Scotland · house prices & affordability
What it costs to buy in Glasgow
Buying in Glasgow? The average home price is £186,853. 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
- £186,853
- Glasgow metro avg (April 2026)
- +2.8%
- Scotland region YoY
- £960/mo
- mortgage at 4.76%, 10% deposit
- £37,000
- 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 Glasgow 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
A 10% deposit on Glasgow's £186,853 average home leaves a £168,168 mortgage, running to roughly £960 a month at the current 4.76% two-year fixed rate - a lender would typically want to see household income around £37,000 for that.
- £18,685
- 10% deposit needed
- £168,168
- loan at 90% LTV
- £960/mo
- over 25 years at 4.76%
- £1,059/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 Glasgow sits among all 16 metros
Median house-price inventory across every tracked metro. Glasgow is marked; price level is not a quality ranking.
Glasgow vs all metros by median house price
Where this metro's median price sits among every tracked UK metro
186,853 14th of 16 higher than 2 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 Glasgow alone.
Completion cost rate sheet
What a lender would underwrite in Glasgow GLASGO · Glasgow 90% LTV · 2yr
Glasgow · £960/mo at 4.76% · vs Liverpool
- HPI Glasgow ask
- HPI 10% cash in
- REM 90-band fix
- REM near Liverpool
- HPI under Liverpool
- HPI 25y · stress
Figures use the published Glasgow average and the Bank of England's quoted rate: typical-buyer maths, not a personal quote. Read with Glasgow → · Model your own →
Glasgow 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 Glasgow averages £186,853 (rank 3 of 16). Bars are £ thousands.
Where Glasgow sits in the UK metro comparison
Glasgow sits in the lower-price quarter of the portal's 16-metro comparison set: only 2 entries cost less on average. On the price ladder Liverpool sits immediately below at £183,615 and Nottingham sits immediately above at £192,543.
Closest price-to-income multiple elsewhere: Liverpool at 5.7×, against Glasgow's 5.7×.
Glasgow's average price is 5.7 times the recorded median household income of £33,000. That places it rank 1 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.
Income-context sample for Glasgow
A Glasgow-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.
- Belfast has £3,000 lower, an average price of £181,033, and a 6.0× price-to-income multiple.
- Nottingham has the same recorded median income, an average price of £192,543, and a 5.8× price-to-income multiple.
- Birmingham has £1,000 higher, an average price of £235,682, and a 6.9× price-to-income multiple.
- Cardiff has £1,000 higher, an average price of £271,166, and a 8.0× price-to-income multiple.
- Bristol has £6,000 higher, an average price of £353,662, and a 9.1× price-to-income multiple.
- Leeds has £3,000 higher, an average price of £246,882, and a 6.9× price-to-income multiple.
- London has £20,000 higher, an average price of £552,655, and a 10.4× price-to-income multiple.
- Brighton has £7,000 higher, an average price of £406,137, and a 10.2× price-to-income multiple.
- Liverpool has £1,000 lower, an average price of £183,615, and a 5.7× price-to-income multiple.
- Sheffield has the same recorded median income, an average price of £222,080, and a 6.7× price-to-income multiple.
- Edinburgh has £7,000 higher, an average price of £295,204, and a 7.4× price-to-income multiple.
- Manchester has £3,000 higher, an average price of £247,344, and a 6.9× price-to-income multiple.
- Cambridge has £11,000 higher, an average price of £462,145, and a 10.5× price-to-income multiple.
- Oxford has £9,000 higher, an average price of £475,481, and a 11.3× price-to-income multiple.
- Newcastle has £1,000 lower, an average price of £209,071, and a 6.5× price-to-income multiple.
Compare Glasgow across the full metro set
Rows are ordered by a Glasgow-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 £3,238 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 £84,313 higher, recorded median household income of £34,000, and a 8.0× price-to-income multiple.
- Nottingham is price-rank 4 of 16, with an average £5,690 higher, recorded median household income of £33,000, and a 5.8× price-to-income multiple.
- Edinburgh is price-rank 11 of 16, with an average £108,351 higher, recorded median household income of £40,000, and a 7.4× price-to-income multiple.
- Leeds is price-rank 8 of 16, with an average £60,029 higher, recorded median household income of £36,000, and a 6.9× price-to-income multiple.
- Cambridge is price-rank 14 of 16, with an average £275,292 higher, recorded median household income of £44,000, and a 10.5× price-to-income multiple.
- London is price-rank 16 of 16, with an average £365,802 higher, recorded median household income of £53,000, and a 10.4× price-to-income multiple.
- Bristol is price-rank 12 of 16, with an average £166,809 higher, recorded median household income of £39,000, and a 9.1× price-to-income multiple.
- Newcastle is price-rank 5 of 16, with an average £22,218 higher, recorded median household income of £32,000, and a 6.5× price-to-income multiple.
- Birmingham is price-rank 7 of 16, with an average £48,829 higher, recorded median household income of £34,000, and a 6.9× price-to-income multiple.
- Brighton is price-rank 13 of 16, with an average £219,284 higher, recorded median household income of £40,000, and a 10.2× price-to-income multiple.
- Oxford is price-rank 15 of 16, with an average £288,628 higher, recorded median household income of £42,000, and a 11.3× price-to-income multiple.
- Sheffield is price-rank 6 of 16, with an average £35,227 higher, recorded median household income of £33,000, and a 6.7× price-to-income multiple.
- Manchester is price-rank 9 of 16, with an average £60,491 higher, recorded median household income of £36,000, and a 6.9× price-to-income multiple.
- Belfast is price-rank 1 of 16, with an average £5,820 lower, recorded median household income of £30,000, and a 6.0× price-to-income multiple.
Compare beyond geography
Nationwide peers by price & affordability multiple
Two PlainMortgage-derived comparison paths for Glasgow: 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: £186,853.
Similar price-to-income multiple
Nearest metros by average price ÷ recorded median household income. This record: 5.7×.
Source: HM Land Registry UK House Price Index 2026-04
Frequently asked questions
- What is the average house price in Glasgow?
The HM Land Registry average for Glasgow is £186,853 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 Glasgow sit on the portal's metro price ladder?
Rank 3 of 16. On the price ladder Liverpool sits immediately below at £183,615 and Nottingham sits immediately above at £192,543.
- How does Glasgow compare with similarly affordable metros?
Glasgow's average price is 5.7 times its recorded median household income. The closest comparison in this portal's metro dataset is Liverpool at 5.7 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.