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Mortgages · Kingston upon Thames

Mortgages in Kingston upon Thames. The typical home needs £59,759 down.

The average home in Kingston upon Thames is £597,587 in the UK House Price Index for August 2026, up 4.9% on a year earlier. With a 10% deposit of £59,759, you would borrow £537,828.

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Mortgages in Kingston upon Thames: a Homie illustration
  • £597,587average home, UK HPI
  • £59,75910% deposit
  • £119,517household income at 4.5× the loan
  • £19,879stamp duty for a first-time buyer
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The short answer

Mortgages in Kingston upon Thames, in 30 seconds

The price
The average home in Kingston upon Thames is £597,587.
The deposit
10% is £59,759. 5% deposit mortgages exist, but the rates are higher.
The income
Many lenders cap borrowing at around 4.5 times income, so a £537,828 loan needs roughly £119,517 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

Kingston upon Thames house prices since 2016

From £517,372 to £597,587. Up 12% over five years.

2016 2019 2022 2025 2026
Average price each year to August 2026, Kingston upon Thames.

Nearby

How Kingston upon Thames compares with its neighbours

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

  • London £887,206-24.7%
  • Kingston upon Thames £597,587+12%
  • Bexleyheath £414,833+10.6%

FAQ

Mortgages in Kingston upon Thames: your questions

How much deposit do I need to buy in Kingston upon Thames?

At the average price of £597,587, a 10% deposit is £59,759 and 5% is £29,879. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Kingston upon Thames?

With 10% down on the average home, the loan is £537,828. At 4.5 times income that means around £119,517 a year. Each lender sets its own limits, so treat this as a starting point.

Have Kingston upon Thames house prices gone up?

Over five years the average home is up 12%, and over the last year it is up 4.9%.

How do Kingston upon Thames house prices compare with nearby towns?

The average home in Kingston upon Thames is £597,587. It costs more in London (£887,206). It costs less in Bexleyheath (£414,833).

The rest of your move

Everything else for Kingston upon Thames

Mortgages nearby

Ready when you are, Kingston upon Thames.

Mortgages for your Kingston upon Thames move, tracked in the same Homemove dashboard as everything else.

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