Dumfries and Galloway · report
Affordability in Dumfries and Galloway
At the average sale price, a home costs £171,854. With 10% down and a 30-year mortgage, the payment is £793 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
- 14%
- Payment, one income
- 27%
Try your own numbers
Starting from the average sale price of £171,854 in Dumfries and Galloway, the median pay of a full-time employee, £34,895 a year before tax (2025, Dumfries and Galloway), and a mortgage rate of 4.6% (August 2026).
The payment takes 14% of pay before tax. The UK sets no limit on it.
- Home price
- £171,854
- Monthly payment
- £793
- Share of pay before tax
- 14%
The mortgage payment as a share of income, year by year
The average home with 10% down over 30 years, at each year's average price and rate, against one and against two of that year's median full-time pay.
- Two median incomes
- One median income
Show the numbers
| Period | Two median incomes | One median income |
|---|---|---|
| 2025 | 12.6% | 25.2% |
| 2024 | 12.6% | 25.2% |
| 2023 | 13.6% | 27.1% |
| 2022 | 11.6% | 23.1% |
| 2021 | 9.7% | 19.5% |
| 2020 | 9.4% | 18.7% |
| 2019 | 10.0% | 20.0% |
| 2018 | 10.1% | 20.2% |
| 2017 | 9.5% | 19.0% |
| 2016 | 9.5% | 19.1% |
Income is the median gross annual pay of a full-time employee living in the area (ONS, Annual Survey of Hours and Earnings), before tax: one person's pay, not a household's income. Northern Ireland's councils take Northern Ireland's figure. The UK sets no limit on the payment as a share of income: no more than 15% of new mortgages may lend over 4.5 times income, and lenders test each borrower against higher rates. The Bank of England's rate on new mortgages starts in 2016, so earlier years show no payment.
Other reports for Dumfries and Galloway
Sale prices have an 80% chance of landing between £176,271 and £203,061 by August 2027.
- Expected, August 2027
- £189,666
- Chance of a rise
- 96%
Figures for Scotland: Dumfries and Galloway has no reliable figures of its own.
Owning the average home costs less each month than renting 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
- £1,011
- Owning per month
- £934
37.5% fewer homes were started in the last 12 months than in an average year of the past decade.
- Started, 12 months
- 179
- Per 1,000 residents
- 1.2
Figures for United Kingdom: Dumfries and Galloway 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%
Sale prices have fallen by 3% or more 7 times since 2004. The deepest began in July 2007.
- Deepest fall
- −20.4%
- Recovery from the low
- 80 months
In 2025 the population fell by 483 while 146 homes were finished.
- Homes finished, 2025
- 146
- Population change, 2025
- −483
In 2026, 0% of the homes added came from existing buildings rather than new ones.
- Homes from existing buildings, 2026
- 0%