Average House Price in Cotswold (July 2026)
The average house price in Cotswold is £421,125, up 0.4% over the last year.
| Measure | Cotswold |
|---|---|
| Average price | £421,125 |
| Change in the last month | +1.4% |
| Change in the last year | +0.4% |
| Change in the last 5 years | +13.4% |
| Change in the last 10 years | +39.7% |
| Compared with the UK average (£272,611) | 54% above |
Price each year
| Year | Average price in Cotswold |
|---|---|
| 2026 | £421,125 |
| 2025 | £419,445 |
| 2024 | £439,204 |
| 2023 | £431,637 |
| 2022 | £432,568 |
| 2021 | £371,455 |
| 2020 | £354,817 |
| 2019 | £356,023 |
| 2018 | £337,237 |
| 2017 | £325,509 |
| 2016 | £301,498 |
What buying an average home costs
| Deposit | Deposit amount | Mortgage | Monthly payment |
|---|---|---|---|
| 25% (rate 5.13%) | £105,281 | £315,844 | £1,870 |
| 5% (rate 5.7%) | £21,056 | £400,069 | £2,505 |
Monthly repayments over 25 years at the Bank of England’s average quoted 2-year fixed rates for September 2026 (75% and 95% loan to value). See average mortgage rates. To borrow 90% of the price at 4.5 times income you would need about £84,225.
Stamp duty on the average price is £11,056 for a home mover. Work out your own with the stamp duty calculator.
Areas with similar prices
| Area | Average price | Annual change |
|---|---|---|
| North Hertfordshire | £418,857 | +5.3% |
| West Oxfordshire | £418,586 | −1.6% |
| Vale of White Horse | £413,773 | +5.7% |
| Bexley | £413,343 | +2.0% |
| Rochford | £412,543 | +2.9% |
| Broxbourne | £411,689 | +2.5% |
Source: HM Land Registry UK House Price Index, July 2026. Contains HM Land Registry data © Crown copyright and database right, supplied under the Open Government Licence. Averages cover all property types and the latest month is often revised. Individual properties vary widely.
Frequently asked questions
What is the average house price in Cotswold?
The average house price in Cotswold was £421,125 in July 2026, according to the HM Land Registry UK House Price Index. That is +0.4% compared with a year earlier.
How much deposit do I need in Cotswold?
A 10% deposit on the average home would be £42,113, and 5% would be £21,056. A 25% deposit of £105,281 usually gets a cheaper mortgage rate.
What income do I need to buy in Cotswold?
With a 10% deposit and a lender offering 4.5 times income, you would need a household income of roughly £84,225 to buy at the average price. Lenders also look at your other costs.
How much is stamp duty on the average home in Cotswold?
On £421,125, Stamp Duty Land Tax is £11,056 for a home mover and £6,056 for a first-time buyer.
Figures are for the 2026/27 tax year from official sources and are estimates for guidance only, not financial or legal advice. Printed from ukanswers.co.uk.