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Mortgages · Blackburn

Mortgages in Blackburn. The typical home needs £16,073 down.

The average home in Blackburn (the Blackburn with Darwen area) is £160,727 in the UK House Price Index for August 2026, down 0.2% on a year earlier. With a 10% deposit of £16,073, you would borrow £144,654.

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Mortgages in Blackburn: a Homie illustration
  • £160,727average home, UK HPI
  • £16,07310% deposit
  • £32,145household income at 4.5× the loan
  • £0stamp duty for a first-time buyer
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The short answer

Mortgages in Blackburn, in 30 seconds

The price
The average home in Blackburn is £160,727.
The deposit
10% is £16,073. 5% deposit mortgages exist, but the rates are higher.
The income
Many lenders cap borrowing at around 4.5 times income, so a £144,654 loan needs roughly £32,145 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

Blackburn house prices since 2016

From £105,773 to £160,727. Up 24.9% over five years.

2016 2019 2022 2025 2026
Average price each year to August 2026, Blackburn with Darwen.

Nearby

How Blackburn compares with its neighbours

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

FAQ

Mortgages in Blackburn: your questions

How much deposit do I need to buy in Blackburn?

At the average price of £160,727, a 10% deposit is £16,073 and 5% is £8,036. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Blackburn?

With 10% down on the average home, the loan is £144,654. At 4.5 times income that means around £32,145 a year. Each lender sets its own limits, so treat this as a starting point.

Have Blackburn house prices gone up?

Over five years the average home is up 24.9%, and over the last year it is down 0.2%.

How do Blackburn house prices compare with nearby towns?

The average home in Blackburn is £160,727. It costs more in Chorley (£216,624) and Lancaster (£203,781). It costs less in Blackpool (£138,065) and Burnley (£136,703).

The rest of your move

Everything else for Blackburn

Mortgages nearby

Ready when you are, Blackburn.

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

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