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Mortgages · Halifax

Mortgages in Halifax. The typical home needs £19,765 down.

The average home in Halifax (the Calderdale area) is £197,651 in the UK House Price Index for August 2026, up 7.8% on a year earlier. With a 10% deposit of £19,765, you would borrow £177,886.

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Mortgages in Halifax: a Homie illustration
  • £197,651average home, UK HPI
  • £19,76510% deposit
  • £39,530household income at 4.5× the loan
  • £0stamp duty for a first-time buyer
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The short answer

Mortgages in Halifax, in 30 seconds

The price
The average home in Halifax is £197,651.
The deposit
10% is £19,765. 5% deposit mortgages exist, but the rates are higher.
The income
Many lenders cap borrowing at around 4.5 times income, so a £177,886 loan needs roughly £39,530 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

Halifax house prices since 2016

From £123,747 to £197,651. Up 26.8% over five years.

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

Nearby

How Halifax compares with its neighbours

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

FAQ

Mortgages in Halifax: your questions

How much deposit do I need to buy in Halifax?

At the average price of £197,651, a 10% deposit is £19,765 and 5% is £9,883. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Halifax?

With 10% down on the average home, the loan is £177,886. At 4.5 times income that means around £39,530 a year. Each lender sets its own limits, so treat this as a starting point.

Have Halifax house prices gone up?

Over five years the average home is up 26.8%, and over the last year it is up 7.8%.

How do Halifax house prices compare with nearby towns?

The average home in Halifax is £197,651. It costs more in Leeds (£246,385) and Dewsbury (£208,427). It costs less in Bradford (£185,297).

The rest of your move

Everything else for Halifax

Mortgages nearby

Ready when you are, Halifax.

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

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