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Mortgages · Durham

Mortgages in Durham. The typical home needs £14,079 down.

The average home in Durham (the County Durham area) is £140,788 in the UK House Price Index for August 2026, up 4.9% on a year earlier. With a 10% deposit of £14,079, you would borrow £126,709.

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Mortgages in Durham: a mortgage adviser Homie with a key and a clipboard by a sold sign
  • £140,788average home, UK HPI
  • £14,07910% deposit
  • £28,158household income at 4.5× the loan
  • £0stamp duty for a first-time buyer
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The short answer

Mortgages in Durham, in 30 seconds

The price
The average home in Durham is £140,788.
The deposit
10% is £14,079. 5% deposit mortgages exist, but the rates are higher.
The income
Many lenders cap borrowing at around 4.5 times income, so a £126,709 loan needs roughly £28,158 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

Durham house prices since 2016

From £98,695 to £140,788. Up 19.3% over five years.

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

Nearby

How Durham compares with its neighbours

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

FAQ

Mortgages in Durham: your questions

How much deposit do I need to buy in Durham?

At the average price of £140,788, a 10% deposit is £14,079 and 5% is £7,039. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Durham?

With 10% down on the average home, the loan is £126,709. At 4.5 times income that means around £28,158 a year. Each lender sets its own limits, so treat this as a starting point.

Have Durham house prices gone up?

Over five years the average home is up 19.3%, and over the last year it is up 4.9%.

How do Durham house prices compare with nearby towns?

The average home in Durham is £140,788. It costs more in Billingham (£172,698) and Darlington (£159,770). It costs less in Hartlepool (£136,625).

The rest of your move

Everything else for Durham

Mortgages nearby

Ready when you are, Durham.

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

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