Market outlook for CR0
Key indicators for buyers
The CR0 market is moderately favourable for buyers. Affordability has improved from a peak of 11.8x in 2021 to 10.6x today. Rising rents (£1,556/mo, +4.2%) 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 Croydon area
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
Rental data shown for wider Croydon area
Average monthly rent in Croydon is £1,556, up 4.2% 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 Croydon price of £447,613 with a 25% deposit (£112k), a 2-year fixed mortgage at 3.97% costs around £1,766 per month.
Rent vs buy snapshot
Monthly cost comparison based on current data
Uses CR0 avg. price with Croydon rental data
Monthly mortgage payments (£1,766) are £210 more than renting (£1,556). However, buying requires an upfront deposit of £112k — it would take around 11 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 |
|---|---|---|---|
44, DEVONSHIRE WAY CR0 8BR | Semi-detached | £702,000 | 23 Jan 2026 |
78, SHIRLEY WAY CR0 8PB | Semi-detached | £708,000 | 22 Jan 2026 |
201, DEVONSHIRE WAY CR0 8BZ | Semi-detached | £673,150 | 22 Jan 2026 |
42, LAUD STREET CR0 1SX | Terraced | £220,000 | 21 Jan 2026 |
261, THORNTON ROAD CR0 3EW | Terraced | £415,000 | 20 Jan 2026 |
FLAT 2, 21, KEMBLE ROAD CR0 4JQ | Flat/Maisonette | £242,839 | 20 Jan 2026 |
139, STAFFORD ROAD CR0 4NN | Terraced | £546,000 |
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.