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Mortgages · Bicester

Mortgages in Bicester. The typical home needs £35,598 down.

The average home in Bicester (the Cherwell area) is £355,981 in the UK House Price Index for August 2026, up 2.6% on a year earlier. With a 10% deposit of £35,598, you would borrow £320,383.

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Mortgages in Bicester: a Homie illustration
  • £355,981average home, UK HPI
  • £35,59810% deposit
  • £71,196household income at 4.5× the loan
  • £2,799stamp duty for a first-time buyer
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The short answer

Mortgages in Bicester, in 30 seconds

The price
The average home in Bicester is £355,981.
The deposit
10% is £35,598. 5% deposit mortgages exist, but the rates are higher.
The income
Many lenders cap borrowing at around 4.5 times income, so a £320,383 loan needs roughly £71,196 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

Bicester house prices since 2016

From £292,585 to £355,981. Up 14.1% over five years.

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

Nearby

How Bicester compares with its neighbours

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

FAQ

Mortgages in Bicester: your questions

How much deposit do I need to buy in Bicester?

At the average price of £355,981, a 10% deposit is £35,598 and 5% is £17,799. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Bicester?

With 10% down on the average home, the loan is £320,383. At 4.5 times income that means around £71,196 a year. Each lender sets its own limits, so treat this as a starting point.

Have Bicester house prices gone up?

Over five years the average home is up 14.1%, and over the last year it is up 2.6%.

How do Bicester house prices compare with nearby towns?

The average home in Bicester is £355,981. It costs more in Oxford (£478,080) and Didcot (£471,427).

The rest of your move

Everything else for Bicester

Mortgages nearby

Ready when you are, Bicester.

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

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