Spelthorne

Data from Land Registry, ONS, Bank of England

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Avg. price

£432,647

↓ -1.6% YoY

Affordability

12.22x

↓ price-to-earnings

Avg. rent

£1633/mo

↑ +1.7% YoY

Market outlook for Spelthorne

Key indicators for buyers

Prices easing-1.6% YoYPotential buying opportunity

Very stretched12.2x12.2x median earnings

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

Market quiet-6% YoYLess competition

Rents rising+1.7% YoYWaiting costs more (£1,633/mo)

The Spelthorne market is moderately favourable for buyers.

Price trends

Average sale prices · HM Land Registry / UK HPI

£432,647

↓ -1.6% YoY

Affordability ratio

House price ÷ median earnings · ONS data

12.22x

price-to-earnings

A home in Spelthorne costs 12.2x the local median salary — very stretched, improving from a peak of 12.2x in 2020.

Rental trends

Average monthly rent · ONS Private Rental Index

£1633/mo

↑ +1.7% YoY

Average monthly rent in Spelthorne is £1,633, up 1.7% year-on-year. Rents have risen consistently over the past five years.

Monthly mortgage

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

£1,707

per month at 3.97%

LTV

Term

Deposit (25%)

£108k

Stamp duty

£9k

Based on the average Spelthorne price of £432,647 with a 25% deposit (£108k), a 2-year fixed mortgage at 3.97% costs around £1,707 per month.

Rent vs buy snapshot

Monthly cost comparison based on current data

Renting

£1,633

per month

0% equity built

Buying (mortgage)

£1,707

per month

£74 more than renting

Breakeven

9yr

to recoup deposit

vs renting + investing

Monthly mortgage payments (£1,707) are £74 more than renting (£1,633). However, buying requires an upfront deposit of £108k — it would take around 9 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
80, STAINES ROAD TW18 2SU	Detached	£598,222	23 Jan 2026
4, RAVENDALE ROAD TW16 6PJ	Semi-detached	£755,000	21 Jan 2026
7, WORPLE ROAD TW18 1ED	Semi-detached	£640,000	16 Jan 2026
56, VILLAGE WAY TW15 2LB	Semi-detached	£600,000	16 Jan 2026
76, CHARLES ROAD TW18 1JX	Terraced	£510,000	16 Jan 2026
16, CHERRY TREE AVENUE TW18 1JF	Semi-detached	£570,000	16 Jan 2026
43, HOGARTH AVENUE TW15 1QB	Terraced

Explore postcodes in Spelthorne

5postcode 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