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Mortgages · Cheltenham

Mortgages in Cheltenham. The typical home needs £32,818 down.

The average home in Cheltenham is £328,178 in the UK House Price Index for August 2026, up 0.9% on a year earlier. With a 10% deposit of £32,818, you would borrow £295,360.

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Mortgages in Cheltenham: a mortgage adviser Homie with a key and a clipboard by a sold sign
  • £328,178average home, UK HPI
  • £32,81810% deposit
  • £65,636household income at 4.5× the loan
  • £1,409stamp duty for a first-time buyer
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The short answer

Mortgages in Cheltenham, in 30 seconds

The price
The average home in Cheltenham is £328,178.
The deposit
10% is £32,818. 5% deposit mortgages exist, but the rates are higher.
The income
Many lenders cap borrowing at around 4.5 times income, so a £295,360 loan needs roughly £65,636 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

Cheltenham house prices since 2016

From £239,411 to £328,178. Up 13.2% over five years.

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

Nearby

How Cheltenham compares with its neighbours

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

FAQ

Mortgages in Cheltenham: your questions

How much deposit do I need to buy in Cheltenham?

At the average price of £328,178, a 10% deposit is £32,818 and 5% is £16,409. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Cheltenham?

With 10% down on the average home, the loan is £295,360. At 4.5 times income that means around £65,636 a year. Each lender sets its own limits, so treat this as a starting point.

Have Cheltenham house prices gone up?

Over five years the average home is up 13.2%, and over the last year it is up 0.9%.

How do Cheltenham house prices compare with nearby towns?

The average home in Cheltenham is £328,178. It costs more in Stroud (£353,416). It costs less in Gloucester (£237,705).

The rest of your move

Everything else for Cheltenham

Mortgages nearby

Ready when you are, Cheltenham.

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

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