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Spelthorne · report

Buy or rent in Spelthorne

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
£1,726
Owning per month
£2,075

Try your own numbers

Starting from the average sale price of £440,812 and the average private rent of £1,726 a month in Spelthorne, 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
£1,726
Owning a month, not recovered
£2,075
Interest
£1,521
Running costs
£367
Return given up
£187
Cash out a month, if buying
£2,401

Gross rental yield in Spelthorne

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
PeriodSpelthorne
Aug 20264.6%
Jul 20264.6%
Jun 20264.6%
May 20264.6%
Apr 20264.6%
Mar 20264.5%
Feb 20264.5%
Jan 20264.5%
Dec 20254.4%
Nov 20254.4%
Oct 20254.4%
Sep 20254.4%
Aug 20254.3%
Jul 20254.3%
Jun 20254.3%
May 20254.3%
Apr 20254.4%
Mar 20254.4%
Feb 20254.4%
Jan 20254.3%
Dec 20244.4%
Nov 20244.4%
Oct 20244.3%
Sep 20244.3%
Aug 20244.2%
Jul 20244.4%
Jun 20244.3%
May 20244.4%
Apr 20244.3%
Mar 20244.2%
Feb 20244.1%
Jan 20244.1%
Dec 20234.1%
Nov 20234.0%
Oct 20233.9%
Sep 20234.0%
Aug 20233.9%
Jul 20233.9%
Jun 20233.9%
May 20233.9%
Apr 20233.8%
Mar 20233.8%
Feb 20233.7%
Jan 20233.7%
Dec 20223.8%
Nov 20223.7%
Oct 20223.8%
Sep 20223.8%
Aug 20223.8%
Jul 20223.9%
Jun 20223.9%
May 20223.9%
Apr 20223.9%
Mar 20224.0%
Feb 20224.0%
Jan 20224.0%
Dec 20214.0%
Nov 20214.0%
Oct 20214.1%
Sep 20214.4%
Aug 20214.4%
Jul 20214.3%
Jun 20214.0%
May 20214.0%
Apr 20214.0%
Mar 20214.0%
Feb 20214.0%
Jan 20213.9%
Dec 20204.0%
Nov 20204.0%
Oct 20204.1%
Sep 20204.1%
Aug 20204.1%
Jul 20204.0%
Jun 20204.0%
May 20204.1%
Apr 20204.1%
Mar 20204.0%
Feb 20204.0%
Jan 20204.0%
Dec 20194.0%
Nov 20194.0%
Oct 20193.9%
Sep 20193.9%
Aug 20194.0%
Jul 20194.0%
Jun 20194.1%
May 20194.1%
Apr 20194.0%
Mar 20194.0%
Feb 20193.9%
Jan 20193.9%
Dec 20183.9%
Nov 20183.9%
Oct 20183.9%
Sep 20183.9%
Aug 20183.9%
Jul 20183.9%
Jun 20183.9%
May 20184.0%
Apr 20184.0%
Mar 20183.9%
Feb 20183.9%
Jan 20183.9%
Dec 20174.0%
Nov 20173.9%
Oct 20174.0%
Sep 20174.0%
Aug 20174.0%
Jul 20173.9%
Jun 20173.9%
May 20173.9%
Apr 20173.9%
Mar 20173.9%
Feb 20174.0%
Jan 20174.0%
Dec 20164.0%
Nov 20164.0%
Oct 20164.0%
Sep 20164.0%
Aug 20163.9%
Jul 20164.0%
Jun 20164.0%
May 20164.0%
Apr 20164.0%
Mar 20164.1%
Feb 20164.1%
Jan 20164.1%
Dec 20154.2%
Nov 20154.2%
Oct 20154.2%
Sep 20154.2%
Aug 20154.3%
Jul 20154.3%
Jun 20154.3%
May 20154.3%
Apr 20154.3%
Mar 20154.3%
Feb 20154.2%
Jan 20154.3%

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 Spelthorne

Sale prices have an 80% chance of landing between £419,890 and £485,192 by August 2027.

Expected, August 2027
£452,541
Chance of a rise
68%

At the average sale price, a home costs £440,812. With 10% down and a 30-year mortgage, the payment is £2,034 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
28%
Payment, one income
55%

41.1% fewer homes were started in the last 12 months than in an average year of the past decade.

Started, 12 months
180
Per 1,000 residents
1.7

Figures for United Kingdom: Spelthorne 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 10 times since 1995. The deepest began in January 2008.

Deepest fall
−23.2%
Recovery from the low
58 months

In 2025 the population grew by 771 while 390 homes were finished: 2.0 new residents for every new home.

New residents per new home, 2025
2.0
Population change, 2025
+771

4.2% of the 43,698 homes counted in the 2021 census had nobody usually living in them.

Empty, 2021 census
4.2%
Empty homes
1,820

In 2025, 2% of the homes added came from existing buildings rather than new ones.

Homes from existing buildings, 2025
2%