Average House Price in Scottish Borders (July 2026)
The average house price in Scottish Borders is £193,050, up 4.5% over the last year.
| Measure | Scottish Borders |
|---|---|
| Average price | £193,050 |
| Change in the last month | +1.7% |
| Change in the last year | +4.5% |
| Change in the last 5 years | +20.1% |
| Change in the last 10 years | +49.3% |
| Compared with the UK average (£272,611) | 29% below |
Price each year
| Year | Average price in Scottish Borders |
|---|---|
| 2026 | £193,050 |
| 2025 | £184,806 |
| 2024 | £176,889 |
| 2023 | £174,679 |
| 2022 | £171,760 |
| 2021 | £160,684 |
| 2020 | £131,176 |
| 2019 | £129,645 |
| 2018 | £132,866 |
| 2017 | £133,190 |
| 2016 | £129,271 |
What buying an average home costs
| Deposit | Deposit amount | Mortgage | Monthly payment |
|---|---|---|---|
| 25% (rate 5.13%) | £48,263 | £144,788 | £857 |
| 5% (rate 5.7%) | £9,653 | £183,398 | £1,148 |
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 £38,610.
LBTT on the average price is £961 for a home mover. Work out your own with the stamp duty calculator.
Areas with similar prices
| Area | Average price | Annual change |
|---|---|---|
| City of Glasgow | £193,675 | +2.6% |
| Argyll and Bute | £189,366 | +3.1% |
| South Lanarkshire | £185,267 | +4.1% |
| Moray | £204,008 | +5.6% |
| Aberdeenshire | £204,894 | +0.7% |
| Shetland Islands | £179,493 | −7.0% |
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 Scottish Borders?
The average house price in Scottish Borders was £193,050 in July 2026, according to the HM Land Registry UK House Price Index. That is +4.5% compared with a year earlier.
How much deposit do I need in Scottish Borders?
A 10% deposit on the average home would be £19,305, and 5% would be £9,653. A 25% deposit of £48,263 usually gets a cheaper mortgage rate.
What income do I need to buy in Scottish Borders?
With a 10% deposit and a lender offering 4.5 times income, you would need a household income of roughly £38,610 to buy at the average price. Lenders also look at your other costs.
How much is stamp duty on the average home in Scottish Borders?
On £193,050, Land and Buildings Transaction Tax is £961 for a home mover and £361 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.