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Derbyshire Dales · report

Buy or rent in Derbyshire Dales

Renting the average home costs less each month than owning it. Owning counts interest, running costs and the return the deposit could earn, at the average sale price; rent is the average of all private tenancies. Repaying the loan is saving, so it is left out.

Rent per month
£828
Owning per month
£1,609

Try your own numbers

Starting from the average sale price of £341,776 and the average private rent of £828 a month in Derbyshire Dales, and a mortgage rate of 4.6%.

Assumptions
4.6
1
Buildings insurance, maintenance, and any service charge and ground rent. Council tax is paid by tenants too, so it is left out.
3
What the deposit and purchase costs could earn if invested instead.
7
Stamp duty (land transaction tax in Wales, LBTT in Scotland), conveyancing, survey and lender's fees, paid once.

Renting costs less each month than owning.

Rent a month
£828
Owning a month, not recovered
£1,609
Interest
£1,179
Running costs
£285
Return given up
£145
Cash out a month, if buying
£1,862

Gross rental yield in Derbyshire Dales

A year's rent as a share of the average sale price, month by month. Higher means rent is dear compared with buying.

Show the numbers
PeriodDerbyshire Dales
Aug 20262.9%
Jul 20262.7%
Jun 20262.8%
May 20262.8%
Apr 20262.9%
Mar 20262.8%
Feb 20262.8%
Jan 20262.7%
Dec 20252.7%
Nov 20252.6%
Oct 20252.6%
Sep 20252.5%
Aug 20252.6%
Jul 20252.7%
Jun 20252.9%
May 20252.8%
Apr 20252.8%
Mar 20252.7%
Feb 20252.7%
Jan 20252.8%
Dec 20242.7%
Nov 20242.7%
Oct 20242.7%
Sep 20242.8%
Aug 20242.8%
Jul 20242.8%
Jun 20242.9%
May 20242.9%
Apr 20242.9%
Mar 20242.9%
Feb 20242.8%
Jan 20242.7%
Dec 20232.7%
Nov 20232.6%
Oct 20232.6%
Sep 20232.6%
Aug 20232.7%
Jul 20232.6%
Jun 20232.6%
May 20232.6%
Apr 20232.6%
Mar 20232.6%
Feb 20232.6%
Jan 20232.6%
Dec 20222.6%
Nov 20222.6%
Oct 20222.6%
Sep 20222.6%
Aug 20222.7%
Jul 20222.7%
Jun 20222.8%
May 20222.8%
Apr 20222.8%
Mar 20222.8%
Feb 20222.8%
Jan 20222.8%
Dec 20212.8%
Nov 20212.7%
Oct 20212.8%
Sep 20212.8%
Aug 20212.8%
Jul 20212.8%
Jun 20212.8%
May 20212.8%
Apr 20212.8%
Mar 20212.8%
Feb 20212.8%
Jan 20212.7%
Dec 20202.7%
Nov 20202.8%
Oct 20202.9%
Sep 20202.8%
Aug 20202.8%
Jul 20202.9%
Jun 20203.0%
May 20203.0%
Apr 20202.9%
Mar 20202.9%
Feb 20202.9%
Jan 20203.0%
Dec 20193.0%
Nov 20193.0%
Oct 20192.9%
Sep 20192.9%
Aug 20193.0%
Jul 20192.9%
Jun 20192.9%
May 20192.8%
Apr 20192.7%
Mar 20192.7%
Feb 20192.9%
Jan 20192.9%
Dec 20183.0%
Nov 20182.8%
Oct 20182.8%
Sep 20182.9%
Aug 20182.9%
Jul 20182.8%
Jun 20182.9%
May 20183.0%
Apr 20183.0%
Mar 20183.0%
Feb 20183.0%
Jan 20183.1%
Dec 20173.0%
Nov 20172.9%
Oct 20172.9%
Sep 20173.0%
Aug 20173.1%
Jul 20173.0%
Jun 20173.0%
May 20173.0%
Apr 20173.1%
Mar 20173.2%
Feb 20173.1%
Jan 20173.1%
Dec 20163.1%
Nov 20163.1%
Oct 20163.1%
Sep 20163.0%
Aug 20163.0%
Jul 20163.1%
Jun 20163.1%
May 20163.1%
Apr 20163.1%
Mar 20163.0%
Feb 20163.0%
Jan 20163.0%
Dec 20153.1%
Nov 20153.1%
Oct 20153.0%
Sep 20153.0%
Aug 20153.0%
Jul 20153.1%
Jun 20153.2%
May 20153.2%
Apr 20153.2%
Mar 20153.2%
Feb 20153.1%
Jan 20153.1%

The comparison counts only the costs of owning you never get back: interest, running costs and what the deposit and purchase costs could earn elsewhere. Loan repayments build equity, so they are left out. So is any rise in the home's value, because nobody knows it in advance. Rents here are ONS's average of all private tenancies, new and continuing, which runs below what a new tenant pays; Scotland's are mostly advertised new lets, and its councils and Northern Ireland's take their nation's figure.

Other reports for Derbyshire Dales

Next 12 months

Sale prices have an 80% chance of landing between £307,778 and £397,758 by August 2027.

Expected, August 2027
£352,768
Chance of a rise
62%

Affordability

At the average sale price, a home costs £341,776. With 10% down and a 30-year mortgage, the payment is £1,577 a month. The UK sets no cap on the payment; no more than 15% of new mortgages may lend over 4.5 times income.

Payment, two incomes
22%
Payment, one income
44%

New homes

4.9% fewer homes were started in the last 12 months than in an average year of the past decade.

Started, 12 months
170
Per 1,000 residents
2.4

Foreign buyers

Figures for United Kingdom: Derbyshire Dales has no reliable figures of its own.

Buyers living abroad bought 1.8% of the homes sold here in the four quarters to Q1 2025.

Bought by buyers abroad, 12 months
1.8%

Past cycles

Sale prices have fallen by 3% or more 21 times since 1995. The deepest began in September 2007.

Deepest fall
−20.1%
Recovery from the low
64 months

People and new homes

In 2025 the population grew by 234 while 60 homes were finished: 3.9 new residents for every new home.

New residents per new home, 2025
3.9
Population change, 2025
+234

Empty homes

7.3% of the 35,450 homes counted in the 2021 census had nobody usually living in them.

Empty, 2021 census
7.3%
Empty homes
2,585

Renovation

In 2025, 35% of the homes added came from existing buildings rather than new ones.

Homes from existing buildings, 2025
35%