Cambridge

Data from Land Registry, ONS, Bank of England

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Avg. price

£476,755

↓ -2.5% YoY

Affordability

10.82x

↓ price-to-earnings

Avg. rent

£1793/mo

↑ +1.9% YoY

Market outlook for Cambridge

Key indicators for buyers

Prices easing-2.5% YoYPotential buying opportunity

Very stretched10.8xImproving from 13.5x in 2017

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

Market quiet-6% YoYLess competition

Rents rising+1.9% YoYWaiting costs more (£1,793/mo)

The Cambridge market is moderately favourable for buyers. Prices have softened (-2.5%), which could present a buying opportunity. Affordability has improved from a peak of 13.5x in 2017 to 10.8x today.

Price trends

Average sale prices · HM Land Registry / UK HPI

£476,755

↓ -2.5% YoY

Affordability ratio

House price ÷ median earnings · ONS data

10.82x

price-to-earnings

A home in Cambridge costs 10.8x the local median salary — very stretched, improving from a peak of 13.5x in 2017.

Rental trends

Average monthly rent · ONS Private Rental Index

£1793/mo

↑ +1.9% YoY

Average monthly rent in Cambridge is £1,793, up 1.9% year-on-year. Rents have risen consistently over the past five years.

Monthly mortgage

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

£1,881

per month at 3.97%

LTV

Term

Deposit (25%)

£119k

Stamp duty

£11k

Based on the average Cambridge price of £476,755 with a 25% deposit (£119k), a 2-year fixed mortgage at 3.97% costs around £1,881 per month.

Rent vs buy snapshot

Monthly cost comparison based on current data

Renting

£1,793

per month

0% equity built

Buying (mortgage)

£1,881

per month

£88 more than renting

Breakeven

10yr

to recoup deposit

vs renting + investing

Monthly mortgage payments (£1,881) are £88 more than renting (£1,793). However, buying requires an upfront deposit of £119k — it would take around 10 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
14, GUEST ROAD CB1 2AL	Terraced	£922,500	30 Jan 2026
102, GLISSON ROAD CB1 2HQ	Terraced	£491,500	28 Jan 2026
21, RENARD WAY, TRUMPINGTON CB2 9EW	Semi-detached	£740,000	26 Jan 2026
FLAT 7, AMBLECOTE, EAST ROAD CB1 1BN	Flat/Maisonette	£278,000	22 Jan 2026
30, SEDGWICK STREET CB1 3AJ	Terraced	£460,000	22 Jan 2026
17, HILLS AVENUE CB1 7UY	Detached	£2,225,000	22 Jan 2026
10, COLDHAMS GROVE CB1 3HW	Semi-detached

Explore postcodes in Cambridge

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