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Mortgages · Epsom

Mortgages in Epsom. The typical home needs £56,616 down.

The average home in Epsom (the Epsom and Ewell area) is £566,163 in the UK House Price Index for August 2026, up 3.2% on a year earlier. With a 10% deposit of £56,616, you would borrow £509,547.

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Mortgages in Epsom: a Homie illustration
  • £566,163average home, UK HPI
  • £56,61610% deposit
  • £113,233household income at 4.5× the loan
  • £18,308stamp duty for a first-time buyer
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The short answer

Mortgages in Epsom, in 30 seconds

The price
The average home in Epsom is £566,163.
The deposit
10% is £56,616. 5% deposit mortgages exist, but the rates are higher.
The income
Many lenders cap borrowing at around 4.5 times income, so a £509,547 loan needs roughly £113,233 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

Epsom house prices since 2016

From £466,454 to £566,163. Up 10.3% over five years.

2016 2019 2022 2025 2026
Average price each year to August 2026, Epsom and Ewell.

Nearby

How Epsom compares with its neighbours

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

FAQ

Mortgages in Epsom: your questions

How much deposit do I need to buy in Epsom?

At the average price of £566,163, a 10% deposit is £56,616 and 5% is £28,308. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Epsom?

With 10% down on the average home, the loan is £509,547. At 4.5 times income that means around £113,233 a year. Each lender sets its own limits, so treat this as a starting point.

Have Epsom house prices gone up?

Over five years the average home is up 10.3%, and over the last year it is up 3.2%.

How do Epsom house prices compare with nearby towns?

The average home in Epsom is £566,163. It costs more in Cobham (£735,548). It costs less in Addlestone (£472,507) and Camberley (£457,981).

The rest of your move

Everything else for Epsom

Mortgages nearby

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

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