Market outlook for MK43
Key indicators for buyers
The MK43 market is moderately favourable for buyers. 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
Yearly averages · HM Land Registry Price Paid Data
Prices by property type
2026averages · HM Land Registry Price Paid Data
Affordability ratio
House price ÷ median earnings · ONS data
Affordability data shown for wider Bedford area
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
Rental data shown for wider Bedford area
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
Based on the average Bedford price of £420,917 with a 25% deposit (£105k), a 2-year fixed mortgage at 3.97% costs around £1,661 per month.
Rent vs buy snapshot
Monthly cost comparison based on current data
Uses MK43 avg. price with Bedford rental data
Monthly mortgage payments (£1,661) are £502 more than renting (£1,159). However, buying requires an upfront deposit of £105k — it would take around 18 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 |
|---|---|---|---|
98, RUFFS FURZE, OAKLEY MK43 7RT | Semi-detached | £400,000 | 23 Jan 2026 |
15, THE OLD FURLONG, CRANFIELD MK43 0GS | Detached | £389,000 | 23 Jan 2026 |
20, KINGS GROVE, CRANFIELD MK43 1AJ | Detached | £597,000 | 23 Jan 2026 |
23, LORDSMEAD, CRANFIELD MK43 0HP | Terraced | £300,000 | 22 Jan 2026 |
5, THE OLD FURLONG, CRANFIELD MK43 0GS | Semi-detached | £375,000 | 21 Jan 2026 |
83, ASHPOLE AVENUE, WOOTTON MK43 9EG | Detached | £493,000 | 16 Jan 2026 |
59, BRICK CRESCENT, STEWARTBY MK43 9GG |
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
Contains HM Land Registry data © Crown copyright and database right 2021. This data is licensed under the Open Government Licence v3.0.