Mortgages · Barnstaple

Mortgages in Barnstaple. The typical home needs £28,044 down.

The average home in Barnstaple (the North Devon area) is £280,441 in the UK House Price Index for August 2026, down 4.2% on a year earlier. With a 10% deposit of £28,044, you would borrow £252,397.

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Mortgages in Barnstaple: a Homie illustration

£280,441average home, UK HPI
£28,04410% deposit
£56,088household income at 4.5× the loan
£0stamp duty for a first-time buyer

The short answer

Mortgages in Barnstaple, in 30 seconds

The price: The average home in Barnstaple is £280,441.
The deposit: 10% is £28,044. 5% deposit mortgages exist, but the rates are higher.
The income: Many lenders cap borrowing at around 4.5 times income, so a £252,397 loan needs roughly £56,088 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

Barnstaple house prices since 2016

From £212,782 to £280,441. Up 9.3% over five years.

Average price each year to August 2026, North Devon.

Nearby

How Barnstaple compares with its neighbours

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

Exmouth £345,256+15%
Newton Abbot £298,159+11.5%
Exeter £289,403+11.7%
Barnstaple £280,441+9.3%
Plymouth £223,229+20.7%
Paignton £221,469+3.5%

FAQ

Mortgages in Barnstaple: your questions

How much deposit do I need to buy in Barnstaple?

At the average price of £280,441, a 10% deposit is £28,044 and 5% is £14,022. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Barnstaple?

With 10% down on the average home, the loan is £252,397. At 4.5 times income that means around £56,088 a year. Each lender sets its own limits, so treat this as a starting point.

Have Barnstaple house prices gone up?

Over five years the average home is up 9.3%, and over the last year it is down 4.2%.

How do Barnstaple house prices compare with nearby towns?

The average home in Barnstaple is £280,441. It costs more in Exmouth (£345,256) and Newton Abbot (£298,159). It costs less in Plymouth (£223,229) and Paignton (£221,469).

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