Mortgages · Northampton

Mortgages in Northampton. The typical home needs £28,973 down.

The average home in Northampton (the West Northamptonshire area) is £289,726 in the UK House Price Index for August 2026, up 0.2% on a year earlier. With a 10% deposit of £28,973, you would borrow £260,753.

Mortgages in Northampton: a mortgage adviser Homie with a key and a clipboard by a sold sign

£289,726average home, UK HPI
£28,97310% deposit
£57,945household income at 4.5× the loan
£0stamp duty for a first-time buyer

The short answer

Mortgages in Northampton, in 30 seconds

The price: The average home in Northampton is £289,726.
The deposit: 10% is £28,973. 5% deposit mortgages exist, but the rates are higher.
The income: Many lenders cap borrowing at around 4.5 times income, so a £260,753 loan needs roughly £57,945 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

Northampton house prices since 2016

From £218,878 to £289,726. Up 12.2% over five years.

Average price each year to August 2026, West Northamptonshire.

Nearby

How Northampton compares with its neighbours

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

Northampton £289,726+12.2%
Kettering £252,884+10.8%

FAQ

Mortgages in Northampton: your questions

How much deposit do I need to buy in Northampton?

At the average price of £289,726, a 10% deposit is £28,973 and 5% is £14,486. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Northampton?

With 10% down on the average home, the loan is £260,753. At 4.5 times income that means around £57,945 a year. Each lender sets its own limits, so treat this as a starting point.

Have Northampton house prices gone up?

Over five years the average home is up 12.2%, and over the last year it is up 0.2%.

How do Northampton house prices compare with nearby towns?

The average home in Northampton is £289,726. It costs less in Kettering (£252,884).

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