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North Ayrshire · report

Past price cycles in North Ayrshire

Sale prices have fallen by 3% or more 8 times since 2004. The deepest began in November 2007.

Deepest fall
−27.0%
Recovery from the low
101 months

Prices in North Ayrshire and the UK, indexed

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

  • North Ayrshire
  • United Kingdom
  • 100 = January 2004
Show the numbers
PeriodNorth AyrshireUnited Kingdom
Aug 2026241.0216.4
Jul 2026245.0215.7
Jun 2026241.7214.5
May 2026236.8215.7
Apr 2026228.8214.7
Mar 2026225.0212.9
Feb 2026227.1213.5
Jan 2026231.4213.0
Dec 2025235.0212.4
Nov 2025235.3214.4
Oct 2025231.8213.8
Sep 2025228.5213.6
Aug 2025229.9214.4
Jul 2025234.0213.1
Jun 2025237.7211.4
May 2025222.4209.3
Apr 2025213.1206.2
Mar 2025211.9212.4
Feb 2025222.0209.8
Jan 2025220.4210.0
Dec 2024214.5209.2
Nov 2024215.6209.6
Oct 2024220.2210.2
Sep 2024223.7209.8
Aug 2024219.3210.1
Jul 2024220.7208.0
Jun 2024214.1205.7
May 2024215.2204.9
Apr 2024205.0203.3
Mar 2024208.5202.2
Feb 2024205.8201.8
Jan 2024209.2202.9
Dec 2023212.0203.0
Nov 2023213.3204.8
Oct 2023215.2206.2
Sep 2023211.0207.1
Aug 2023209.7208.1
Jul 2023208.3207.0
Jun 2023205.5204.7
May 2023203.9203.9
Apr 2023199.2203.3
Mar 2023202.5202.8
Feb 2023203.8205.1
Jan 2023212.8206.8
Dec 2022213.1208.6
Nov 2022217.3210.3
Oct 2022217.0210.6
Sep 2022221.7210.6
Aug 2022218.5210.1
Jul 2022219.5208.4
Jun 2022210.7204.6
May 2022209.1202.1
Apr 2022198.7199.8
Mar 2022199.4197.5
Feb 2022203.5196.8
Jan 2022208.6196.6
Dec 2021210.9194.3
Nov 2021204.1193.3
Oct 2021199.9189.6
Sep 2021198.3194.5
Aug 2021197.9188.9
Jul 2021193.3183.4
Jun 2021184.5192.4
May 2021182.5182.7
Apr 2021181.2181.5
Mar 2021185.1184.2
Feb 2021181.2181.5
Jan 2021184.6181.0
Dec 2020184.6181.0
Nov 2020185.1179.6
Oct 2020179.3177.8
Sep 2020174.9176.3
Aug 2020173.4174.5
Jul 2020175.9172.8
Jun 2020171.1171.4
May 2020167.0169.0
Apr 2020163.1168.1
Mar 2020167.7169.9
Feb 2020168.1168.4
Jan 2020167.6169.3
Dec 2019165.6169.2
Nov 2019171.5169.4
Oct 2019174.4170.0
Sep 2019176.9170.5
Aug 2019175.7170.4
Jul 2019176.0169.8
Jun 2019178.4167.9
May 2019178.6167.2
Apr 2019175.1167.0
Mar 2019173.2165.8
Feb 2019169.2166.3
Jan 2019171.7166.7
Dec 2018170.8167.7
Nov 2018172.6168.1
Oct 2018172.7168.8
Sep 2018170.9169.0
Aug 2018173.2169.3
Jul 2018174.5168.8
Jun 2018172.5166.7
May 2018166.7165.6
Apr 2018161.4164.9
Mar 2018162.4163.4
Feb 2018163.2164.4
Jan 2018164.3163.9
Dec 2017164.8164.5
Nov 2017166.6163.9
Oct 2017167.8164.3
Sep 2017170.0164.2
Aug 2017170.8164.8
Jul 2017166.6164.1
Jun 2017163.1162.0
May 2017158.1160.6
Apr 2017155.4159.6
Mar 2017153.5157.1
Feb 2017153.3157.5
Jan 2017155.5157.1
Dec 2016157.1157.3
Nov 2016156.5157.0
Oct 2016159.2156.3
Sep 2016161.6156.8
Aug 2016163.5157.1
Jul 2016161.1157.1
Jun 2016158.0155.4
May 2016154.8153.9
Apr 2016156.0152.2
Mar 2016155.8151.6
Feb 2016160.4150.1
Jan 2016161.6150.0
Dec 2015163.9149.6
Nov 2015164.9149.1
Oct 2015166.6148.0
Sep 2015166.5147.8
Aug 2015166.3147.5
Jul 2015161.8146.1
Jun 2015161.2143.7
May 2015157.2142.6
Apr 2015158.6141.1
Mar 2015158.7139.8
Feb 2015158.5139.3
Jan 2015159.1139.2
Dec 2014159.5139.9
Nov 2014159.6139.6
Oct 2014161.7140.1
Sep 2014160.7140.3
Aug 2014161.8140.1
Jul 2014158.5138.5
Jun 2014156.1136.6
May 2014156.1135.4
Apr 2014152.8134.0
Mar 2014148.5131.1
Feb 2014146.7130.6
Jan 2014149.2130.1
Dec 2013154.7129.9
Nov 2013153.2128.7
Oct 2013153.1128.0
Sep 2013150.2128.6
Aug 2013153.2128.5
Jul 2013152.9127.5
Jun 2013151.7126.0
May 2013147.6125.0
Apr 2013144.9124.4
Mar 2013142.4123.1
Feb 2013144.9122.4
Jan 2013144.6122.4
Dec 2012146.4123.3
Nov 2012143.7123.5
Oct 2012147.4123.4
Sep 2012148.2124.3
Aug 2012151.6124.8
Jul 2012150.0124.6
Jun 2012150.1124.1
May 2012151.6122.9
Apr 2012149.8122.5
Mar 2012149.1121.2
Feb 2012149.8120.8
Jan 2012155.3121.1
Dec 2011161.0122.0
Nov 2011162.6122.5
Oct 2011164.5122.4
Sep 2011167.2123.8
Aug 2011165.0124.1
Jul 2011166.0124.0
Jun 2011162.1122.5
May 2011162.5122.3
Apr 2011157.8122.8
Mar 2011153.6120.9
Feb 2011156.6121.5
Jan 2011160.4122.1
Dec 2010167.8123.2
Nov 2010166.3123.4
Oct 2010164.5124.9
Sep 2010165.1126.3
Aug 2010169.2126.6
Jul 2010173.7126.6
Jun 2010173.9125.3
May 2010170.1124.7
Apr 2010169.8124.1
Mar 2010166.2122.6
Feb 2010168.8122.6
Jan 2010168.5122.3
Dec 2009172.8122.7
Nov 2009171.8121.9
Oct 2009170.3121.5
Sep 2009168.1120.7
Aug 2009170.8119.7
Jul 2009171.1118.6
Jun 2009168.9116.5
May 2009168.6115.4
Apr 2009168.1113.8
Mar 2009169.3112.8
Feb 2009165.1113.5
Jan 2009160.7114.8
Dec 2008164.0117.5
Nov 2008170.2119.3
Oct 2008174.8122.8
Sep 2008178.0125.3
Aug 2008176.7128.6
Jul 2008184.9131.3
Jun 2008182.7132.7
May 2008182.5134.5
Apr 2008175.7133.7
Mar 2008175.6133.5
Feb 2008174.7134.5
Jan 2008181.5135.6
Dec 2007189.7138.1
Nov 2007195.0138.3
Oct 2007192.8138.4
Sep 2007188.2138.7
Aug 2007187.8138.6
Jul 2007186.0137.8
Jun 2007183.6136.0
May 2007179.1134.6
Apr 2007170.1133.0
Mar 2007170.0130.4
Feb 2007165.8129.4
Jan 2007168.1129.0
Dec 2006161.5129.1
Nov 2006162.4127.5
Oct 2006161.4126.8
Sep 2006157.7126.1
Aug 2006152.0125.6
Jul 2006150.1124.6
Jun 2006152.0122.8
May 2006150.7121.6
Apr 2006144.6120.5
Mar 2006138.9117.9
Feb 2006137.7117.0
Jan 2006143.2116.8
Dec 2005144.4117.0
Nov 2005140.8116.3
Oct 2005137.8116.0
Sep 2005141.3116.2
Aug 2005142.5116.4
Jul 2005140.6115.9
Jun 2005132.5114.4
May 2005128.5113.5
Apr 2005126.0112.3
Mar 2005122.2110.8
Feb 2005122.2109.9
Jan 2005117.9110.0
Dec 2004116.0110.0
Nov 2004113.7110.9
Oct 2004117.6111.0
Sep 2004123.9110.2
Aug 2004123.0110.4
Jul 2004114.7109.2
Jun 2004107.5106.9
May 2004102.4105.0
Apr 2004102.7103.8
Mar 2004100.699.3
Feb 2004101.699.0
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
September 2004November 2004−8.2%25
August 2005October 2005−3.3%22
December 2005February 2006−4.6%22
November 2007March 2013−27.0%64101
December 2021April 2022−5.8%43
September 2022April 2023−10.2%717
September 2024March 2025−5.3%63
June 2025March 2026−5.3%93

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 North Ayrshire

Next 12 months

Sale prices have an 80% chance of landing between £135,115 and £176,091 by August 2027.

Expected, August 2027
£155,603
Chance of a rise
83%

Affordability

At the average sale price, a home costs £140,577. With 10% down and a 30-year mortgage, the payment is £649 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
10%
Payment, one income
19%

Buy or rent

Figures for Scotland: North Ayrshire 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

9.4% more homes were started in the last 12 months than in an average year of the past decade.

Started, 12 months
454
Per 1,000 residents
3.4

Foreign buyers

Figures for United Kingdom: North Ayrshire 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 185 while 442 homes were finished.

Homes finished, 2025
442
Population change, 2025
−185

Renovation

In 2026, 0% of the homes added came from existing buildings rather than new ones.

Homes from existing buildings, 2026
0%