Croydon

Data from Land Registry, ONS, Bank of England

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Avg. price

£390,041

↓ -3.4% YoY

Affordability

10.62x

↓ price-to-earnings

Avg. rent

£1582/mo

↑ +3.2% YoY

Market outlook for Croydon

Key indicators for buyers

Prices falling-3.4% YoYPotential buying opportunity

Very stretched10.6xImproving from 11.8x in 2021

Rates moderate4.92%2yr fixed, 75% LTV

Market steady-2% YoYNormal activity levels

Rents rising fast+3.2% YoYWaiting costs more (£1,582/mo)

The Croydon market is moderately favourable for buyers. Prices have softened (-3.4%), which could present a buying opportunity. Affordability has improved from a peak of 11.8x in 2021 to 10.6x today. Rising rents (£1,582/mo, +3.2%) mean the cost of waiting is real.

Price trends

Average sale prices · HM Land Registry / UK HPI

£390,041

↓ -3.4% YoY

Affordability ratio

House price ÷ median earnings · ONS data

10.62x

price-to-earnings

A home in Croydon costs 10.6x the local median salary — very stretched, improving from a peak of 11.8x in 2021.

Rental trends

Average monthly rent · ONS Private Rental Index

£1582/mo

↑ +3.2% YoY

Average monthly rent in Croydon is £1,582, up 3.2% year-on-year. Rents have risen consistently over the past five years.

Monthly mortgage

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

£1,696

per month at 4.92%

LTV

Term

Deposit (25%)

£98k

Stamp duty

£7k

Based on the average Croydon price of £390,041 with a 25% deposit (£98k), a 2-year fixed mortgage at 4.92% costs around £1,696 per month.

Rent vs buy snapshot

Monthly cost comparison based on current data

Renting

£1,582

per month

0% equity built

Buying (mortgage)

£1,696

per month

£114 more than renting

Breakeven

9yr

to recoup deposit

vs renting + investing

Monthly mortgage payments (£1,696) are £114 more than renting (£1,582). However, buying requires an upfront deposit of £98k — it would take around 9 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
158, BALLARDS WAY CR0 5RG	Detached	£725,000	24 Aug 2026
35, WARREN ROAD CR0 6PE	Terraced	£325,000	21 Aug 2026
14, TULLICK WAY CR5 3GW	Detached	£920,550	21 Aug 2026
9, EDGAR ROAD CR2 0NJ	Semi-detached	£740,000	20 Aug 2026
146, RIDGE LANGLEY CR2 0AS	Detached	£688,510	20 Aug 2026
66, BEVERSTONE ROAD CR7 7LT	Terraced	£336,000	20 Aug 2026
20, CROHAM MOUNT CR2 0BR	Detached	£733,000

Explore postcodes in Croydon

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