Average House Price in Scotland (July 2026)
The average house price in Scotland is £196,349, up 2.3% over the last year.
| Measure | Scotland |
|---|---|
| Average price | £196,349 |
| Change in the last month | +1.2% |
| Change in the last year | +2.3% |
| Change in the last 5 years | +16.3% |
| Change in the last 10 years | +43.4% |
| Compared with the UK average (£272,611) | 28% below |
Price each year
| Year | Average price in Scotland |
|---|---|
| 2026 | £196,349 |
| 2025 | £191,951 |
| 2024 | £185,882 |
| 2023 | £181,013 |
| 2022 | £182,979 |
| 2021 | £168,799 |
| 2020 | £148,755 |
| 2019 | £148,942 |
| 2018 | £146,056 |
| 2017 | £142,004 |
| 2016 | £136,931 |
By type of property
| Type | Average price |
|---|---|
| Detached | £362,765 |
| Semi-detached | £225,166 |
| Terraced | £182,762 |
| Flat or maisonette | £136,950 |
| First-time buyer | £160,341 |
What buying an average home costs
| Deposit | Deposit amount | Mortgage | Monthly payment |
|---|---|---|---|
| 25% (rate 5.13%) | £49,087 | £147,262 | £872 |
| 5% (rate 5.7%) | £9,817 | £186,532 | £1,168 |
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 £39,270.
Areas with similar prices
| Area | Average price | Annual change |
|---|---|---|
| Northern Ireland | £202,487 | +9.2% |
| Wales | £215,037 | +2.6% |
| United Kingdom | £272,611 | +1.4% |
| England | £293,479 | +1.1% |
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 Scotland?
The average house price in Scotland was £196,349 in July 2026, according to the HM Land Registry UK House Price Index. That is +2.3% compared with a year earlier.
How much deposit do I need in Scotland?
A 10% deposit on the average home would be £19,635, and 5% would be £9,817. A 25% deposit of £49,087 usually gets a cheaper mortgage rate.
What income do I need to buy in Scotland?
With a 10% deposit and a lender offering 4.5 times income, you would need a household income of roughly £39,270 to buy at the average price. Lenders also look at your other costs.
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.