Surrey Heath

Data from Land Registry, ONS, Bank of England

Compare with another area →

Avg. price

£460,756

↑ +3.0% YoY

Affordability

11.78x

↓ price-to-earnings

Avg. rent

£1487/mo

↑ +1.7% YoY

Market outlook for Surrey Heath

Key indicators for buyers

Prices stable+3.0% YoYRelatively stable market

Very stretched11.8xImproving from 13.1x in 2018

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

Market quiet-6% YoYLess competition

Rents rising+1.7% YoYWaiting costs more (£1,487/mo)

The Surrey Heath market is moderately favourable for buyers. Affordability has improved from a peak of 13.1x in 2018 to 11.8x today.

Price trends

Average sale prices · HM Land Registry / UK HPI

£460,756

↑ +3.0% YoY

Affordability ratio

House price ÷ median earnings · ONS data

11.78x

price-to-earnings

A home in Surrey Heath costs 11.8x the local median salary — very stretched, improving from a peak of 13.1x in 2018.

Rental trends

Average monthly rent · ONS Private Rental Index

£1487/mo

↑ +1.7% YoY

Average monthly rent in Surrey Heath is £1,487, 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

£1,818

per month at 3.97%

LTV

Term

Deposit (25%)

£115k

Stamp duty

£11k

Based on the average Surrey Heath price of £460,756 with a 25% deposit (£115k), a 2-year fixed mortgage at 3.97% costs around £1,818 per month.

Rent vs buy snapshot

Monthly cost comparison based on current data

Renting

£1,487

per month

0% equity built

Buying (mortgage)

£1,818

per month

£331 more than renting

Breakeven

13yr

to recoup deposit

vs renting + investing

Monthly mortgage payments (£1,818) are £331 more than renting (£1,487). However, buying requires an upfront deposit of £115k — it would take around 13 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
13, STICKLE DOWN, DEEPCUT GU16 6GB	Terraced	£505,000	23 Jan 2026
7, CLIFTON GARDENS, FRIMLEY GREEN GU16 6QD	Terraced	£322,000	23 Jan 2026
194, LONDON ROAD GU19 5EZ	Terraced	£440,000	23 Jan 2026
58, IVY DRIVE GU18 5YT	Flat/Maisonette	£260,000	22 Jan 2026
TIMBERS, CHURCH ROAD GU20 6BH	Semi-detached	£499,999	19 Jan 2026
8, SCARLET OAKS GU15 1RD	Flat/Maisonette	£215,000	19 Jan 2026
36H, LONDON ROAD GU19 5HN	Terraced

Explore postcodes in Surrey Heath

6postcode 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