Mortgages · Milton Keynes

Mortgages in Milton Keynes. The typical home needs £32,387 down.

The average home in Milton Keynes is £323,868 in the UK House Price Index for August 2026, up 0.5% on a year earlier. With a 10% deposit of £32,387, you would borrow £291,481.

Mortgages in Milton Keynes: a Homie illustration

£323,868average home, UK HPI
£32,38710% deposit
£64,774household income at 4.5× the loan
£1,193stamp duty for a first-time buyer

The short answer

Mortgages in Milton Keynes, in 30 seconds

The price: The average home in Milton Keynes is £323,868.
The deposit: 10% is £32,387. 5% deposit mortgages exist, but the rates are higher.
The income: Many lenders cap borrowing at around 4.5 times income, so a £291,481 loan needs roughly £64,774 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

Milton Keynes house prices since 2016

From £258,126 to £323,868. Up 11% over five years.

Average price each year to August 2026, Milton Keynes.

Nearby

How Milton Keynes compares with its neighbours

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

Amersham £477,450+10.7%
Milton Keynes £323,868+11%

FAQ

Mortgages in Milton Keynes: your questions

How much deposit do I need to buy in Milton Keynes?

At the average price of £323,868, a 10% deposit is £32,387 and 5% is £16,193. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Milton Keynes?

With 10% down on the average home, the loan is £291,481. At 4.5 times income that means around £64,774 a year. Each lender sets its own limits, so treat this as a starting point.

Have Milton Keynes house prices gone up?

Over five years the average home is up 11%, and over the last year it is up 0.5%.

How do Milton Keynes house prices compare with nearby towns?

The average home in Milton Keynes is £323,868. It costs more in Amersham (£477,450).

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