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Mortgages · Cambridge

Mortgages in Cambridge. The typical home needs £47,036 down.

The average home in Cambridge is £470,360 in the UK House Price Index for August 2026, down 2.2% on a year earlier. With a 10% deposit of £47,036, you would borrow £423,324.

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Mortgages in Cambridge: a mortgage adviser Homie with a key and a clipboard by a sold sign
  • £470,360average home, UK HPI
  • £47,03610% deposit
  • £94,072household income at 4.5× the loan
  • £8,518stamp duty for a first-time buyer
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The short answer

Mortgages in Cambridge, in 30 seconds

The price
The average home in Cambridge is £470,360.
The deposit
10% is £47,036. 5% deposit mortgages exist, but the rates are higher.
The income
Many lenders cap borrowing at around 4.5 times income, so a £423,324 loan needs roughly £94,072 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

Cambridge house prices since 2016

From £442,016 to £470,360. Up 3.4% over five years.

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

Nearby

How Cambridge compares with its neighbours

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

FAQ

Mortgages in Cambridge: your questions

How much deposit do I need to buy in Cambridge?

At the average price of £470,360, a 10% deposit is £47,036 and 5% is £23,518. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Cambridge?

With 10% down on the average home, the loan is £423,324. At 4.5 times income that means around £94,072 a year. Each lender sets its own limits, so treat this as a starting point.

Have Cambridge house prices gone up?

Over five years the average home is up 3.4%, and over the last year it is down 2.2%.

How do Cambridge house prices compare with nearby towns?

The average home in Cambridge is £470,360. It costs less in St. Neots (£306,954) and Peterborough (£231,634).

The rest of your move

Everything else for Cambridge

Mortgages nearby

Ready when you are, Cambridge.

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

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