Property Data OutlookCotswold
Data from Land Registry, ONS, Bank of England
Compare with another area →Market outlook for Cotswold
Key indicators for buyers
The Cotswold market is moderately favourable for buyers. Prices have softened (-3.1%), which could present a buying opportunity. Affordability has improved from a peak of 15.7x in 2021 to 13.4x today. Rising rents (£1,263/mo, +9.7%) 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 Cotswold costs 13.4x the local median salary — very stretched, improving from a peak of 15.7x in 2021.
Rental trends
Average monthly rent · ONS Private Rental Index
Average monthly rent in Cotswold is £1,263, up 9.7% 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 Cotswold price of £417,038 with a 25% deposit (£104k), a 2-year fixed mortgage at 3.97% costs around £1,646 per month.
Rent vs buy snapshot
Monthly cost comparison based on current data
Monthly mortgage payments (£1,646) are £383 more than renting (£1,263). However, buying requires an upfront deposit of £104k — it would take around 14 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 |
|---|---|---|---|
1, THE CURSUS GL7 3SB | Detached | £535,000 | 28 Jan 2026 |
FLAT 8, STONEFERN COURT, STOW ROAD GL56 0DW | Flat/Maisonette | £157,000 | 26 Jan 2026 |
12, CHESTNUT CLOSE GL8 8LH | Semi-detached | £297,500 | 23 Jan 2026 |
STABLE COTTAGE, MILL END GL54 3HJ | Terraced | £350,000 | 23 Jan 2026 |
LYNTON, STATION ROAD, ANDOVERSFORD GL54 4HP | Detached | £470,000 | 22 Jan 2026 |
GARDEN COTTAGE, THE GREEN, BLEDINGTON OX7 6XQ | Detached | £792,295 | 20 Jan 2026 |
3, GALES COURT, MOUNT PLEASANT GL7 3DG |
Explore postcodes in Cotswold
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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.