Market outlook for HA3
Key indicators for buyers
The HA3 market is moderately favourable for buyers. Affordability has improved from a peak of 16.0x in 2017 to 14.0x today. Rising rents (£1,752/mo, +3.1%) 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 Harrow area
A home in Harrow costs 14.0x the local median salary — very stretched, improving from a peak of 16.0x in 2017.
Rental trends
Average monthly rent · ONS Private Rental Index
Rental data shown for wider Harrow area
Average monthly rent in Harrow is £1,752, up 3.1% 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 Harrow price of £535,000 with a 25% deposit (£134k), a 2-year fixed mortgage at 3.97% costs around £2,111 per month.
Rent vs buy snapshot
Monthly cost comparison based on current data
Uses HA3 avg. price with Harrow rental data
Monthly mortgage payments (£2,111) are £359 more than renting (£1,752). However, buying requires an upfront deposit of £134k — it would take around 12 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 |
|---|---|---|---|
175, ST PAULS AVENUE HA3 9PT | Terraced | £600,000 | 21 Jan 2026 |
107, ELGIN AVENUE HA3 8QN | Semi-detached | £600,000 | 20 Jan 2026 |
36, HAMPDEN ROAD HA3 5PR | Semi-detached | £500,000 | 12 Jan 2026 |
111, CARMELITE ROAD HA3 5LU | Terraced | £515,000 | 6 Jan 2026 |
88, KENMORE ROAD HA3 9EZ | Terraced | £475,000 | 6 Jan 2026 |
61, BORROWDALE AVENUE HA3 7PY | Terraced | £520,000 | 2 Jan 2026 |
FLAT 2, 239, HIGH ROAD HA3 5EE | Detached | £830,000 |
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.