Mortgages · Basildon

Mortgages in Basildon. The typical home needs £36,622 down.

The average home in Basildon is £366,218 in the UK House Price Index for August 2026, up 0.4% on a year earlier. With a 10% deposit of £36,622, you would borrow £329,596.

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Mortgages in Basildon: a Homie illustration

£366,218average home, UK HPI
£36,62210% deposit
£73,244household income at 4.5× the loan
£3,311stamp duty for a first-time buyer

The short answer

Mortgages in Basildon, in 30 seconds

The price: The average home in Basildon is £366,218.
The deposit: 10% is £36,622. 5% deposit mortgages exist, but the rates are higher.
The income: Many lenders cap borrowing at around 4.5 times income, so a £329,596 loan needs roughly £73,244 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

Basildon house prices since 2016

From £279,731 to £366,218. Up 11.7% over five years.

Average price each year to August 2026, Basildon.

Nearby

How Basildon compares with its neighbours

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

Brentwood £522,672+10.8%
Chelmsford £376,682+10.1%
Basildon £366,218+11.7%
Braintree £330,089+12.1%
Colchester £294,210+7.1%
Clacton-on-Sea £260,636+6.3%

FAQ

Mortgages in Basildon: your questions

How much deposit do I need to buy in Basildon?

At the average price of £366,218, a 10% deposit is £36,622 and 5% is £18,311. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Basildon?

With 10% down on the average home, the loan is £329,596. At 4.5 times income that means around £73,244 a year. Each lender sets its own limits, so treat this as a starting point.

Have Basildon house prices gone up?

Over five years the average home is up 11.7%, and over the last year it is up 0.4%.

How do Basildon house prices compare with nearby towns?

The average home in Basildon is £366,218. It costs more in Brentwood (£522,672) and Chelmsford (£376,682). It costs less in Colchester (£294,210) and Clacton-on-Sea (£260,636).

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