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Mortgages · Chesterfield

Mortgages in Chesterfield. The typical home needs £20,252 down.

The average home in Chesterfield is £202,519 in the UK House Price Index for August 2026, up 3% on a year earlier. With a 10% deposit of £20,252, you would borrow £182,267.

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Mortgages in Chesterfield: a Homie illustration
  • £202,519average home, UK HPI
  • £20,25210% deposit
  • £40,504household income at 4.5× the loan
  • £0stamp duty for a first-time buyer
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The short answer

Mortgages in Chesterfield, in 30 seconds

The price
The average home in Chesterfield is £202,519.
The deposit
10% is £20,252. 5% deposit mortgages exist, but the rates are higher.
The income
Many lenders cap borrowing at around 4.5 times income, so a £182,267 loan needs roughly £40,504 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

Chesterfield house prices since 2016

From £143,392 to £202,519. Up 14.3% over five years.

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

Nearby

How Chesterfield compares with its neighbours

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

FAQ

Mortgages in Chesterfield: your questions

How much deposit do I need to buy in Chesterfield?

At the average price of £202,519, a 10% deposit is £20,252 and 5% is £10,126. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Chesterfield?

With 10% down on the average home, the loan is £182,267. At 4.5 times income that means around £40,504 a year. Each lender sets its own limits, so treat this as a starting point.

Have Chesterfield house prices gone up?

Over five years the average home is up 14.3%, and over the last year it is up 3%.

How do Chesterfield house prices compare with nearby towns?

The average home in Chesterfield is £202,519. It costs more in Buxton (£265,635) and Belper (£232,141).

The rest of your move

Everything else for Chesterfield

Mortgages nearby

Ready when you are, Chesterfield.

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

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