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Mortgages · Boston

Mortgages in Boston. The typical home needs £18,017 down.

The average home in Boston is £180,174 in the UK House Price Index for August 2026, down 1.1% on a year earlier. With a 10% deposit of £18,017, you would borrow £162,157.

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Mortgages in Boston: a Homie illustration
  • £180,174average home, UK HPI
  • £18,01710% deposit
  • £36,035household income at 4.5× the loan
  • £0stamp duty for a first-time buyer
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The short answer

Mortgages in Boston, in 30 seconds

The price
The average home in Boston is £180,174.
The deposit
10% is £18,017. 5% deposit mortgages exist, but the rates are higher.
The income
Many lenders cap borrowing at around 4.5 times income, so a £162,157 loan needs roughly £36,035 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

Boston house prices since 2016

From £142,717 to £180,174. Up 7.6% over five years.

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

Nearby

How Boston compares with its neighbours

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

FAQ

Mortgages in Boston: your questions

How much deposit do I need to buy in Boston?

At the average price of £180,174, a 10% deposit is £18,017 and 5% is £9,009. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Boston?

With 10% down on the average home, the loan is £162,157. At 4.5 times income that means around £36,035 a year. Each lender sets its own limits, so treat this as a starting point.

Have Boston house prices gone up?

Over five years the average home is up 7.6%, and over the last year it is down 1.1%.

How do Boston house prices compare with nearby towns?

The average home in Boston is £180,174. It costs more in Grantham (£265,305) and Gainsborough (£210,754). It costs less in Grimsby (£146,370).

The rest of your move

Everything else for Boston

Mortgages nearby

Ready when you are, Boston.

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

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