Groundsense

Every councilRanked

Mortgage on the average home, a month, every council ranked

A repayment mortgage of 90% of the average house price over 25 years at the Bank of England's quoted two year fixed rate at 90% loan to value. An illustration, not any one home's. Figures for June 2026, published for 360 councils in the UK. Lowest first: the order says where a council sits, not whether that is good.

Lowest: Inverclyde, £585 a month. The council in the middle: North Yorkshire, £1,449 a month. Highest: Kensington and Chelsea, £6,696 a month.

Mortgage on the average home, a month, every council it is published for, lowest first
PlaceCouncilFigure
1InverclydeScotland£585 a month
2West DunbartonshireScotland£688 a month
3HartlepoolNorth East£698 a month
4Aberdeen CityScotland£706 a month
5Kingston upon HullYorkshire and the Humber£719 a month
6BurnleyNorth West£720 a month
7BlackpoolNorth West£723 a month
8MiddlesbroughNorth East£738 a month
9County DurhamNorth East£740 a month
10 jointEast AyrshireScotland£744 a month
10 jointHyndburnNorth West£744 a month
12North AyrshireScotland£759 a month
13SunderlandNorth East£767 a month
14Blaenau GwentWales£775 a month
15Na h-Eileanan SiarScotland£783 a month
16Merthyr TydfilWales£785 a month
17Stoke-on-TrentWest Midlands£797 a month
18PendleNorth West£801 a month
19Dundee CityScotland£808 a month
20North East LincolnshireYorkshire and the Humber£809 a month
21Redcar and ClevelandNorth East£821 a month
22North LanarkshireScotland£838 a month
23DarlingtonNorth East£847 a month
24GatesheadNorth East£848 a month
25South TynesideNorth East£864 a month
26RenfrewshireScotland£871 a month
27Neath Port TalbotWales£873 a month
28 jointBlackburn with DarwenNorth West£888 a month
28 jointClackmannanshireScotland£888 a month
30Dumfries and GallowayScotland£894 a month
31Rhondda Cynon TafWales£897 a month
32 jointDoncasterYorkshire and the Humber£915 a month
32 jointStockton-on-TeesNorth East£915 a month
34CumberlandNorth West£921 a month
35South AyrshireScotland£922 a month
36FalkirkScotland£929 a month
37BarnsleyYorkshire and the Humber£941 a month
38 jointAngusScotland£948 a month
38 jointFifeScotland£948 a month
40Mid and East AntrimNorthern Ireland£950 a month
41Argyll and ButeScotland£959 a month
42BostonEast Midlands£968 a month
43North LincolnshireYorkshire and the Humber£973 a month
44LincolnEast Midlands£982 a month
45BelfastNorthern Ireland£990 a month
46BradfordYorkshire and the Humber£991 a month
47LiverpoolNorth West£993 a month
48St. HelensNorth West£999 a month
49South LanarkshireScotland£1,000 a month
50Armagh City, Banbridge and CraigavonNorthern Ireland£1,002 a month
51 jointPrestonNorth West£1,005 a month
51 jointShetland IslandsScotland£1,005 a month
53BolsoverEast Midlands£1,007 a month
54KnowsleyNorth West£1,013 a month
55Derry City and StrabaneNorthern Ireland£1,015 a month
56 jointAshfieldEast Midlands£1,018 a month
56 jointRotherhamYorkshire and the Humber£1,018 a month
58 jointCalderdaleYorkshire and the Humber£1,026 a month
58 jointScottish BordersScotland£1,026 a month
60NottinghamEast Midlands£1,029 a month
61MansfieldEast Midlands£1,030 a month
62 jointHaltonNorth West£1,034 a month
62 jointWyreNorth West£1,034 a month
64RossendaleNorth West£1,035 a month
65Glasgow CityScotland£1,037 a month
66 jointMid UlsterNorthern Ireland£1,047 a month
66 jointWiganNorth West£1,047 a month
68CaerphillyWales£1,057 a month
69CarmarthenshireWales£1,058 a month
70AberdeenshireScotland£1,060 a month
71WakefieldYorkshire and the Humber£1,063 a month
72DenbighshireWales£1,066 a month
73ChesterfieldEast Midlands£1,068 a month
74 jointLancasterNorth West£1,070 a month
74 jointTorfaenWales£1,070 a month
76Fermanagh and OmaghNorthern Ireland£1,081 a month
77BoltonNorth West£1,086 a month
78North TynesideNorth East£1,092 a month
79DerbyEast Midlands£1,093 a month
80 jointKirkleesYorkshire and the Humber£1,102 a month
80 jointSandwellWest Midlands£1,102 a month
82 jointAntrim and NewtownabbeyNorthern Ireland£1,104 a month
82 jointSwanseaWales£1,104 a month
84GwyneddWales£1,107 a month
85BridgendWales£1,112 a month
86MorayScotland£1,116 a month
87Newcastle upon TyneNorth East£1,117 a month
88Great YarmouthEast of England£1,120 a month
89Newcastle-under-LymeWest Midlands£1,122 a month
90RochdaleNorth West£1,125 a month
91BassetlawEast Midlands£1,128 a month
92 jointPembrokeshireWales£1,129 a month
92 jointWest LindseyEast Midlands£1,129 a month
94TamesideNorth West£1,132 a month
95South RibbleNorth West£1,135 a month
96WrexhamWales£1,138 a month
97ChorleyNorth West£1,139 a month
98 jointConwyWales£1,143 a month
98 jointNorthumberlandNorth East£1,143 a month
100FlintshireWales£1,146 a month
101WalsallWest Midlands£1,149 a month
102OldhamNorth West£1,151 a month
103WirralNorth West£1,155 a month
104East LindseyEast Midlands£1,159 a month
105WolverhamptonWest Midlands£1,161 a month
106ErewashEast Midlands£1,167 a month
107Causeway Coast and GlensNorthern Ireland£1,172 a month
108IpswichEast of England£1,173 a month
109SheffieldYorkshire and the Humber£1,176 a month
110 jointNewry, Mourne and DownNorthern Ireland£1,181 a month
110 jointTelford and WrekinWest Midlands£1,181 a month
112East Riding of YorkshireYorkshire and the Humber£1,182 a month
113HighlandScotland£1,184 a month
114PlymouthSouth West£1,193 a month
115FenlandEast of England£1,195 a month
116 jointCoventryWest Midlands£1,198 a month
116 jointTorbaySouth West£1,198 a month
118SeftonNorth West£1,207 a month
119East StaffordshireWest Midlands£1,208 a month
120Ards and North DownNorthern Ireland£1,217 a month
121Staffordshire MoorlandsWest Midlands£1,221 a month
122Perth and KinrossScotland£1,222 a month
123West LothianScotland£1,224 a month
124LeicesterEast Midlands£1,225 a month
125Westmorland and FurnessNorth West£1,232 a month
126TamworthWest Midlands£1,234 a month
127 jointCannock ChaseWest Midlands£1,235 a month
127 jointNewportWales£1,235 a month
129 jointDudleyWest Midlands£1,236 a month
129 jointNorwichEast of England£1,236 a month
129 jointNuneaton and BedworthWest Midlands£1,236 a month
132 jointPowysWales£1,237 a month
132 jointSouth HollandEast Midlands£1,237 a month
134 jointSalfordNorth West£1,242 a month
134 jointWest LancashireNorth West£1,242 a month
136Wyre ForestWest Midlands£1,245 a month
137FyldeNorth West£1,251 a month
138Newark and SherwoodEast Midlands£1,253 a month
139BirminghamWest Midlands£1,254 a month
140GosportSouth East£1,260 a month
141SouthamptonSouth East£1,261 a month
142Orkney IslandsScotland£1,268 a month
143HastingsSouth East£1,269 a month
144CeredigionWales£1,270 a month
145 jointAmber ValleyEast Midlands£1,274 a month
145 jointPeterboroughEast of England£1,274 a month
147BuryNorth West£1,277 a month
148StirlingScotland£1,280 a month
149Isle of AngleseyWales£1,284 a month
150Lisburn and CastlereaghNorthern Ireland£1,289 a month
151GloucesterSouth West£1,290 a month
152Isle of WightSouth East£1,291 a month
153North KestevenEast Midlands£1,303 a month
154RedditchWest Midlands£1,306 a month
155LeedsYorkshire and the Humber£1,336 a month
156 jointGedlingEast Midlands£1,341 a month
156 jointNorth East DerbyshireEast Midlands£1,341 a month
158PortsmouthSouth East£1,344 a month
159ManchesterNorth West£1,346 a month
160EastbourneSouth East£1,349 a month
161 jointBroxtoweEast Midlands£1,355 a month
161 jointHigh PeakEast Midlands£1,355 a month
163WorcesterWest Midlands£1,359 a month
164South KestevenEast Midlands£1,368 a month
165North NorthamptonshireEast Midlands£1,374 a month
166South DerbyshireEast Midlands£1,385 a month
167WarringtonNorth West£1,389 a month
168 jointOadby and WigstonEast Midlands£1,391 a month
168 jointStaffordWest Midlands£1,391 a month
170TorridgeSouth West£1,397 a month
171Hinckley and BosworthEast Midlands£1,401 a month
172TendringEast of England£1,402 a month
173King's Lynn and West NorfolkEast of England£1,410 a month
174SwindonSouth West£1,423 a month
175 jointEast DunbartonshireScotland£1,440 a month
175 jointThanetSouth East£1,440 a month
177Cheshire West and ChesterNorth West£1,441 a month
178CardiffWales£1,447 a month
179 jointNorth WarwickshireWest Midlands£1,449 a month
179 jointNorth YorkshireYorkshire and the Humber£1,449 a month
181BrecklandEast of England£1,467 a month
182RugbyWest Midlands£1,479 a month
183DoverSouth East£1,480 a month
184CharnwoodEast Midlands£1,483 a month
185CornwallSouth West£1,488 a month
186East SuffolkEast of England£1,491 a month
187East LothianScotland£1,502 a month
188ExeterSouth West£1,505 a month
189 jointNorth DevonSouth West£1,508 a month
189 jointSomersetSouth West£1,508 a month
191MidlothianScotland£1,509 a month
192North West LeicestershireEast Midlands£1,512 a month
193BlabyEast Midlands£1,515 a month
194 jointMeltonEast Midlands£1,521 a month
194 jointShropshireWest Midlands£1,521 a month
196Mid DevonSouth West£1,523 a month
197West DevonSouth West£1,533 a month
198Ribble ValleyNorth West£1,541 a month
199Forest of DeanSouth West£1,545 a month
200 jointHerefordshireWest Midlands£1,552 a month
200 jointLutonEast of England£1,552 a month
202West NorthamptonshireEast Midlands£1,568 a month
203East RenfrewshireScotland£1,582 a month
204MedwaySouth East£1,586 a month
205WorthingSouth East£1,587 a month
206West SuffolkEast of England£1,590 a month
207 jointColchesterEast of England£1,596 a month
207 jointVale of GlamorganWales£1,596 a month
209SwaleSouth East£1,598 a month
210RutlandEast Midlands£1,607 a month
211North NorfolkEast of England£1,608 a month
212City of EdinburghScotland£1,623 a month
213Cheshire EastNorth West£1,625 a month
214TeignbridgeSouth West£1,626 a month
215Folkestone and HytheSouth East£1,632 a month
216HuntingdonshireEast of England£1,641 a month
217EastleighSouth East£1,652 a month
218YorkYorkshire and the Humber£1,658 a month
219South StaffordshireWest Midlands£1,662 a month
220 jointBournemouth, Christchurch and PooleSouth West£1,672 a month
220 jointSouth NorfolkEast of England£1,672 a month
222HarlowEast of England£1,678 a month
223StockportNorth West£1,684 a month
224North SomersetSouth West£1,685 a month
225BroadlandEast of England£1,688 a month
226Mid SuffolkEast of England£1,715 a month
227HavantSouth East£1,717 a month
228ArunSouth East£1,724 a month
229StevenageEast of England£1,732 a month
230Milton KeynesSouth East£1,741 a month
231 jointCheltenhamSouth West£1,743 a month
231 jointDorsetSouth West£1,743 a month
233Southend-on-SeaEast of England£1,744 a month
234ThurrockEast of England£1,752 a month
235WychavonWest Midlands£1,757 a month
236FarehamSouth East£1,759 a month
237BaberghEast of England£1,760 a month
238 jointRushmoorSouth East£1,762 a month
238 jointWiltshireSouth West£1,762 a month
240 jointBedfordEast of England£1,767 a month
240 jointTewkesburySouth West£1,767 a month
242BraintreeEast of England£1,771 a month
243RushcliffeEast Midlands£1,775 a month
244MonmouthshireWales£1,779 a month
245SolihullWest Midlands£1,794 a month
246LichfieldWest Midlands£1,805 a month
247CanterburySouth East£1,811 a month
248CrawleySouth East£1,812 a month
249BromsgroveWest Midlands£1,817 a month
250South GloucestershireSouth West£1,823 a month
251RotherSouth East£1,842 a month
252 jointAshfordSouth East£1,844 a month
252 jointEast CambridgeshireEast of England£1,844 a month
254GraveshamSouth East£1,850 a month
255 jointEast DevonSouth West£1,852 a month
255 jointHarboroughEast Midlands£1,852 a month
257Malvern HillsWest Midlands£1,879 a month
258DartfordSouth East£1,883 a month
259SloughSouth East£1,885 a month
260MaidstoneSouth East£1,886 a month
261Derbyshire DalesEast Midlands£1,893 a month
262CherwellSouth East£1,894 a month
263StroudSouth West£1,907 a month
264Central BedfordshireEast of England£1,909 a month
265BristolSouth West£1,911 a month
266BasildonEast of England£1,930 a month
267South HamsSouth West£1,931 a month
268ReadingSouth East£1,935 a month
269Castle PointEast of England£1,942 a month
270LewesSouth East£1,971 a month
271Basingstoke and DeaneSouth East£1,975 a month
272Barking and DagenhamLondon£1,987 a month
273Test ValleySouth East£1,994 a month
274WarwickWest Midlands£1,997 a month
275AdurSouth East£2,035 a month
276New ForestSouth East£2,037 a month
277ChelmsfordEast of England£2,052 a month
278MaldonEast of England£2,059 a month
279WealdenSouth East£2,072 a month
280Stratford-on-AvonWest Midlands£2,103 a month
281CroydonLondon£2,114 a month
282Bracknell ForestSouth East£2,122 a month
283WatfordEast of England£2,123 a month
284TraffordNorth West£2,125 a month
285West BerkshireSouth East£2,157 a month
286NewhamLondon£2,159 a month
287Bath and North East SomersetSouth West£2,166 a month
288BexleyLondon£2,172 a month
289Tonbridge and MallingSouth East£2,174 a month
290BroxbourneEast of England£2,178 a month
291Brighton and HoveSouth East£2,184 a month
292CotswoldSouth West£2,205 a month
293Vale of White HorseSouth East£2,220 a month
294RochfordEast of England£2,226 a month
295West OxfordshireSouth East£2,230 a month
296North HertfordshireEast of England£2,264 a month
297Mid SussexSouth East£2,284 a month
298 jointChichesterSouth East£2,303 a month
298 jointSpelthorneSouth East£2,303 a month
300WokingSouth East£2,323 a month
301South CambridgeshireEast of England£2,335 a month
302HorshamSouth East£2,340 a month
303Tunbridge WellsSouth East£2,384 a month
304East HampshireSouth East£2,391 a month
305SuttonLondon£2,393 a month
306Welwyn HatfieldEast of England£2,414 a month
307HaveringLondon£2,446 a month
308Tower HamletsLondon£2,447 a month
309DacorumEast of England£2,461 a month
310East HertfordshireEast of England£2,468 a month
311Surrey HeathSouth East£2,471 a month
312GreenwichLondon£2,491 a month
313OxfordSouth East£2,500 a month
314 jointCambridgeEast of England£2,523 a month
314 jointEnfieldLondon£2,523 a month
314 jointWinchesterSouth East£2,523 a month
317South OxfordshireSouth East£2,540 a month
318HillingdonLondon£2,542 a month
319TandridgeSouth East£2,546 a month
320HartSouth East£2,571 a month
321Reigate and BansteadSouth East£2,574 a month
322UttlesfordEast of England£2,585 a month
323RunnymedeSouth East£2,620 a month
324BuckinghamshireSouth East£2,627 a month
325LewishamLondon£2,631 a month
326RedbridgeLondon£2,657 a month
327WokinghamSouth East£2,672 a month
328HounslowLondon£2,747 a month
329BrentwoodEast of England£2,751 a month
330BromleyLondon£2,776 a month
331Waltham ForestLondon£2,800 a month
332GuildfordSouth East£2,806 a month
333HarrowLondon£2,807 a month
334Epping ForestEast of England£2,875 a month
335Mole ValleySouth East£2,893 a month
336SevenoaksSouth East£2,909 a month
337BrentLondon£2,915 a month
338LambethLondon£2,935 a month
339HertsmereEast of England£3,002 a month
340WaverleySouth East£3,003 a month
341Epsom and EwellSouth East£3,047 a month
342EalingLondon£3,084 a month
343Windsor and MaidenheadSouth East£3,090 a month
344Three RiversEast of England£3,107 a month
345SouthwarkLondon£3,120 a month
346Kingston upon ThamesLondon£3,184 a month
347BarnetLondon£3,234 a month
348HackneyLondon£3,243 a month
349MertonLondon£3,282 a month
350HaringeyLondon£3,398 a month
351St AlbansEast of England£3,489 a month
352IslingtonLondon£3,607 a month
353WandsworthLondon£3,643 a month
354City of LondonLondon£3,819 a month
355Hammersmith and FulhamLondon£3,886 a month
356ElmbridgeSouth East£3,982 a month
357Richmond upon ThamesLondon£4,386 a month
358CamdenLondon£4,462 a month
359WestminsterLondon£4,575 a month
360Kensington and ChelseaLondon£6,696 a month

Not in this list

  • Isles of Scilly. Its house price is not published for this council on its own.

A mortgage on the UK House Price Index average for June 2026 at the Bank of England's quoted two year fixed rate at 90% loan to value, June 2026, 5.18% · June 2026 · fetched 13 October 2026 · How this is measured

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