Oxfordshire

Data from Land Registry, ONS, Bank of England

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Avg. price

£420,303

↑ +2.1% YoY

Affordability

9.52x

↓ price-to-earnings

Avg. rent

N/A

Market outlook for Oxfordshire

Key indicators for buyers

Prices stable+2.1% YoYRelatively stable market

Stretched9.5xImproving from 11.1x in 2021

Rates favourable3.97%2yr fixed, 75% LTV

Market quiet-6% YoYLess competition

The Oxfordshire market is moderately favourable for buyers. Affordability has improved from a peak of 11.1x in 2021 to 9.5x today.

Price trends

Average sale prices · HM Land Registry / UK HPI

£420,303

↑ +2.1% YoY

Affordability ratio

House price ÷ median earnings · ONS data

9.52x

price-to-earnings

A home in Oxfordshire costs 9.5x the local median salary — stretched, improving from a peak of 11.1x in 2021.

Monthly mortgage

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

£1,659

per month at 3.97%

LTV

Term

Deposit (25%)

£105k

Stamp duty

£9k

Based on the average Oxfordshire price of £420,303 with a 25% deposit (£105k), a 2-year fixed mortgage at 3.97% costs around £1,659 per month.

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