Market outlook for MK44
Key indicators for buyers
The MK44 market is moderately favourable for buyers. Prices have softened (-30.3%), which could present a buying opportunity. 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 £368,460 with a 25% deposit (£92k), a 2-year fixed mortgage at 3.97% costs around £1,454 per month.
Rent vs buy snapshot
Monthly cost comparison based on current data
Uses MK44 avg. price with Bedford rental data
Monthly mortgage payments (£1,454) are £295 more than renting (£1,159). However, buying requires an upfront deposit of £92k — it would take around 13 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 |
|---|---|---|---|
5, WEST WAY, MOGGERHANGER MK44 3RF | Terraced | £262,300 | 22 Jan 2026 |
TWISDEN, CHURCH END, RAVENSDEN MK44 2RR | Terraced | £230,000 | 16 Jan 2026 |
44, GIBBARDS CLOSE, SHARNBROOK MK44 1LF | Terraced | £315,000 | 13 Jan 2026 |
WILLOW COTTAGE, OLDWAYS ROAD, RAVENSDEN MK44 2RF | Detached | £750,000 | 7 Jan 2026 |
6, BOURNE ROAD, RISELEY MK44 1EA | Semi-detached | £285,000 | 3 Jan 2026 |
10, CHURCH ROAD, COLMWORTH MK44 2JX | Terraced | £325,120 | 19 Dec 2025 |
DOGROSE TOP, KEYSOE ROW WEST, KEYSOE MK44 2JF |
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.