115 (+7.7%) |
| Northumberland | North East | £175,253 | £1,364 | +£14 (+1.0%) | +£121 (+9.8%) |
| Norwich | East of England | £205,202 | £1,506 | +£19 (+1.3%) | +£69 (+4.8%) |
| Nottingham | East Midlands | £174,318 | £1,367 | +£9 (+0.7%) | +£64 (+4.9%) |
| Nuneaton and Bedworth | West Midlands | £205,231 | £1,508 | +£9 (+0.6%) | +£91 (+6.4%) |
| Oadby and Wigston | East Midlands | £229,143 | £1,642 | +£43 (+2.7%) | +£81 (+5.2%) |
| Oldham | North West | £198,052 | £1,490 | +£5 (+0.3%) | +£131 (+9.7%) |
| Oxford | South East | £409,369 | £2,642 | +£55 (+2.1%) | +£91 (+3.6%) |
| Pembrokeshire | Wales | £176,883 | £1,345 | +£13 (+1.0%) | +£56 (+4.4%) |
| Pendle | North West | £141,865 | £1,195 | +£30 (+2.6%) | +£127 (+11.9%) |
| Peterborough | East of England | £203,657 | £1,493 | +£2 (+0.1%) | +£79 (+5.6%) |
| Plymouth | South West | £199,602 | £1,471 | +£9 (+0.6%) | +£117 (+8.6%) |
| Portsmouth | South East | £226,877 | £1,600 | -£18 (-1.1%) | +£95 (+6.3%) |
| Powys | Wales | £196,672 | £1,485 | +£21 (+1.4%) | +£101 (+7.3%) |
| Preston | North West | £165,111 | £1,311 | +£11 (+0.9%) | +£104 (+8.6%) |
| Reading | South East | £308,748 | £2,094 | +£14 (+0.7%) | +£116 (+5.9%) |
| Redbridge | London | £416,366 | £2,659 | +£24 (+0.9%) | +£87 (+3.4%) |
| Redcar and Cleveland | North East | £130,331 | £1,105 | -£11 (-1.0%) | +£46 (+4.3%) |
| Redditch | West Midlands | £210,797 | £1,537 | +£14 (+0.9%) | +£82 (+5.6%) |
| Reigate and Banstead | South East | £370,621 | £2,438 | +£26 (+1.1%) | +£149 (+6.5%) |
| Rhondda Cynon Taf | Wales | £152,631 | £1,219 | +£17 (+1.4%) | +£107 (+9.7%) |
| Ribble Valley | North West | £222,685 | £1,623 | +£12 (+0.7%) | +£111 (+7.3%) |
| Richmond upon Thames | London | £643,891 | £3,891 | +£73 (+1.9%) | +£198 (+5.4%) |
| Rochdale | North West | £190,694 | £1,448 | +£12 (+0.9%) | +£116 (+8.7%) |
| Rochford | East of England | £331,112 | £2,202 | -£3 (-0.1%) | +£145 (+7.0%) |
| Rossendale | North West | £175,367 | £1,372 | +£20 (+1.5%) | +£118 (+9.4%) |
| Rother | South East | £257,185 | £1,843 | +£2 (+0.1%) | +£82 (+4.7%) |
| Rotherham | Yorkshire and The Humber | £171,413 | £1,323 | +£12 (+0.9%) | +£86 (+6.9%) |
| Rugby | West Midlands | £235,130 | £1,680 | +£40 (+2.4%) | +£79 (+4.9%) |
| Runnymede | South East | £368,771 | £2,422 | +£10 (+0.4%) | +£119 (+5.2%) |
| Rushcliffe | East Midlands | £266,834 | £1,870 | +£43 (+2.4%) | +£105 (+5.9%) |
| Rushmoor | South East | £285,247 | £1,933 | -£5 (-0.3%) | +£115 (+6.3%) |
| Rutland | East Midlands | £240,213 | £1,755 | +£38 (+2.2%) | +£71 (+4.2%) |
| Salford Fewer sales than usual | North West | £206,393 | £1,535 | -£13 (-0.8%) | +£80 (+5.5%) |
| Sandwell | West Midlands | £196,942 | £1,443 | +£17 (+1.2%) | +£89 (+6.5%) |
| Sefton | North West | £189,330 | £1,450 | -£2 (-0.2%) | +£108 (+8.1%) |
| Sevenoaks | South East | £405,786 | £2,640 | +£35 (+1.3%) | +£163 (+6.6%) |
| Sheffield | Yorkshire and The Humber | £192,153 | £1,452 | -£4 (-0.3%) | +£94 (+7.0%) |
| Shropshire | West Midlands | £224,381 | £1,626 | +£17 (+1.1%) | +£97 (+6.3%) |
| Slough | South East | £316,869 | £2,126 | +£53 (+2.6%) | +£130 (+6.5%) |
| Solihull | West Midlands | £265,849 | £1,832 | -£2 (-0.1%) | +£118 (+6.9%) |
| Somerset | South West | £232,749 | £1,682 | +£14 (+0.8%) | +£129 (+8.3%) |
| South Cambridgeshire | East of England | £350,694 | £2,316 | +£53 (+2.3%) | +£145 (+6.7%) |
| South Derbyshire | East Midlands | £224,934 | £1,607 | +£7 (+0.4%) | +£123 (+8.3%) |
| South Gloucestershire | South West | £284,510 | £1,947 | -£8 (-0.4%) | +£132 (+7.3%) |
| South Hams | South West | £284,923 | £1,976 | +£30 (+1.6%) | +£130 (+7.0%) |
| South Holland | East Midlands | £195,981 | £1,461 | +£5 (+0.4%) | +£102 (+7.5%) |
| South Kesteven | East Midlands | £219,431 | £1,583 | +£34 (+2.2%) | +£137 (+9.5%) |
| South Norfolk | East of England | £253,657 | £1,791 | +£3 (+0.2%) | +£106 (+6.3%) |
| South Oxfordshire | South East | £380,165 | £2,497 | +£6 (+0.2%) | +£194 (+8.4%) |
| South Ribble | North West | £190,825 | £1,434 | +£7 (+0.5%) | +£107 (+8.0%) |
| South Staffordshire | West Midlands | £254,371 | £1,776 | -£5 (-0.3%) | +£138 (+8.4%) |
| South Tyneside | North East | £145,120 | £1,170 | -£3 (-0.2%) | +£89 (+8.2%) |
| Southampton | South East | £210,366 | £1,544 | +£11 (+0.7%) | +£102 (+7.0%) |
| Southend-on-Sea | East of England | £268,955 | £1,852 | +£4 (+0.2%) | +£110 (+6.3%) |
| Southwark | London | £497,815 | £3,025 | -£4 (-0.1%) | +£117 (+4.0%) |
| Spelthorne | South East | £367,850 | £2,403 | +£40 (+1.7%) | +£110 (+4.8%) |
| St Albans | East of England | £481,627 | £3,019 | +£39 (+1.3%) | +£239 (+8.6%) |
| St. Helens | North West | £169,943 | £1,322 | +£7 (+0.5%) | +£121 (+10.1%) |
| Stafford | West Midlands | £211,673 | £1,540 | +£15 (+1.0%) | +£131 (+9.3%) |
| Staffordshire Moorlands | West Midlands | £190,895 | £1,436 | +£1 (+0.1%) | +£132 (+10.1%) |
| Stevenage | East of England | £273,968 | £1,866 | -£10 (-0.6%) | +£84 (+4.7%) |
| Stockport | North West | £265,331 | £1,861 | +£23 (+1.3%) | +£163 (+9.6%) |
| Stockton-on-Tees | North East | £148,440 | £1,212 | +£16 (+1.3%) | +£97 (+8.7%) |
| Stoke-on-Trent | West Midlands | £139,305 | £1,129 | +£19 (+1.7%) | +£69 (+6.6%) |
| Stratford-on-Avon | West Midlands | £307,646 | £2,084 | +£24 (+1.1%) | +£149 (+7.7%) |
| Stroud | South West | £290,253 | £1,982 | +£29 (+1.5%) | +£156 (+8.5%) |
| Sunderland | North East | £131,489 | £1,085 | +£10 (+0.9%) | +£97 (+9.8%) |
| Surrey Heath | South East | £335,208 | £2,263 | +£21 (+0.9%) | +£160 (+7.6%) |
| Sutton | London | £376,922 | £2,438 | +£46 (+1.9%) | +£168 (+7.4%) |
| Swale | South East | £260,575 | £1,820 | +£3 (+0.2%) | +£120 (+7.1%) |
| Swansea | Wales | £182,295 | £1,374 | +£39 (+2.9%) | +£98 (+7.7%) |
| Swindon | South West | £224,898 | £1,620 | +£10 (+0.6%) | +£126 (+8.4%) |
| Tameside | North West | £195,881 | £1,457 | +£18 (+1.3%) | +£100 (+7.4%) |
| Tamworth | West Midlands | £205,692 | £1,487 | +£15 (+1.1%) | +£86 (+6.1%) |
| Tandridge Large monthly price change | South East | £352,302 | £2,359 | +£107 (+4.8%) | +£124 (+5.6%) |
| Teignbridge | South West | £241,001 | £1,731 | -£2 (-0.1%) | +£95 (+5.8%) |
| Telford and Wrekin | West Midlands | £189,436 | £1,403 | -£9 (-0.6%) | +£99 (+7.6%) |
| Tendring | East of England | £222,460 | £1,593 | +£17 (+1.1%) | +£83 (+5.5%) |
| Test Valley | South East | £286,803 | £1,963 | +£31 (+1.6%) | +£112 (+6.0%) |
| Tewkesbury | South West | £261,872 | £1,804 | +£6 (+0.3%) | +£112 (+6.6%) |
| Thanet | South East | £227,417 | £1,641 | +£5 (+0.3%) | +£90 (+5.8%) |
| Three Rivers | East of England | £426,190 | £2,730 | +£18 (+0.7%) | +£176 (+6.9%) |
| Thurrock | East of England | £294,718 | £1,989 | +£1 (0.0%) | +£97 (+5.1%) |
| Tonbridge and Malling | South East | £324,939 | £2,183 | +£3 (+0.2%) | +£129 (+6.3%) |
| Torbay | South West | £191,474 | £1,445 | +£1 (+0.1%) | +£53 (+3.8%) |
| Torfaen | Wales | £173,388 | £1,315 | -£17 (-1.3%) | +£53 (+4.2%) |
| Torridge | South West | £214,439 | £1,590 | +£26 (+1.7%) | +£97 (+6.5%) |
| Tower Hamlets Fewer sales than usual | London | £430,635 | £2,652 | +£14 (+0.5%) | -£166 (-5.9%) |
| Trafford | North West | £317,404 | £2,120 | -£5 (-0.2%) | +£226 (+12.0%) |
| Tunbridge Wells | South East | £348,684 | £2,325 | +£25 (+1.1%) | +£133 (+6.1%) |
| Uttlesford | East of England | £335,535 | £2,240 | -£19 (-0.8%) | +£145 (+6.9%) |
| Vale of Glamorgan | Wales | £237,789 | £1,675 | +£4 (+0.2%) | +£139 (+9.1%) |
| Vale of White Horse | South East | £330,205 | £2,214 | +£21 (+1.0%) | +£205 (+10.2%) |
| Wakefield | Yorkshire and The Humber | £178,078 | £1,351 | +£9 (+0.7%) | +£108 (+8.7%) |
| Walsall | West Midlands | £199,456 | £1,494 | +£21 (+1.4%) | +£117 (+8.5%) |
| Waltham Forest | London | £478,143 | £2,969 | +£42 (+1.4%) | +£181 (+6.5%) |
| Wandsworth | London | £585,383 | £3,430 | +£52 (+1.5%) | +£22 (+0.6%) |
| Warrington | North West | £215,884 | £1,581 | +£3 (+0.2%) | +£130 (+8.9%) |
| Warwick | West Midlands | £305,880 | £2,059 | +£18 (+0.9%) | +£149 (+7.8%) |
| Watford | East of England | £355,866 | £2,328 | +£46 (+2.0%) | +£133 (+6.1%) |
| Waverley | South East | £398,716 | £2,616 | +£49 (+1.9%) | +£118 (+4.7%) |
| Wealden | South East | £289,839 | £2,028 | -£16 (-0.8%) | +£96 (+5.0%) |
| Welwyn Hatfield | East of England | £359,339 | £2,350 | +£6 (+0.2%) | +£148 (+6.7%) |
| West Berkshire | South East | £315,411 | £2,144 | +£8 (+0.4%) | +£124 (+6.2%) |
| West Devon | South West | £231,506 | £1,700 | +£22 (+1.3%) | +£78 (+4.8%) |
| West Lancashire | North West | £204,069 | £1,518 | +£32 (+2.1%) | +£143 (+10.4%) |
| West Lindsey | East Midlands | £178,160 | £1,375 | +£38 (+2.9%) | +£92 (+7.2%) |
| West Northamptonshire | East Midlands | £240,551 | £1,719 | +£5 (+0.3%) | +£108 (+6.7%) |
| West Oxfordshire | South East | £335,614 | £2,251 | +£5 (+0.2%) | +£94 (+4.4%) |
| West Suffolk | East of England | £246,508 | £1,738 | +£21 (+1.2%) | +£101 (+6.1%) |
| Westminster Fewer sales than usual | London | £791,770 | £4,544 | +£8 (+0.2%) | -£416 (-8.4%) |
| Westmorland and Furness | North West | £194,242 | £1,470 | +£7 (+0.5%) | +£134 (+10.0%) |
| Wigan | North West | £175,758 | £1,322 | +£10 (+0.7%) | +£102 (+8.4%) |
| Wiltshire | South West | £263,201 | £1,856 | +£13 (+0.7%) | +£132 (+7.7%) |
| Winchester | South East | £337,881 | £2,250 | -£28 (-1.2%) | +£139 (+6.6%) |
| Windsor and Maidenhead | South East | £434,955 | £2,743 | +£73 (+2.8%) | +£158 (+6.1%) |
| Wirral | North West | £190,039 | £1,446 | +£13 (+0.9%) | +£142 (+10.9%) |
| Woking | South East | £332,691 | £2,239 | +£20 (+0.9%) | +£84 (+3.9%) |
| Wokingham | South East | £384,975 | £2,511 | +£7 (+0.3%) | +£106 (+4.4%) |
| Wolverhampton | West Midlands | £197,788 | £1,486 | -£11 (-0.7%) | +£117 (+8.6%) |
| Worcester | West Midlands | £229,417 | £1,629 | +£27 (+1.7%) | +£124 (+8.2%) |
| Worthing | South East | £245,915 | £1,742 | +£12 (+0.7%) | +£38 (+2.2%) |
| Wrexham | Wales | £183,250 | £1,394 | +£8 (+0.6%) | +£117 (+9.1%) |
| Wychavon | West Midlands | £245,479 | £1,731 | +£15 (+0.9%) | +£108 (+6.6%) |
| Wyre | North West | £163,890 | £1,295 | -£2 (-0.1%) | +£87 (+7.2%) |
| Wyre Forest | West Midlands | £197,935 | £1,477 | +£20 (+1.4%) | +£100 (+7.3%) |
| York | Yorkshire and The Humber | £267,559 | £1,840 | +£19 (+1.0%) | +£123 (+7.1%) |
Buying a home? Check a specific property for its sale history, EPC, flood risk and more.
"Low sales volume": fewer than 50 sales a month on average (2025-07 to 2026-06). "Large monthly price change": the first-time buyer price moved by more than 5% on the month. These areas are left out of the lists above but stay in this table and the downloads.
How to cite
Citation
Source: LiveWhere First-Time Buyer Index, August 2026 edition (livewhere.co.uk/first-time-buyer-index)
Licence
LiveWhere's figures (monthly costs, components and changes) are published under CC BY 4.0. Source data remains under its own terms; see Licences.
Downloads
The figures for every local authority, as CSV files.
Press enquiries
We can run custom breakdowns for your story, such as a region, town or comparison. Email [email protected].
How it's calculated
The index describes someone buying their first home now, with a 10% deposit. It is not the cost for people who already own a home. It adds up four regular costs of owning a typical first-time buyer home in each local authority.
The mortgage is a 25-year repayment loan on the average first-time buyer price from the official UK House Price Index, with a 10% deposit, at the Bank of England's average quoted rate for a 2-year fix at 90% loan to value.
Energy is average metered use for the area (DESNZ) priced at the Ofgem price cap for its region. Council tax is Band D, and water is the local water and sewerage bill. Read the full method.
Sources
| Input | Source | Period |
|---|---|---|
| House prices | UK House Price Index, HM Land Registry: first-time buyer average price (all-homes average price in the downloads) | August 2026 |
| Mortgage rate | Bank of England, series IUMB482: average quoted rate, 2-year fixed, 90% loan to value (5.16%) | August 2026 |
| Energy use | DESNZ subnational electricity and gas consumption, average per domestic meter (gas weather corrected) | 2024 |
| Energy prices | Ofgem energy price cap, regional unit rates and standing charges, Direct Debit | 1 July 2026 to 30 September 2026 |
| Council tax | Band D: MHCLG (England), Welsh Government (Wales) | 2026-27 |
| Water and sewerage | Discover Water (figures from Water UK); company areas from Ofwat | 2026-27 |
| Weights for averages | Valuation Office Agency, Council Tax: stock of properties (number of dwellings) | 31 March 2026 |
Last updated: . Method version 1.3.
Editions
Licences
LiveWhere's figures (monthly costs, components and changes) are published under CC BY 4.0. Source data remains under its own terms; see Licences.
Sources: HM Land Registry, Bank of England, Ofgem, DESNZ, MHCLG, Welsh Government, Valuation Office Agency, Ofwat, Water UK Stream, Discover Water, Office for National Statistics.
Contains HM Land Registry data © Crown copyright and database right 2020. This data is licensed under the Open Government Licence v3.0.
Source: Office for National Statistics licensed under the Open Government Licence v.3.0
Contains OS data © Crown copyright and database right 2026
Contains Royal Mail data © Royal Mail copyright and database right 2026
Source: Office for National Statistics
Contains public sector information licensed under the Open Government Licence v3.0.
Appointed Wastewater Boundaries © 2025 by Stream Water Data is licensed under CC BY 4.0