UK house prices
The UK House Price Index average for the United Kingdom is £272,611 in July 2026, +1.4% on a year earlier. That month is provisional in this file.
Data relates to July 2026 (provisional) for London. Retrieved 2026-10-02. Choosing an area keeps this page as the canonical URL.
These are the official areas we publish, rather than every town in the UK.
region · July 2026 (provisional)
£550,037
Average price. Monthly change: -0.1%. Annual change: -3.3%.
| Type | Average price |
|---|---|
| Detached | £1,167,718 |
| Semi-detached | £724,106 |
| Terraced | £642,452 |
| Flat or maisonette | £424,013 |
| First-time buyer average | £466,851 |
| Former owner-occupier | £693,923 |
| Cash purchase | £585,219 |
| Mortgage purchase | £542,867 |
| Deposit | Cash | Mortgage |
|---|---|---|
| 5% | £27,502 | £522,535 |
| 10% | £55,004 | £495,033 |
| 15% | £82,506 | £467,531 |
| 20% | £110,007 | £440,030 |
On this average, a 10% deposit leaves a mortgage of £495,033. At an example 4.5% over 25 years, that is about £2,751.55 a month before fees. The example is an illustration, not a lender offer, and Bank Rate is a separate statistic. See a similar mortgage amount · Nearest published SDLT example · Private rents · Affordability ratio · Deposit calculator · Repayment calculator · Speak to a broker for this area
All areas in this release
| Area | Reference | Average price | Annual change |
|---|---|---|---|
| United Kingdom | July 2026 (provisional) | £272,611 | +1.4% |
| England | July 2026 (provisional) | £293,479 | +1.1% |
| Wales | July 2026 (provisional) | £215,037 | +2.6% |
| Scotland | July 2026 (provisional) | £196,349 | +2.3% |
| Northern Ireland | April 2026 (quarterly series) | £202,487 | +9.2% |
| North East | July 2026 (provisional) | £166,943 | +4.9% |
| North West | July 2026 (provisional) | £221,445 | +4.4% |
| Yorkshire and The Humber | July 2026 (provisional) | £209,116 | +3.0% |
| East Midlands | July 2026 (provisional) | £242,274 | +1.9% |
| West Midlands | July 2026 (provisional) | £250,880 | +1.5% |
| East of England | July 2026 (provisional) | £337,518 | +0.5% |
| London | July 2026 (provisional) | £550,037 | -3.3% |
| South East | July 2026 (provisional) | £380,878 | +0.2% |
| South West | July 2026 (provisional) | £302,298 | -0.2% |
| Birmingham | July 2026 (provisional) | £234,257 | +2.5% |
| Manchester | July 2026 (provisional) | £252,309 | +1.2% |
| Leeds | July 2026 (provisional) | £247,695 | +3.8% |
| Liverpool | July 2026 (provisional) | £189,036 | +8.1% |
| City of Bristol | July 2026 (provisional) | £352,262 | +2.1% |
| Sheffield | July 2026 (provisional) | £219,713 | +2.8% |
| Newcastle upon Tyne | July 2026 (provisional) | £207,547 | +4.1% |
| Cardiff | July 2026 (provisional) | £272,252 | +2.7% |
| City of Edinburgh | July 2026 (provisional) | £303,965 | +4.0% |
| City of Glasgow | July 2026 (provisional) | £193,675 | +2.6% |
| Belfast | April 2026 (quarterly series) | £184,768 | +7.7% |
Download this table (CSV). Source: MortgageConnector extract of the UK House Price Index. Open Government Licence v3.0.
How to read the figures
These are official area averages, so they help you understand the local market rather than value one home or predict the next sale. Where the file has no first-time buyer figure, including the UK total, that row is left out. Northern Ireland and Belfast are quarterly, so a repeated month in the file is not a new monthly reading.
Deposit rows are 5, 10, 15 and 20 percent of the average. The 90% payment uses the example rate on this site. It shows the shape of the cost, not that a 90% deal is on offer. Property tax depends on the price, the buyer and the country. The tax link opens the nearest worked example we already publish for that nation.
Contains HM Land Registry data © Crown copyright and database right. UK HPI is a joint production by HM Land Registry, Registers of Scotland, Land & Property Services Northern Ireland and the Office for National Statistics. UK HPI downloads. Methodology. Data hub.
Speak to a mortgage broker about buying in one of these areas