Market outlook for Harlow
Key indicators for buyers
The Harlow market is moderately favourable for buyers. Affordability has improved from a peak of 11.3x in 2021 to 8.8x today. Rising rents (£1,509/mo, +7.1%) 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 Harlow costs 8.8x the local median salary — stretched, improving from a peak of 11.3x in 2021.
Rental trends
Average monthly rent · ONS Private Rental Index
Average monthly rent in Harlow is £1,509, up 7.1% 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 Harlow price of £314,507 with a 25% deposit (£79k), a 2-year fixed mortgage at 3.97% costs around £1,241 per month.
Rent vs buy snapshot
Monthly cost comparison based on current data
Monthly mortgage payments (£1,241) are £268 less than renting (£1,509). However, buying requires an upfront deposit of £79k — it would take around 6 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 |
|---|---|---|---|
223, THE DASHES CM20 3RY | Flat/Maisonette | £155,000 | 23 Jan 2026 |
43, BELFIELD GARDENS, CHURCH LANGLEY CM17 9QN | Terraced | £345,000 | 20 Jan 2026 |
34, MULBERRY GREEN CM17 0ET | Detached | £665,000 | 20 Jan 2026 |
2, CHARTERS CROSS CM18 6UG | Semi-detached | £297,500 | 19 Jan 2026 |
8, PINEWOOD CLOSE CM17 9BA | Terraced | £350,000 | 16 Jan 2026 |
132, AYNSLEY GARDENS, CHURCH LANGLEY CM17 9PE | Terraced | £245,000 | 16 Jan 2026 |
32, ICENI SQUARE CM18 7FL | Detached |
Explore postcodes in Harlow
6postcode 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.