Homemove - The home of moving home
Homes For Sale Homes To Rent
Guides
Moving guides Which survey do I need? Home issues A to Z Glossary Moving journey planner Help to Buy statistics Articles and FAQs
Services
Estate Agents Mortgages Legal Surveys Removals Cleaning Broadband Energy Home Insurance
Other Products
Help-to-Buy Bundles First-Time Buyer Environmental Report
Tools
Instant Valuation EPC Checker Property Risk Calculator Council Tax Band Checker Mortgage Calculator Broadband Speed Test
Games
Sign In / Register

Mortgages · Harlow

Mortgages in Harlow. The typical home needs £31,745 down.

The average home in Harlow is £317,453 in the UK House Price Index for August 2026, up 4.3% on a year earlier. With a 10% deposit of £31,745, you would borrow £285,708.

Get started
Mortgages in Harlow: a Homie illustration
  • £317,453average home, UK HPI
  • £31,74510% deposit
  • £63,491household income at 4.5× the loan
  • £873stamp duty for a first-time buyer
ITV News TV Appearance The Times Featured AI Tech Company The Guardian - Homemove Insert Feature

The short answer

Mortgages in Harlow, in 30 seconds

The price
The average home in Harlow is £317,453.
The deposit
10% is £31,745. 5% deposit mortgages exist, but the rates are higher.
The income
Many lenders cap borrowing at around 4.5 times income, so a £285,708 loan needs roughly £63,491 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

Harlow house prices since 2016

From £268,230 to £317,453. Up 9.5% over five years.

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

Nearby

How Harlow compares with its neighbours

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

FAQ

Mortgages in Harlow: your questions

How much deposit do I need to buy in Harlow?

At the average price of £317,453, a 10% deposit is £31,745 and 5% is £15,873. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Harlow?

With 10% down on the average home, the loan is £285,708. At 4.5 times income that means around £63,491 a year. Each lender sets its own limits, so treat this as a starting point.

Have Harlow house prices gone up?

Over five years the average home is up 9.5%, and over the last year it is up 4.3%.

How do Harlow house prices compare with nearby towns?

The average home in Harlow is £317,453. It costs more in Brentwood (£522,672) and Chelmsford (£376,682). It costs less in Clacton-on-Sea (£260,636).

The rest of your move

Everything else for Harlow

Mortgages nearby

Ready when you are, Harlow.

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

Get started
Cookie settings

We use cookies to improve your experience. · Privacy · Cookies