East of England · house prices & affordability
What it costs to buy in Cambridge
Buying in Cambridge? The average home price is £462,145. This page breaks down the deposit, the monthly repayment at the Bank of England's current quoted rate, and the household income a lender would look for, built from official published data alone.
Data updated 2026-04
- £462,145
- Cambridge metro avg (April 2026)
- +3.8%
- East of England region YoY
- £2,268/mo
- mortgage at 4.76%, 14% deposit
- £88,000
- income a lender would want (4.5×)
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 and region trend on this page use 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 Cambridge metro figure from the metros table; the year-on-year change and trend chart are the broader East of England region House Price Index series (not a place-level YoY). Deposit, loan, and payment maths are derived from the metro price plus the Bank of England quoted rate for the matching LTV band.
The verdict
£397,445 is the loan behind Cambridge's £462,145 average home once a 14% deposit is in, and at today's 4.76% two-year fixed rate that is about £2,268 a month - the income lenders would look for sits near £88,000.
- £64,700
- 14% deposit needed
- £397,445
- loan at 86% LTV
- £2,268/mo
- over 25 years at 4.76%
- £2,503/mo
- stress-tested at 5.76%
Price: HM Land Registry (April 2026). Rate: Bank of England quoted 90% LTV two-year fix (June 2026).
House prices in the East of England
Where Cambridge sits among all 16 metros
Median house-price inventory across every tracked metro. Cambridge is marked; price level is not a quality ranking.
Cambridge vs all metros by median house price
Where this metro's median price sits among every tracked UK metro
462,145 3rd of 16 higher than 13 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 · 2026-04
How East of England house prices changed recently
| Month | Avg price | MoM | YoY |
|---|---|---|---|
| November 2025 | £339,562 | -0.5% | +2.2% |
| December 2025 | £337,154 | -0.7% | +1.3% |
| January 2026 | £334,542 | -0.8% | +0.6% |
| February 2026 | £337,609 | +0.9% | +1.7% |
| March 2026 | £335,131 | -0.7% | -0.5% |
| April 2026 | £336,300 | +0.3% | +3.8% |
The East of England region's year-on-year change (+3.8%) is roughly in line with the UK national average (+3.8%) in the April 2026 release.
Source: HM Land Registry UK House Price Index. MoM = month-on-month change. YoY = year-on-year change. Figures are for the East of England region, not Cambridge alone.
Broker-style rate sheet
The mortgage maths for Cambridge CAMBRI · Cambridge 90% LTV · 2yr
Cambridge · £2,268/mo at 4.76% · vs Oxford
- REM Cambridge ask
- REM 14% cash in
- SVR 90-band fix
- SVR near Oxford
- HPI under Brighton
- HPI 25y · stress
Figures use the published Cambridge average and the Bank of England's quoted rate: typical-buyer maths, not a personal quote. Read with Cambridge → · Model your own →
Cambridge in the price neighbourhood
Median house price (£k) among this metro and nearest nationwide price peers
- London
London
553 £k
- Oxford
Oxford
475 £k
- Cambridge
Cambridge
462 £k
- Brighton
Brighton
406 £k
- Bristol
Bristol
354 £k
What this shows Cambridge averages £462,145 (rank 14 of 16). Bars are £ thousands.
Where Cambridge sits in the UK metro comparison
Cambridge sits in the upper-price quarter of the portal's 16-metro comparison set: only 2 entries cost more on average. On the price ladder Brighton sits immediately below at £406,137 and Oxford sits immediately above at £475,481.
Closest price-to-income multiple elsewhere: London at 10.4×, against Cambridge's 10.5×.
Cambridge's average price is 10.5 times the recorded median household income of £44,000. That places it rank 15 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 Cambridge across the full metro set
Rows are ordered by a Cambridge-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.
- Leeds is price-rank 8 of 16, with an average £215,263 lower, recorded median household income of £36,000, and a 6.9× price-to-income multiple.
- Liverpool is price-rank 2 of 16, with an average £278,530 lower, recorded median household income of £32,000, and a 5.7× price-to-income multiple.
- London is price-rank 16 of 16, with an average £90,510 higher, recorded median household income of £53,000, and a 10.4× price-to-income multiple.
- Brighton is price-rank 13 of 16, with an average £56,008 lower, recorded median household income of £40,000, and a 10.2× price-to-income multiple.
- Cardiff is price-rank 10 of 16, with an average £190,979 lower, recorded median household income of £34,000, and a 8.0× price-to-income multiple.
- Bristol is price-rank 12 of 16, with an average £108,483 lower, 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 £240,065 lower, recorded median household income of £33,000, and a 6.7× price-to-income multiple.
- Glasgow is price-rank 3 of 16, with an average £275,292 lower, recorded median household income of £33,000, and a 5.7× price-to-income multiple.
- Newcastle is price-rank 5 of 16, with an average £253,074 lower, recorded median household income of £32,000, and a 6.5× price-to-income multiple.
- Edinburgh is price-rank 11 of 16, with an average £166,941 lower, recorded median household income of £40,000, and a 7.4× price-to-income multiple.
- Belfast is price-rank 1 of 16, with an average £281,112 lower, recorded median household income of £30,000, and a 6.0× price-to-income multiple.
- Nottingham is price-rank 4 of 16, with an average £269,602 lower, recorded median household income of £33,000, and a 5.8× price-to-income multiple.
- Birmingham is price-rank 7 of 16, with an average £226,463 lower, recorded median household income of £34,000, and a 6.9× price-to-income multiple.
- Oxford is price-rank 15 of 16, with an average £13,336 higher, recorded median household income of £42,000, and a 11.3× price-to-income multiple.
- Manchester is price-rank 9 of 16, with an average £214,801 lower, recorded median household income of £36,000, and a 6.9× price-to-income multiple.
Income-context sample for Cambridge
A Cambridge-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.
- Birmingham has £10,000 lower, an average price of £235,682, and a 6.9× price-to-income multiple.
- Newcastle has £12,000 lower, an average price of £209,071, and a 6.5× price-to-income multiple.
- Edinburgh has £4,000 lower, an average price of £295,204, and a 7.4× price-to-income multiple.
- Cardiff has £10,000 lower, an average price of £271,166, and a 8.0× price-to-income multiple.
- Bristol has £5,000 lower, an average price of £353,662, and a 9.1× price-to-income multiple.
- Leeds has £8,000 lower, an average price of £246,882, and a 6.9× price-to-income multiple.
- Oxford has £2,000 lower, an average price of £475,481, and a 11.3× price-to-income multiple.
- Liverpool has £12,000 lower, an average price of £183,615, and a 5.7× price-to-income multiple.
- Brighton has £4,000 lower, an average price of £406,137, and a 10.2× price-to-income multiple.
- Belfast has £14,000 lower, an average price of £181,033, and a 6.0× price-to-income multiple.
- Glasgow has £11,000 lower, an average price of £186,853, and a 5.7× price-to-income multiple.
- Sheffield has £11,000 lower, an average price of £222,080, and a 6.7× price-to-income multiple.
- Nottingham has £11,000 lower, an average price of £192,543, and a 5.8× price-to-income multiple.
- Manchester has £8,000 lower, an average price of £247,344, and a 6.9× price-to-income multiple.
- London has £9,000 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 Cambridge: 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: £462,145.
Similar price-to-income multiple
Nearest metros by average price ÷ recorded median household income. This record: 10.5×.
Source: HM Land Registry UK House Price Index 2026-04
Frequently asked questions
- What is the average house price in Cambridge?
The HM Land Registry average for Cambridge is £462,145 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 Cambridge sit on the portal's metro price ladder?
Rank 14 of 16. On the price ladder Brighton sits immediately below at £406,137 and Oxford sits immediately above at £475,481.
- How does Cambridge compare with similarly affordable metros?
Cambridge's average price is 10.5 times its recorded median household income. The closest comparison in this portal's metro dataset is London at 10.4 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.