Scotland · house prices & affordability
What it costs to buy in Edinburgh
£295,204, that is the average home price in Edinburgh 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 2026-04
- £295,204
- Edinburgh metro avg (April 2026)
- +2.8%
- Scotland region YoY
- £1,483/mo
- mortgage at 4.76%, 12% deposit
- £58,000
- 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 Edinburgh metro figure from the metros table; the year-on-year change and trend chart are the broader Scotland 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
Put down the typical 12% deposit on Edinburgh's £295,204 average home and you are borrowing £259,780, which comes to roughly £1,483 a month on today's 4.76% two-year fix - lenders would want a household income near £58,000 behind that.
- £35,424
- 12% deposit needed
- £259,780
- loan at 88% LTV
- £1,483/mo
- over 25 years at 4.76%
- £1,636/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 Scotland
Where Edinburgh sits among all 16 metros
Median house-price inventory across every tracked metro. Edinburgh is marked; price level is not a quality ranking.
Edinburgh vs all metros by median house price
Where this metro's median price sits among every tracked UK metro
295,204 6th of 16 higher than 10 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 Scotland house prices changed recently
| Month | Avg price | MoM | YoY |
|---|---|---|---|
| November 2025 | £192,959 | +0.1% | +4.4% |
| December 2025 | £187,909 | -2.6% | +3.4% |
| January 2026 | £187,641 | -0.1% | +1.3% |
| February 2026 | £187,780 | +0.1% | +2.9% |
| March 2026 | £186,842 | -0.5% | +1.7% |
| April 2026 | £191,927 | +2.7% | +2.8% |
The Scotland region (+2.8% YoY) is trailing the UK national average (+3.8%) by 1.0 percentage points 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 Scotland region, not Edinburgh alone.
Quoted-fix completion sheet
From Edinburgh's average price to a monthly payment EDINBU · Edinburgh 90% LTV · 2yr
Edinburgh · £1,483/mo at 4.76% · vs Cardiff
- LTV Edinburgh ask
- LTV 12% cash in
- LTV 90-band fix
- LTV near Cardiff
- ASK under Cardiff
- ASK 25y · stress
Figures use the published Edinburgh average and the Bank of England's quoted rate: typical-buyer maths, not a personal quote. Read with Edinburgh → · Model your own →
Edinburgh in the price neighbourhood
Median house price (£k) among this metro and nearest nationwide price peers
- Bristol
Bristol
354 £k
- Edinburgh
Edinburgh
295 £k
- Cardiff
Cardiff
271 £k
- Manchester
Manchester
247 £k
- Leeds
Leeds
247 £k
What this shows Edinburgh averages £295,204 (rank 11 of 16). Bars are £ thousands.
Where Edinburgh sits in the UK metro comparison
Edinburgh sits near the middle of the portal's 16-metro comparison set: 10 entries cost less and 5 cost more on average. On the price ladder Cardiff sits immediately below at £271,166 and Bristol sits immediately above at £353,662.
Closest price-to-income multiple elsewhere: Birmingham at 6.9×, against Edinburgh's 7.4×.
Edinburgh's average price is 7.4 times the recorded median household income of £40,000. That places it rank 10 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 Edinburgh across the full metro set
Rows are ordered by a Edinburgh-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 £48,322 lower, recorded median household income of £36,000, and a 6.9× price-to-income multiple.
- Manchester is price-rank 9 of 16, with an average £47,860 lower, recorded median household income of £36,000, and a 6.9× price-to-income multiple.
- Sheffield is price-rank 6 of 16, with an average £73,124 lower, recorded median household income of £33,000, and a 6.7× price-to-income multiple.
- London is price-rank 16 of 16, with an average £257,451 higher, recorded median household income of £53,000, and a 10.4× price-to-income multiple.
- Newcastle is price-rank 5 of 16, with an average £86,133 lower, 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 £58,458 higher, recorded median household income of £39,000, and a 9.1× price-to-income multiple.
- Brighton is price-rank 13 of 16, with an average £110,933 higher, recorded median household income of £40,000, and a 10.2× price-to-income multiple.
- Cambridge is price-rank 14 of 16, with an average £166,941 higher, recorded median household income of £44,000, and a 10.5× price-to-income multiple.
- Birmingham is price-rank 7 of 16, with an average £59,522 lower, recorded median household income of £34,000, and a 6.9× price-to-income multiple.
- Nottingham is price-rank 4 of 16, with an average £102,661 lower, recorded median household income of £33,000, and a 5.8× price-to-income multiple.
- Liverpool is price-rank 2 of 16, with an average £111,589 lower, 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 £24,038 lower, recorded median household income of £34,000, and a 8.0× price-to-income multiple.
- Oxford is price-rank 15 of 16, with an average £180,277 higher, recorded median household income of £42,000, and a 11.3× price-to-income multiple.
- Glasgow is price-rank 3 of 16, with an average £108,351 lower, recorded median household income of £33,000, and a 5.7× price-to-income multiple.
- Belfast is price-rank 1 of 16, with an average £114,171 lower, recorded median household income of £30,000, and a 6.0× price-to-income multiple.
Income-context sample for Edinburgh
A Edinburgh-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.
- London has £13,000 higher, an average price of £552,655, and a 10.4× price-to-income multiple.
- Newcastle has £8,000 lower, an average price of £209,071, and a 6.5× price-to-income multiple.
- Glasgow has £7,000 lower, an average price of £186,853, and a 5.7× price-to-income multiple.
- Belfast has £10,000 lower, an average price of £181,033, and a 6.0× price-to-income multiple.
- Birmingham has £6,000 lower, an average price of £235,682, and a 6.9× price-to-income multiple.
- Liverpool has £8,000 lower, an average price of £183,615, and a 5.7× price-to-income multiple.
- Brighton has the same recorded median income, an average price of £406,137, and a 10.2× price-to-income multiple.
- Oxford has £2,000 higher, an average price of £475,481, and a 11.3× price-to-income multiple.
- Manchester has £4,000 lower, an average price of £247,344, and a 6.9× price-to-income multiple.
- Cambridge has £4,000 higher, an average price of £462,145, and a 10.5× price-to-income multiple.
- Sheffield has £7,000 lower, an average price of £222,080, and a 6.7× price-to-income multiple.
- Bristol has £1,000 lower, an average price of £353,662, and a 9.1× price-to-income multiple.
- Leeds has £4,000 lower, an average price of £246,882, and a 6.9× price-to-income multiple.
- Nottingham has £7,000 lower, an average price of £192,543, and a 5.8× price-to-income multiple.
- Cardiff has £6,000 lower, an average price of £271,166, and a 8.0× price-to-income multiple.
Compare beyond geography
Nationwide peers by price & affordability multiple
Two PlainMortgage-derived comparison paths for Edinburgh: 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: £295,204.
Similar price-to-income multiple
Nearest metros by average price ÷ recorded median household income. This record: 7.4×.
Source: HM Land Registry UK House Price Index 2026-04
Frequently asked questions
- What is the average house price in Edinburgh?
The HM Land Registry average for Edinburgh is £295,204 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 Edinburgh sit on the portal's metro price ladder?
Rank 11 of 16. On the price ladder Cardiff sits immediately below at £271,166 and Bristol sits immediately above at £353,662.
- How does Edinburgh compare with similarly affordable metros?
Edinburgh's average price is 7.4 times its recorded median household income. The closest comparison in this portal's metro dataset is Birmingham at 6.9 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.