Mortgages · Bury St Edmunds

Mortgages in Bury St Edmunds. The typical home needs £29,586 down.

The average home in Bury St Edmunds (the West Suffolk area) is £295,860 in the UK House Price Index for August 2026, down 0.5% on a year earlier. With a 10% deposit of £29,586, you would borrow £266,274.

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Mortgages in Bury St Edmunds: a Homie illustration

£295,860average home, UK HPI
£29,58610% deposit
£59,172household income at 4.5× the loan
£0stamp duty for a first-time buyer

The short answer

Mortgages in Bury St Edmunds, in 30 seconds

The price: The average home in Bury St Edmunds is £295,860.
The deposit: 10% is £29,586. 5% deposit mortgages exist, but the rates are higher.
The income: Many lenders cap borrowing at around 4.5 times income, so a £266,274 loan needs roughly £59,172 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

Bury St Edmunds house prices since 2016

From £235,181 to £295,860. Up 8.3% over five years.

Average price each year to August 2026, West Suffolk.

Nearby

How Bury St Edmunds compares with its neighbours

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

Sudbury £331,207+7.6%
Stowmarket £317,979+10.8%
Bury St Edmunds £295,860+8.3%
Felixstowe £277,949+6.8%
Ipswich £226,175+7.5%

FAQ

Mortgages in Bury St Edmunds: your questions

How much deposit do I need to buy in Bury St Edmunds?

At the average price of £295,860, a 10% deposit is £29,586 and 5% is £14,793. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Bury St Edmunds?

With 10% down on the average home, the loan is £266,274. At 4.5 times income that means around £59,172 a year. Each lender sets its own limits, so treat this as a starting point.

Have Bury St Edmunds house prices gone up?

Over five years the average home is up 8.3%, and over the last year it is down 0.5%.

How do Bury St Edmunds house prices compare with nearby towns?

The average home in Bury St Edmunds is £295,860. It costs more in Sudbury (£331,207) and Stowmarket (£317,979). It costs less in Felixstowe (£277,949) and Ipswich (£226,175).

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