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Mortgages · Clacton-on-Sea

Mortgages in Clacton-on-Sea. The typical home needs £26,064 down.

The average home in Clacton-on-Sea (the Tendring area) is £260,636 in the UK House Price Index for August 2026, down 1.2% on a year earlier. With a 10% deposit of £26,064, you would borrow £234,572.

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Mortgages in Clacton-on-Sea: a Homie illustration
  • £260,636average home, UK HPI
  • £26,06410% deposit
  • £52,127household income at 4.5× the loan
  • £0stamp duty for a first-time buyer
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The short answer

Mortgages in Clacton-on-Sea, in 30 seconds

The price
The average home in Clacton-on-Sea is £260,636.
The deposit
10% is £26,064. 5% deposit mortgages exist, but the rates are higher.
The income
Many lenders cap borrowing at around 4.5 times income, so a £234,572 loan needs roughly £52,127 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

Clacton-on-Sea house prices since 2016

From £198,250 to £260,636. Up 6.3% over five years.

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

Nearby

How Clacton-on-Sea compares with its neighbours

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

FAQ

Mortgages in Clacton-on-Sea: your questions

How much deposit do I need to buy in Clacton-on-Sea?

At the average price of £260,636, a 10% deposit is £26,064 and 5% is £13,032. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Clacton-on-Sea?

With 10% down on the average home, the loan is £234,572. At 4.5 times income that means around £52,127 a year. Each lender sets its own limits, so treat this as a starting point.

Have Clacton-on-Sea house prices gone up?

Over five years the average home is up 6.3%, and over the last year it is down 1.2%.

How do Clacton-on-Sea house prices compare with nearby towns?

The average home in Clacton-on-Sea is £260,636. It costs more in Brentwood (£522,672) and Chelmsford (£376,682).

The rest of your move

Everything else for Clacton-on-Sea

Mortgages nearby

Ready when you are, Clacton-on-Sea.

Mortgages for your Clacton-on-Sea move, tracked in the same Homemove dashboard as everything else.

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