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Mortgages · Ipswich

Mortgages in Ipswich. The typical home needs £22,618 down.

The average home in Ipswich is £226,175 in the UK House Price Index for August 2026, up 2.4% on a year earlier. With a 10% deposit of £22,618, you would borrow £203,557.

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Mortgages in Ipswich: a mortgage adviser Homie with a key and a clipboard by a sold sign
  • £226,175average home, UK HPI
  • £22,61810% deposit
  • £45,235household income at 4.5× the loan
  • £0stamp duty for a first-time buyer
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The short answer

Mortgages in Ipswich, in 30 seconds

The price
The average home in Ipswich is £226,175.
The deposit
10% is £22,618. 5% deposit mortgages exist, but the rates are higher.
The income
Many lenders cap borrowing at around 4.5 times income, so a £203,557 loan needs roughly £45,235 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

Ipswich house prices since 2016

From £175,476 to £226,175. Up 7.5% over five years.

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

Nearby

How Ipswich compares with its neighbours

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

FAQ

Mortgages in Ipswich: your questions

How much deposit do I need to buy in Ipswich?

At the average price of £226,175, a 10% deposit is £22,618 and 5% is £11,309. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Ipswich?

With 10% down on the average home, the loan is £203,557. At 4.5 times income that means around £45,235 a year. Each lender sets its own limits, so treat this as a starting point.

Have Ipswich house prices gone up?

Over five years the average home is up 7.5%, and over the last year it is up 2.4%.

How do Ipswich house prices compare with nearby towns?

The average home in Ipswich is £226,175. It costs more in Sudbury (£331,207) and Stowmarket (£317,979).

The rest of your move

Everything else for Ipswich

Mortgages nearby

Ready when you are, Ipswich.

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

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