Market outlook for CM19
Key indicators for buyers
The CM19 market is moderately favourable for buyers. Prices have softened (-6.1%), which could present a buying opportunity. 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
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 Harlow area
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
Rental data shown for wider Harlow area
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 £414,375 with a 25% deposit (£104k), a 2-year fixed mortgage at 3.97% costs around £1,635 per month.
Rent vs buy snapshot
Monthly cost comparison based on current data
Uses CM19 avg. price with Harlow rental data
Monthly mortgage payments (£1,635) are £126 more than renting (£1,509). However, buying requires an upfront deposit of £104k — it would take around 10 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 HALL COTTAGE, HARLOW ROAD, ROYDON CM19 5HH | Detached | £492,500 | 20 Jan 2026 |
31, WISSANTS CM19 4QW | Flat/Maisonette | £175,000 | 6 Jan 2026 |
2A, HANSELLS MEAD, ROYDON CM19 5HZ | Detached | £500,000 | 5 Jan 2026 |
81, PARKFIELDS, ROYDON CM19 5JA | Semi-detached | £490,000 | 5 Jan 2026 |
THE OLD RECTORY, RECTORY LANE CM19 4HA | Detached | £1,215,000 | 18 Dec 2025 |
56, THE MAPLES CM19 4QZ | Terraced | £375,000 | 18 Dec 2025 |
15, DEER PARK CM19 4LD | Semi-detached |
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.