Mortgages · Airdrie

Mortgages in Airdrie. The typical home needs £16,116 down.

The average home in Airdrie (the North Lanarkshire area) is £161,163 in the UK House Price Index for August 2026, up 3.9% on a year earlier. With a 10% deposit of £16,116, you would borrow £145,047.

Mortgages in Airdrie: a Homie illustration

£161,163average home, UK HPI
£16,11610% deposit
£32,233household income at 4.5× the loan
£0LBTT for a first-time buyer

The short answer

Mortgages in Airdrie, in 30 seconds

The price: The average home in Airdrie is £161,163.
The deposit: 10% is £16,116. 5% deposit mortgages exist, but the rates are higher.
The income: Many lenders cap borrowing at around 4.5 times income, so a £145,047 loan needs roughly £32,233 a year, alone or jointly.
The advice: A free consultation with a specialist adviser looks at deals across the market for your own numbers.

Ten years of prices

Airdrie house prices since 2016

From £103,065 to £161,163. Up 26.4% over five years.

Average price each year to August 2026, North Lanarkshire.

Nearby

How Airdrie compares with its neighbours

Average home in each council area, with the change over five years.

Hamilton £186,196+25.1%
Airdrie £161,163+26.4%

FAQ

Mortgages in Airdrie: your questions

How much deposit do I need to buy in Airdrie?

At the average price of £161,163, a 10% deposit is £16,116 and 5% is £8,058. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Airdrie?

With 10% down on the average home, the loan is £145,047. At 4.5 times income that means around £32,233 a year. Each lender sets its own limits, so treat this as a starting point.

Have Airdrie house prices gone up?

Over five years the average home is up 26.4%, and over the last year it is up 3.9%.

How do Airdrie house prices compare with nearby towns?

The average home in Airdrie is £161,163. It costs more in Hamilton (£186,196).

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