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Mortgages · Gloucester

Mortgages in Gloucester. The typical home needs £23,771 down.

The average home in Gloucester is £237,705 in the UK House Price Index for August 2026, up 2.2% on a year earlier. With a 10% deposit of £23,771, you would borrow £213,934.

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Mortgages in Gloucester: a mortgage adviser Homie with a key and a clipboard by a sold sign
  • £237,705average home, UK HPI
  • £23,77110% deposit
  • £47,541household income at 4.5× the loan
  • £0stamp duty for a first-time buyer
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The short answer

Mortgages in Gloucester, in 30 seconds

The price
The average home in Gloucester is £237,705.
The deposit
10% is £23,771. 5% deposit mortgages exist, but the rates are higher.
The income
Many lenders cap borrowing at around 4.5 times income, so a £213,934 loan needs roughly £47,541 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

Gloucester house prices since 2016

From £164,622 to £237,705. Up 15.2% over five years.

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

Nearby

How Gloucester compares with its neighbours

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

FAQ

Mortgages in Gloucester: your questions

How much deposit do I need to buy in Gloucester?

At the average price of £237,705, a 10% deposit is £23,771 and 5% is £11,885. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Gloucester?

With 10% down on the average home, the loan is £213,934. At 4.5 times income that means around £47,541 a year. Each lender sets its own limits, so treat this as a starting point.

Have Gloucester house prices gone up?

Over five years the average home is up 15.2%, and over the last year it is up 2.2%.

How do Gloucester house prices compare with nearby towns?

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

The rest of your move

Everything else for Gloucester

Mortgages nearby

Ready when you are, Gloucester.

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

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