Bedford

Data from Land Registry, ONS, Bank of England

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Avg. price

£325,958

↑ +4.3% YoY

Affordability

9.08x

↓ price-to-earnings

Avg. rent

£1159/mo

↑ +4.8% YoY

Market outlook for Bedford

Key indicators for buyers

Prices rising+4.3% YoYMay be harder to negotiate

Stretched9.1xImproving from 10.4x in 2021

Rates favourable3.97%2yr fixed, 75% LTV

Market quiet-6% YoYLess competition

Rents rising fast+4.8% YoYWaiting costs more (£1,159/mo)

The Bedford market is moderately favourable for buyers. Prices are rising at 4.3%, which may favour acting sooner rather than later. Affordability has improved from a peak of 10.4x in 2021 to 9.1x today. Rising rents (£1,159/mo, +4.8%) mean the cost of waiting is real.

Price trends

Average sale prices · HM Land Registry / UK HPI

£325,958

↑ +4.3% YoY

Affordability ratio

House price ÷ median earnings · ONS data

9.08x

price-to-earnings

A home in Bedford costs 9.1x the local median salary — stretched, improving from a peak of 10.4x in 2021.

Rental trends

Average monthly rent · ONS Private Rental Index

£1159/mo

↑ +4.8% YoY

Average monthly rent in Bedford is £1,159, up 4.8% year-on-year. Rents have risen consistently over the past five years.

Monthly mortgage

2yr fixed · 75% LTV · 25yr term · BoE avg. rate

£1,286

per month at 3.97%

LTV

Term

Deposit (25%)

£81k

Stamp duty

£4k

Based on the average Bedford price of £325,958 with a 25% deposit (£81k), a 2-year fixed mortgage at 3.97% costs around £1,286 per month.

Rent vs buy snapshot

Monthly cost comparison based on current data

Renting

£1,159

per month

0% equity built

Buying (mortgage)

£1,286

per month

£127 more than renting

Breakeven

11yr

to recoup deposit

vs renting + investing

Monthly mortgage payments (£1,286) are £127 more than renting (£1,159). However, buying requires an upfront deposit of £81k — it would take around 11 years to recoup that cost compared to renting and investing the difference.

Recent sales

Latest transactions · HM Land Registry Price Paid Data

Address	Type	Price	Date
33, LEASWAY MK41 9DG	Semi-detached	£295,000	29 Jan 2026
38, LOVELL ROAD MK42 0LR	Terraced	£242,000	23 Jan 2026
98, RUFFS FURZE, OAKLEY MK43 7RT	Semi-detached	£400,000	23 Jan 2026
3, OTTER WALK MK41 7UB	Semi-detached	£295,000	22 Jan 2026
FLAT 4, SWAN HOUSE, 3, HIGH STREET MK40 1RN	Flat/Maisonette	£161,000	21 Jan 2026
13, CRISPIN DRIVE MK41 7FL	Detached	£537,500	20 Jan 2026
14, MARETH ROAD MK42 0DB	Semi-detached

Explore postcodes in Bedford

5postcode districts · Click for detailed prices

Data sources (all free & public): HM Land Registry Price Paid Data & UK House Price Index · ONS Housing Affordability Ratios · ONS Private Rental Index · Bank of England Quoted Household Interest Rates · HMRC Monthly Property Transactions