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Mortgages · Huddersfield

Mortgages in Huddersfield. The typical home needs £20,843 down.

The average home in Huddersfield (the Kirklees area) is £208,427 in the UK House Price Index for August 2026, up 5.1% on a year earlier. With a 10% deposit of £20,843, you would borrow £187,584.

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Mortgages in Huddersfield: a mortgage adviser Homie with a key and a clipboard by a sold sign
  • £208,427average home, UK HPI
  • £20,84310% deposit
  • £41,685household income at 4.5× the loan
  • £0stamp duty for a first-time buyer
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The short answer

Mortgages in Huddersfield, in 30 seconds

The price
The average home in Huddersfield is £208,427.
The deposit
10% is £20,843. 5% deposit mortgages exist, but the rates are higher.
The income
Many lenders cap borrowing at around 4.5 times income, so a £187,584 loan needs roughly £41,685 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

Huddersfield house prices since 2016

From £135,295 to £208,427. Up 24.1% over five years.

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

Nearby

How Huddersfield compares with its neighbours

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

FAQ

Mortgages in Huddersfield: your questions

How much deposit do I need to buy in Huddersfield?

At the average price of £208,427, a 10% deposit is £20,843 and 5% is £10,421. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Huddersfield?

With 10% down on the average home, the loan is £187,584. At 4.5 times income that means around £41,685 a year. Each lender sets its own limits, so treat this as a starting point.

Have Huddersfield house prices gone up?

Over five years the average home is up 24.1%, and over the last year it is up 5.1%.

How do Huddersfield house prices compare with nearby towns?

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

The rest of your move

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

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