St Albans

Data from Land Registry, ONS, Bank of England

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Avg. price

£626,629

↓ -1.8% YoY

Affordability

15.01x

↓ price-to-earnings

Avg. rent

£1910/mo

↑ +3.0% YoY

Market outlook for St Albans

Key indicators for buyers

Prices easing-1.8% YoYPotential buying opportunity

Very stretched15.0xImproving from 18.3x in 2022

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

Market quiet-6% YoYLess competition

Rents rising+3.0% YoYWaiting costs more (£1,910/mo)

The St Albans market is moderately favourable for buyers. Affordability has improved from a peak of 18.3x in 2022 to 15.0x today. Rising rents (£1,910/mo, +3.0%) mean the cost of waiting is real.

Price trends

Average sale prices · HM Land Registry / UK HPI

£626,629

↓ -1.8% YoY

Affordability ratio

House price ÷ median earnings · ONS data

15.01x

price-to-earnings

A home in St Albans costs 15.0x the local median salary — very stretched, improving from a peak of 18.3x in 2022.

Rental trends

Average monthly rent · ONS Private Rental Index

£1910/mo

↑ +3.0% YoY

Average monthly rent in St Albans is £1,910, up 3.0% year-on-year. Rents have risen consistently over the past five years.

Monthly mortgage

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

£2,473

per month at 3.97%

LTV

Term

Deposit (25%)

£157k

Stamp duty

£19k

Based on the average St Albans price of £626,629 with a 25% deposit (£157k), a 2-year fixed mortgage at 3.97% costs around £2,473 per month.

Rent vs buy snapshot

Monthly cost comparison based on current data

Renting

£1,910

per month

0% equity built

Buying (mortgage)

£2,473

per month

£563 more than renting

Breakeven

14yr

to recoup deposit

vs renting + investing

Monthly mortgage payments (£2,473) are £563 more than renting (£1,910). However, buying requires an upfront deposit of £157k — it would take around 14 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
5, ABBEY COURT, HOLYWELL HILL AL1 1HA	Flat/Maisonette	£392,000	27 Jan 2026
34, BUTT FIELD VIEW AL1 2QL	Detached	£700,000	23 Jan 2026
9, LINDEN ROAD, REDBOURN AL3 7PL	Detached	£930,000	23 Jan 2026
40, CANNON STREET AL3 5JS	Terraced	£530,000	23 Jan 2026
48, DOWN EDGE, REDBOURN AL3 7JP	Terraced	£420,000	23 Jan 2026
32, PAXTON ROAD AL1 1PF	Terraced	£922,000	23 Jan 2026
3, ASH COPSE, BRICKET WOOD AL2 3YA	Detached

Explore postcodes in St Albans

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