Property Data OutlookCity of Derby
Data from Land Registry, ONS, Bank of England
Compare with another area →Market outlook for City of Derby
Key indicators for buyers
The City of Derby market looks favourable for buyers. Rising rents (£844/mo, +3.1%) mean the cost of waiting is real.
Price trends
Average sale prices · HM Land Registry / UK HPI
Affordability ratio
House price ÷ median earnings · ONS data
A home in City of Derby costs 5.3x the local median salary — moderate, improving from a peak of 5.7x in 2007.
Rental trends
Average monthly rent · ONS Private Rental Index
Average monthly rent in City of Derby is £844, up 3.1% 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 City of Derby price of £205,904 with a 25% deposit (£51k), a 2-year fixed mortgage at 3.97% costs around £813 per month.
Rent vs buy snapshot
Monthly cost comparison based on current data
Monthly mortgage payments (£813) are £31 less than renting (£844). However, buying requires an upfront deposit of £51k — it would take around 8 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 |
|---|---|---|---|
420, HARVEY ROAD DE24 8JX | Semi-detached | £82,500 | 29 Jan 2026 |
211, NORMAN HOUSE, FRIAR GATE DE1 1NU | Flat/Maisonette | £46,000 | 27 Jan 2026 |
30, DAVENPORT ROAD DE24 8AX | Terraced | £115,000 | 27 Jan 2026 |
1, FARRIER GARDENS, LITTLEOVER DE23 3XR | Detached | £495,350 | 26 Jan 2026 |
14, DEVON CLOSE DE21 6DQ | Semi-detached | £220,000 | 26 Jan 2026 |
26, CURZON ROAD, CHADDESDEN DE21 4NF | Semi-detached | £180,000 | 23 Jan 2026 |
76, CEDAR STREET DE22 1GE | Terraced |
Explore postcodes in City of Derby
8postcode 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
Contains HM Land Registry data © Crown copyright and database right 2021. This data is licensed under the Open Government Licence v3.0.