Swindon

Data from Land Registry, ONS, Bank of England

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Avg. price

£262,176

↑ +2.1% YoY

Affordability

6.95x

price-to-earnings

Avg. rent

£1080/mo

↑ +3.6% YoY

Market outlook for Swindon

Key indicators for buyers

Prices stable+2.1% YoYRelatively stable market

Moderate7.0xImproving from 7.9x in 2021

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

Market quiet-6% YoYLess competition

Rents rising fast+3.6% YoYWaiting costs more (£1,080/mo)

The Swindon market looks favourable for buyers. Affordability has improved from a peak of 7.9x in 2021 to 7.0x today. Rising rents (£1,080/mo, +3.6%) mean the cost of waiting is real.

Price trends

Average sale prices · HM Land Registry / UK HPI

£262,176

↑ +2.1% YoY

Affordability ratio

House price ÷ median earnings · ONS data

6.95x

price-to-earnings

A home in Swindon costs 7.0x the local median salary — moderate, improving from a peak of 7.9x in 2021.

Rental trends

Average monthly rent · ONS Private Rental Index

£1080/mo

↑ +3.6% YoY

Average monthly rent in Swindon is £1,080, up 3.6% year-on-year. Rents have risen consistently over the past five years.

Monthly mortgage

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

£1,035

per month at 3.97%

LTV

Term

Deposit (25%)

£66k

Stamp duty

£609

Based on the average Swindon price of £262,176 with a 25% deposit (£66k), a 2-year fixed mortgage at 3.97% costs around £1,035 per month.

Rent vs buy snapshot

Monthly cost comparison based on current data

Renting

£1,080

per month

0% equity built

Buying (mortgage)

£1,035

per month

£45 less than renting

Breakeven

8yr

to recoup deposit

vs renting + investing

Monthly mortgage payments (£1,035) are £45 less than renting (£1,080). However, buying requires an upfront deposit of £66k — it would take around 8 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
49, TWINEHAM ROAD SN25 2AG	Semi-detached	£380,000	29 Jan 2026
291, CRICKLADE ROAD SN2 1AG	Semi-detached	£283,000	28 Jan 2026
6, BUTTERWORTH STREET SN1 5HA	Terraced	£200,000	27 Jan 2026
21, SHEARWOOD ROAD, PEATMOOR SN5 5DL	Flat/Maisonette	£124,999	26 Jan 2026
49, WINDFLOWER ROAD SN25 1QS	Flat/Maisonette	£78,500	23 Jan 2026
43, MARBECK CLOSE SN25 2LT	Flat/Maisonette	£117,000	23 Jan 2026
83, THAMES AVENUE SN25 3NS	Semi-detached

Explore postcodes in Swindon

9postcode 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