Average House Price in Moray (July 2026)
The average house price in Moray is £204,008, up 5.6% over the last year.
| Measure | Moray |
|---|---|
| Average price | £204,008 |
| Change in the last month | −1.0% |
| Change in the last year | +5.6% |
| Change in the last 5 years | +21.8% |
| Change in the last 10 years | +46.4% |
| Compared with the UK average (£272,611) | 25% below |
Price each year
| Year | Average price in Moray |
|---|---|
| 2026 | £204,008 |
| 2025 | £193,253 |
| 2024 | £195,096 |
| 2023 | £194,587 |
| 2022 | £187,956 |
| 2021 | £167,431 |
| 2020 | £149,266 |
| 2019 | £151,095 |
| 2018 | £150,790 |
| 2017 | £146,975 |
| 2016 | £139,354 |
What buying an average home costs
| Deposit | Deposit amount | Mortgage | Monthly payment |
|---|---|---|---|
| 25% (rate 5.13%) | £51,002 | £153,006 | £906 |
| 5% (rate 5.7%) | £10,200 | £193,808 | £1,213 |
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 £40,802.
LBTT on the average price is £1,180 for a home mover. Work out your own with the stamp duty calculator.
Areas with similar prices
| Area | Average price | Annual change |
|---|---|---|
| Aberdeenshire | £204,894 | +0.7% |
| Orkney Islands | £214,106 | −0.3% |
| City of Glasgow | £193,675 | +2.6% |
| Scottish Borders | £193,050 | +4.5% |
| Argyll and Bute | £189,366 | +3.1% |
| Highland | £221,136 | +6.1% |
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 Moray?
The average house price in Moray was £204,008 in July 2026, according to the HM Land Registry UK House Price Index. That is +5.6% compared with a year earlier.
How much deposit do I need in Moray?
A 10% deposit on the average home would be £20,401, and 5% would be £10,200. A 25% deposit of £51,002 usually gets a cheaper mortgage rate.
What income do I need to buy in Moray?
With a 10% deposit and a lender offering 4.5 times income, you would need a household income of roughly £40,802 to buy at the average price. Lenders also look at your other costs.
How much is stamp duty on the average home in Moray?
On £204,008, Land and Buildings Transaction Tax is £1,180 for a home mover and £580 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.