Bradford

Data from Land Registry, ONS, Bank of England

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Avg. price

£185,356

↑ +4.8% YoY

Affordability

5.17x

↑ price-to-earnings

Avg. rent

£732/mo

↑ +3.9% YoY

Market outlook for Bradford

Key indicators for buyers

Prices rising+4.8% YoYMay be harder to negotiate

Affordable5.2xImproving from 6.0x in 2007

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

Market quiet-6% YoYLess competition

Rents rising fast+3.9% YoYWaiting costs more (£732/mo)

The Bradford market looks favourable for buyers. Prices are rising at 4.8%, which may favour acting sooner rather than later. Affordability has improved from a peak of 6.0x in 2007 to 5.2x today. Rising rents (£732/mo, +3.9%) mean the cost of waiting is real.

Price trends

Average sale prices · HM Land Registry / UK HPI

£185,356

↑ +4.8% YoY

Affordability ratio

House price ÷ median earnings · ONS data

5.17x

price-to-earnings

A home in Bradford costs 5.2x the local median salary — moderate, improving from a peak of 6.0x in 2007.

Rental trends

Average monthly rent · ONS Private Rental Index

£732/mo

↑ +3.9% YoY

Average monthly rent in Bradford is £732, up 3.9% year-on-year. Rents have risen consistently over the past five years.

Monthly mortgage

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

£731

per month at 3.97%

LTV

Term

Deposit (25%)

£46k

Stamp duty

£0

Based on the average Bradford price of £185,356 with a 25% deposit (£46k), a 2-year fixed mortgage at 3.97% costs around £731 per month.

Rent vs buy snapshot

Monthly cost comparison based on current data

Renting

£732

per month

0% equity built

Buying (mortgage)

£731

per month

£1 less than renting

Breakeven

9yr

to recoup deposit

vs renting + investing

Monthly mortgage payments (£731) are £1 less than renting (£732). However, buying requires an upfront deposit of £46k — it would take around 9 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
44, CARRBOTTOM ROAD, GREENGATES BD10 0BB	Terraced	£236,000	28 Jan 2026
358, KINGS ROAD BD2 1NH	Semi-detached	£155,000	27 Jan 2026
1, GREEN STREET, HAWORTH BD22 8BE	Terraced	£50,723	26 Jan 2026
145, PASTURE LANE, CLAYTON BD14 6LR	Semi-detached	£270,000	26 Jan 2026
35, NORMAN LANE BD2 2LB	Terraced	£199,950	23 Jan 2026
100, REGENCY COURT BD8 9ET	Flat/Maisonette	£59,000	23 Jan 2026
21, JAMES STREET, ALLERTON BD15 7RB	Terraced

Explore postcodes in Bradford

22postcode 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