Market outlook for BD20
Key indicators for buyers
The BD20 market is moderately favourable for buyers. Prices are rising at 7.8%, 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
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 Bradford area
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
Rental data shown for wider Bradford area
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
Based on the average Bradford price of £291,583 with a 25% deposit (£73k), a 2-year fixed mortgage at 3.97% costs around £1,151 per month.
Rent vs buy snapshot
Monthly cost comparison based on current data
Uses BD20 avg. price with Bradford rental data
Monthly mortgage payments (£1,151) are £419 more than renting (£732). However, buying requires an upfront deposit of £73k — it would take around 22 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 |
|---|---|---|---|
11, AIRE STREET, CROSS HILLS BD20 7RT | Terraced | £143,000 | 23 Jan 2026 |
21, STATION ROAD, STEETON BD20 6RL | Terraced | £163,000 | 23 Jan 2026 |
7, AIRESIDE, CONONLEY BD20 8LT | Terraced | £241,000 | 21 Jan 2026 |
23, INGS ROAD, STEETON BD20 6RG | Terraced | £248,000 | 16 Jan 2026 |
41, ELMSLEY STREET, STEETON BD20 6SE | Semi-detached | £273,000 | 16 Jan 2026 |
18, EAST PARADE, STEETON BD20 6RP | Terraced | £193,000 | 15 Jan 2026 |
63, SYCAMORE GROVE BD20 7SW | Semi-detached |
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.