Property Data OutlookMK45
13,803 recorded transactions · Part of Central Bedfordshire
Compare with another area →Market outlook for MK45
Key indicators for buyers
The MK45 market is moderately favourable for buyers. Prices have softened (-8.9%), which could present a buying opportunity. Affordability has improved from a peak of 11.2x in 2021 to 9.7x today. Rising rents (£1,235/mo, +5.5%) 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 Central Bedfordshire area
A home in Central Bedfordshire costs 9.7x the local median salary — stretched, improving from a peak of 11.2x in 2021.
Rental trends
Average monthly rent · ONS Private Rental Index
Rental data shown for wider Central Bedfordshire area
Average monthly rent in Central Bedfordshire is £1,235, up 5.5% 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 Central Bedfordshire price of £460,325 with a 25% deposit (£115k), a 2-year fixed mortgage at 3.97% costs around £1,817 per month.
Rent vs buy snapshot
Monthly cost comparison based on current data
Uses MK45 avg. price with Central Bedfordshire rental data
Monthly mortgage payments (£1,817) are £582 more than renting (£1,235). However, buying requires an upfront deposit of £115k — it would take around 19 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 |
|---|---|---|---|
32A, HIGH STREET, CLOPHILL MK45 4AA | Detached | £695,000 | 27 Jan 2026 |
20, PARK HILL, AMPTHILL MK45 2LP | Detached | £515,000 | 26 Jan 2026 |
20, HIGHFIELD ROAD, FLITTON MK45 5EB | Semi-detached | £435,000 | 22 Jan 2026 |
62, ROBINSON AVENUE, HOUGHTON CONQUEST MK45 3GF | Detached | £630,000 | 16 Jan 2026 |
47, TAVISTOCK AVENUE, AMPTHILL MK45 2RW | Terraced | £470,000 | 16 Jan 2026 |
37, LONGMEADOW DRIVE, WILSTEAD MK45 3FB | Terraced | £335,000 | 16 Jan 2026 |
28, WILLIAMS WAY, FLITWICK MK45 1XD |
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.