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Mortgages · Barnsley

Mortgages in Barnsley. The typical home needs £17,305 down.

The average home in Barnsley is £173,053 in the UK House Price Index for August 2026, up 2% on a year earlier. With a 10% deposit of £17,305, you would borrow £155,748.

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Mortgages in Barnsley: a mortgage adviser Homie with a key and a clipboard by a sold sign
  • £173,053average home, UK HPI
  • £17,30510% deposit
  • £34,611household income at 4.5× the loan
  • £0stamp duty for a first-time buyer
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The short answer

Mortgages in Barnsley, in 30 seconds

The price
The average home in Barnsley is £173,053.
The deposit
10% is £17,305. 5% deposit mortgages exist, but the rates are higher.
The income
Many lenders cap borrowing at around 4.5 times income, so a £155,748 loan needs roughly £34,611 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

Barnsley house prices since 2016

From £108,761 to £173,053. Up 22.2% over five years.

2016 2019 2022 2025 2026
Average price each year to August 2026, Barnsley.

Nearby

How Barnsley compares with its neighbours

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

FAQ

Mortgages in Barnsley: your questions

How much deposit do I need to buy in Barnsley?

At the average price of £173,053, a 10% deposit is £17,305 and 5% is £8,653. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Barnsley?

With 10% down on the average home, the loan is £155,748. At 4.5 times income that means around £34,611 a year. Each lender sets its own limits, so treat this as a starting point.

Have Barnsley house prices gone up?

Over five years the average home is up 22.2%, and over the last year it is up 2%.

How do Barnsley house prices compare with nearby towns?

The average home in Barnsley is £173,053. It costs more in Sheffield (£217,603) and Rotherham (£191,052). It costs less in Doncaster (£172,770).

The rest of your move

Everything else for Barnsley

Mortgages nearby

Ready when you are, Barnsley.

Mortgages for your Barnsley move, tracked in the same Homemove dashboard as everything else.

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