Northern Ireland · house prices & affordability
What it costs to buy in Belfast
£181,033, that is the average home price in Belfast right now. What follows is the deposit you would need, the monthly repayment at the Bank of England's currently quoted rate, and the income a lender would want behind you, all pulled from official sources rather than a sales pitch.
Data updated 2026-06-30
- £181,033
- Belfast metro avg (April 2026)
- n/a
- Northern Ireland region YoY (no regional series)
- £930/mo
- mortgage at 4.76%, 10% deposit
- £36,000
- income a lender would want (4.5×)
Among the cheapest
Below local income
Near local income
No house-price feed for Belfast: this portal's regional House Price Index series does not include Northern Ireland, so there is no regional series to follow.
According to the Bank of England and HM Land Registry, whose House Price Index draws on more than 1,000,000 registered property transactions a year, the city average price on this page uses the April 2026 House Price Index release and the June 2026 Bank of England quoted-rate snapshot under the Open Government Licence. Our methodology states which geography each figure describes.
Geography used: the headline average price is the Belfast metro figure from the metros table; there is no year-on-year change or trend chart on this page because this portal's regional House Price Index series does not include Northern Ireland. Deposit, loan, and payment maths are derived from the metro price plus the Bank of England quoted rate for the matching LTV band.
How the £181,033 average price breaks down
Based on this metro's own published figures -- median house price, price-to-income ratio, and typical cash deposit -- each benchmarked against every tracked UK metro. Lower price, ratio and deposit score higher; this is not a measure of overall quality of life, mortgage rates, or long-term value.
The verdict
On Belfast's £181,033 average price, a 10% deposit brings the loan to £162,930, and at today's 4.76% two-year fix that works out to about £930 a month - lenders would generally look for a household income close to £36,000.
- £18,103
- 10% deposit needed
- £162,930
- loan at 90% LTV
- £930/mo
- over 25 years at 4.76%
- £1,026/mo
- stress-tested at 5.76%
Price: HM Land Registry (April 2026). Rate: Bank of England quoted 90% LTV two-year fix (June 2026).
Where Belfast sits among all 16 metros
Median house-price inventory across every tracked metro. Belfast is marked; price level is not a quality ranking.
Belfast vs all metros by median house price
Where this metro's median price sits among every tracked UK metro
181,033 16th of 16 the lowest of 16 metros
Metros, banded by median house price
Each bar is a band; taller bars hold more metros. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source HM Land Registry / metro price table · 2026-06-30
Price vs. price-to-income
Where Belfast sits on price vs. price-to-income
Among the 16 tracked UK metros with both figures recorded, Belfast's median house price is £181,033 against a price-to-income ratio of 6.03×, placing it in the affordable and comfortable quadrant relative to this group's own median price (£247,113) and median ratio (6.90×). Price and price-to-income are independent: a cheaper metro is not automatically the more affordable one once local income is accounted for.
Completion cost rate sheet
From Belfast's average price to a monthly payment BELFAS · Belfast 90% LTV · 2yr
Belfast · £930/mo at 4.76% · vs Liverpool
- BTL Belfast ask
- ERC 10% cash in
- FIX 90-band fix
- DIP near Liverpool
- APR over Liverpool
- SDLT 25y · stress
Figures use the published Belfast average and the Bank of England's quoted rate: typical-buyer maths, not a personal quote. Read with Belfast → · Model your own →
Belfast in the price neighbourhood
Median house price (£k) among this metro and nearest nationwide price peers
- Newcastle
Newcastle
209 £k
- Nottingham
Nottingham
193 £k
- Glasgow
Glasgow
187 £k
- Liverpool
Liverpool
184 £k
- Belfast
Belfast
181 £k
What this shows Belfast averages £181,033 (rank 1 of 16). Bars are £ thousands.
Where Belfast sits in the UK metro comparison
Nothing in this dataset ranks below Belfast; the next-dearer entry is Liverpool at £183,615.
Closest price-to-income multiple elsewhere: Nottingham at 5.8×, against Belfast's 6.0×.
Belfast's average price is 6.0 times the recorded median household income of £30,000. That places it rank 4 of 16 in this dataset when lower price-to-income multiples are treated as more affordable; it is a comparison signal, not a lending decision.
Compare Belfast across the full metro set
Rows are ordered by a Belfast-keyed shuffle of the full metro set so neighbouring pages do not share the same comparison order. Income multiples add a second disclosed lens from the portal's recorded metro data.
- Liverpool is price-rank 2 of 16, with an average £2,582 higher, recorded median household income of £32,000, and a 5.7× price-to-income multiple.
- Cardiff is price-rank 10 of 16, with an average £90,133 higher, recorded median household income of £34,000, and a 8.0× price-to-income multiple.
- Newcastle is price-rank 5 of 16, with an average £28,038 higher, recorded median household income of £32,000, and a 6.5× price-to-income multiple.
- Bristol is price-rank 12 of 16, with an average £172,629 higher, recorded median household income of £39,000, and a 9.1× price-to-income multiple.
- Sheffield is price-rank 6 of 16, with an average £41,047 higher, recorded median household income of £33,000, and a 6.7× price-to-income multiple.
- Cambridge is price-rank 14 of 16, with an average £281,112 higher, recorded median household income of £44,000, and a 10.5× price-to-income multiple.
- Edinburgh is price-rank 11 of 16, with an average £114,171 higher, recorded median household income of £40,000, and a 7.4× price-to-income multiple.
- Birmingham is price-rank 7 of 16, with an average £54,649 higher, recorded median household income of £34,000, and a 6.9× price-to-income multiple.
- Glasgow is price-rank 3 of 16, with an average £5,820 higher, recorded median household income of £33,000, and a 5.7× price-to-income multiple.
- Nottingham is price-rank 4 of 16, with an average £11,510 higher, recorded median household income of £33,000, and a 5.8× price-to-income multiple.
- Brighton is price-rank 13 of 16, with an average £225,104 higher, recorded median household income of £40,000, and a 10.2× price-to-income multiple.
- London is price-rank 16 of 16, with an average £371,622 higher, recorded median household income of £53,000, and a 10.4× price-to-income multiple.
- Manchester is price-rank 9 of 16, with an average £66,311 higher, recorded median household income of £36,000, and a 6.9× price-to-income multiple.
- Oxford is price-rank 15 of 16, with an average £294,448 higher, recorded median household income of £42,000, and a 11.3× price-to-income multiple.
- Leeds is price-rank 8 of 16, with an average £65,849 higher, recorded median household income of £36,000, and a 6.9× price-to-income multiple.
Income-context sample for Belfast
A Belfast-keyed shuffle of every metro with recorded income. Income is a context signal from the metro dataset, not an affordability assessment for an individual household.
- Sheffield has £3,000 higher, an average price of £222,080, and a 6.7× price-to-income multiple.
- Oxford has £12,000 higher, an average price of £475,481, and a 11.3× price-to-income multiple.
- Leeds has £6,000 higher, an average price of £246,882, and a 6.9× price-to-income multiple.
- Birmingham has £4,000 higher, an average price of £235,682, and a 6.9× price-to-income multiple.
- Cambridge has £14,000 higher, an average price of £462,145, and a 10.5× price-to-income multiple.
- Edinburgh has £10,000 higher, an average price of £295,204, and a 7.4× price-to-income multiple.
- Newcastle has £2,000 higher, an average price of £209,071, and a 6.5× price-to-income multiple.
- Brighton has £10,000 higher, an average price of £406,137, and a 10.2× price-to-income multiple.
- Manchester has £6,000 higher, an average price of £247,344, and a 6.9× price-to-income multiple.
- Bristol has £9,000 higher, an average price of £353,662, and a 9.1× price-to-income multiple.
- Liverpool has £2,000 higher, an average price of £183,615, and a 5.7× price-to-income multiple.
- Glasgow has £3,000 higher, an average price of £186,853, and a 5.7× price-to-income multiple.
- Cardiff has £4,000 higher, an average price of £271,166, and a 8.0× price-to-income multiple.
- Nottingham has £3,000 higher, an average price of £192,543, and a 5.8× price-to-income multiple.
- London has £23,000 higher, an average price of £552,655, and a 10.4× price-to-income multiple.
Compare beyond geography
Nationwide peers by price & affordability multiple
Two PlainMortgage-derived comparison paths for Belfast: nearest median house price and nearest price-to-income multiple across all 16 tracked UK metros. Regional trend charts above stay geographic; these neighbourhoods vary by metric.
Similar median house price
Nearest metros by HM Land Registry average price. This record: £181,033.
Similar price-to-income multiple
Nearest metros by average price ÷ recorded median household income. This record: 6.0×.
Source: HM Land Registry UK House Price Index 2026-10-16
Frequently asked questions
- What is the average house price in Belfast?
The HM Land Registry average for Belfast is £181,033 in the April 2026 release. It is an average transaction price for the local-authority area, not a valuation of a particular property.
- Where does Belfast sit on the portal's metro price ladder?
Rank 1 of 16. Nothing in this dataset ranks below Belfast; the next-dearer entry is Liverpool at £183,615.
- How does Belfast compare with similarly affordable metros?
Belfast's average price is 6.0 times its recorded median household income. The closest comparison in this portal's metro dataset is Nottingham at 5.8 times income; compare the price, local income and deposit assumptions rather than treating either figure as a personal lending decision.
Every figure on PlainMortgage is rendered directly from Bank of England and HM Land Registry data, no number is typed in by an editor. This page draws directly on Bank of England and HM Land Registry source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.