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Inverclyde · report

Past price cycles in Inverclyde

Sale prices have fallen by 3% or more 10 times since 2004. The deepest began in August 2007.

Deepest fall
−26.6%
Recovery from the low
25 months

Prices in Inverclyde and the UK, indexed

Average sale prices, both set to 100 in January 2004.

  • Inverclyde
  • United Kingdom
  • 100 = January 2004
Show the numbers
PeriodInverclydeUnited Kingdom
Aug 2026183.2216.4
Jul 2026183.1215.7
Jun 2026176.2214.5
May 2026173.2215.7
Apr 2026171.8214.7
Mar 2026172.5212.9
Feb 2026178.8213.5
Jan 2026180.2213.0
Dec 2025175.8212.4
Nov 2025171.3214.4
Oct 2025180.9213.8
Sep 2025184.9213.6
Aug 2025187.0214.4
Jul 2025175.1213.1
Jun 2025173.2211.4
May 2025168.6209.3
Apr 2025164.8206.2
Mar 2025162.2212.4
Feb 2025168.1209.8
Jan 2025177.2210.0
Dec 2024177.1209.2
Nov 2024173.8209.6
Oct 2024171.4210.2
Sep 2024174.0209.8
Aug 2024177.3210.1
Jul 2024175.4208.0
Jun 2024167.6205.7
May 2024161.6204.9
Apr 2024162.9203.3
Mar 2024168.4202.2
Feb 2024166.9201.8
Jan 2024165.5202.9
Dec 2023161.9203.0
Nov 2023166.7204.8
Oct 2023166.9206.2
Sep 2023168.9207.1
Aug 2023167.0208.1
Jul 2023165.5207.0
Jun 2023166.4204.7
May 2023159.7203.9
Apr 2023148.3203.3
Mar 2023144.9202.8
Feb 2023148.3205.1
Jan 2023159.3206.8
Dec 2022161.1208.6
Nov 2022163.4210.3
Oct 2022166.7210.6
Sep 2022168.5210.6
Aug 2022167.5210.1
Jul 2022160.8208.4
Jun 2022151.6204.6
May 2022142.5202.1
Apr 2022138.8199.8
Mar 2022147.6197.5
Feb 2022156.3196.8
Jan 2022160.0196.6
Dec 2021158.9194.3
Nov 2021159.2193.3
Oct 2021157.5189.6
Sep 2021154.3194.5
Aug 2021154.4188.9
Jul 2021157.3183.4
Jun 2021150.7192.4
May 2021150.5182.7
Apr 2021143.2181.5
Mar 2021148.1184.2
Feb 2021140.4181.5
Jan 2021144.0181.0
Dec 2020142.4181.0
Nov 2020147.6179.6
Oct 2020136.1177.8
Sep 2020128.0176.3
Aug 2020124.1174.5
Jul 2020122.6172.8
Jun 2020127.8171.4
May 2020123.5169.0
Apr 2020127.8168.1
Mar 2020126.4169.9
Feb 2020129.0168.4
Jan 2020135.7169.3
Dec 2019130.7169.2
Nov 2019132.7169.4
Oct 2019131.4170.0
Sep 2019139.4170.5
Aug 2019141.2170.4
Jul 2019141.5169.8
Jun 2019140.7167.9
May 2019134.1167.2
Apr 2019134.2167.0
Mar 2019133.1165.8
Feb 2019131.0166.3
Jan 2019127.6166.7
Dec 2018124.1167.7
Nov 2018130.9168.1
Oct 2018136.6168.8
Sep 2018142.1169.0
Aug 2018146.0169.3
Jul 2018143.5168.8
Jun 2018141.2166.7
May 2018135.3165.6
Apr 2018128.5164.9
Mar 2018128.6163.4
Feb 2018124.0164.4
Jan 2018129.6163.9
Dec 2017127.7164.5
Nov 2017131.1163.9
Oct 2017129.1164.3
Sep 2017135.5164.2
Aug 2017135.9164.8
Jul 2017138.0164.1
Jun 2017135.9162.0
May 2017140.5160.6
Apr 2017135.9159.6
Mar 2017131.7157.1
Feb 2017127.6157.5
Jan 2017128.3157.1
Dec 2016124.7157.3
Nov 2016124.6157.0
Oct 2016131.3156.3
Sep 2016138.8156.8
Aug 2016141.6157.1
Jul 2016137.6157.1
Jun 2016136.1155.4
May 2016135.4153.9
Apr 2016135.0152.2
Mar 2016136.7151.6
Feb 2016135.7150.1
Jan 2016137.1150.0
Dec 2015136.4149.6
Nov 2015137.4149.1
Oct 2015136.9148.0
Sep 2015136.4147.8
Aug 2015131.4147.5
Jul 2015133.4146.1
Jun 2015132.6143.7
May 2015136.0142.6
Apr 2015131.0141.1
Mar 2015127.3139.8
Feb 2015126.3139.3
Jan 2015127.2139.2
Dec 2014129.0139.9
Nov 2014127.9139.6
Oct 2014129.2140.1
Sep 2014130.3140.3
Aug 2014134.1140.1
Jul 2014133.2138.5
Jun 2014130.5136.6
May 2014128.2135.4
Apr 2014126.5134.0
Mar 2014127.4131.1
Feb 2014127.4130.6
Jan 2014128.9130.1
Dec 2013127.8129.9
Nov 2013126.5128.7
Oct 2013126.7128.0
Sep 2013126.3128.6
Aug 2013128.3128.5
Jul 2013131.3127.5
Jun 2013130.9126.0
May 2013130.7125.0
Apr 2013125.6124.4
Mar 2013126.0123.1
Feb 2013124.9122.4
Jan 2013126.9122.4
Dec 2012130.5123.3
Nov 2012132.0123.5
Oct 2012133.5123.4
Sep 2012134.5124.3
Aug 2012137.0124.8
Jul 2012132.6124.6
Jun 2012131.8124.1
May 2012131.5122.9
Apr 2012131.7122.5
Mar 2012131.9121.2
Feb 2012132.7120.8
Jan 2012139.3121.1
Dec 2011139.7122.0
Nov 2011141.4122.5
Oct 2011143.7122.4
Sep 2011145.4123.8
Aug 2011143.5124.1
Jul 2011139.8124.0
Jun 2011139.6122.5
May 2011139.3122.3
Apr 2011137.6122.8
Mar 2011135.9120.9
Feb 2011133.6121.5
Jan 2011135.0122.1
Dec 2010143.0123.2
Nov 2010142.4123.4
Oct 2010146.5124.9
Sep 2010142.6126.3
Aug 2010150.8126.6
Jul 2010151.2126.6
Jun 2010151.4125.3
May 2010143.6124.7
Apr 2010136.9124.1
Mar 2010131.3122.6
Feb 2010134.9122.6
Jan 2010140.6122.3
Dec 2009145.0122.7
Nov 2009140.0121.9
Oct 2009134.5121.5
Sep 2009130.4120.7
Aug 2009134.6119.7
Jul 2009139.5118.6
Jun 2009143.3116.5
May 2009139.1115.4
Apr 2009135.6113.8
Mar 2009123.6112.8
Feb 2009124.7113.5
Jan 2009131.1114.8
Dec 2008143.5117.5
Nov 2008145.8119.3
Oct 2008147.4122.8
Sep 2008151.3125.3
Aug 2008158.5128.6
Jul 2008163.5131.3
Jun 2008166.7132.7
May 2008162.3134.5
Apr 2008151.9133.7
Mar 2008148.5133.5
Feb 2008147.4134.5
Jan 2008152.6135.6
Dec 2007147.1138.1
Nov 2007145.5138.3
Oct 2007145.6138.4
Sep 2007157.4138.7
Aug 2007166.9138.6
Jul 2007162.0137.8
Jun 2007151.3136.0
May 2007140.8134.6
Apr 2007130.4133.0
Mar 2007126.2130.4
Feb 2007127.2129.4
Jan 2007136.0129.0
Dec 2006135.9129.1
Nov 2006134.9127.5
Oct 2006139.1126.8
Sep 2006143.1126.1
Aug 2006144.0125.6
Jul 2006138.4124.6
Jun 2006131.8122.8
May 2006127.2121.6
Apr 2006123.8120.5
Mar 2006122.6117.9
Feb 2006124.9117.0
Jan 2006128.1116.8
Dec 2005128.1117.0
Nov 2005121.9116.3
Oct 2005115.2116.0
Sep 2005116.9116.2
Aug 2005114.0116.4
Jul 2005116.5115.9
Jun 2005115.5114.4
May 2005120.4113.5
Apr 2005119.4112.3
Mar 2005118.2110.8
Feb 2005114.0109.9
Jan 2005112.6110.0
Dec 2004110.5110.0
Nov 2004112.1110.9
Oct 2004115.9111.0
Sep 2004113.2110.2
Aug 2004111.5110.4
Jul 2004103.1109.2
Jun 200493.7106.9
May 200491.4105.0
Apr 200484.5103.8
Mar 200492.399.3
Feb 200489.299.0
Jan 2004100.0100.0

Every fall of 3% or more

From the peak to the lowest month after it, and how long prices took to get back.

PeakLowFallMonths fallingMonths to recover
January 2004April 2004−15.5%33
October 2004December 2004−4.6%23
May 2005August 2005−5.4%33
January 2006March 2006−4.4%23
August 2006March 2007−12.4%73
August 2007July 2020−26.6%15525
September 2022March 2023−14.0%66
September 2023May 2024−4.3%82
August 2024March 2025−8.5%75
August 2025November 2025−8.4%3Not yet

The UK House Price Index goes back to 1968 for the UK, its nations and England's regions, to 1995 for councils in England and Wales, to 2004 in Scotland and to 2005 in Northern Ireland, where it is quarterly. A fall counts once prices drop 3% below a peak, and ends when they are back at it.

Other reports for Inverclyde

Next 12 months

Sale prices have an 80% chance of landing between £100,842 and £138,688 by August 2027.

Expected, August 2027
£119,765
Chance of a rise
64%

Affordability

At the average sale price, a home costs £114,526. With 10% down and a 30-year mortgage, the payment is £528 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
9%
Payment, one income
17%

Buy or rent

Figures for Scotland: Inverclyde 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

New homes

76.9% fewer homes were started in the last 12 months than in an average year of the past decade.

Started, 12 months
42
Per 1,000 residents
0.5

Foreign buyers

Figures for United Kingdom: Inverclyde 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%

People and new homes

In 2025 the population fell by 201 while 43 homes were finished.

Homes finished, 2025
43
Population change, 2025
−201

Renovation

In 2026, 10% of the homes added came from existing buildings rather than new ones.

Homes from existing buildings, 2026
10%