Mortgages · Rhyl

Mortgages in Rhyl. The typical home needs £20,713 down.

The average home in Rhyl (the Denbighshire area) is £207,130 in the UK House Price Index for August 2026, up 5.2% on a year earlier. With a 10% deposit of £20,713, you would borrow £186,417.

Mortgages in Rhyl: a Homie illustration

£207,130average home, UK HPI
£20,71310% deposit
£41,426household income at 4.5× the loan
£0LTT for a first-time buyer

The short answer

Mortgages in Rhyl, in 30 seconds

The price: The average home in Rhyl is £207,130.
The deposit: 10% is £20,713. 5% deposit mortgages exist, but the rates are higher.
The income: Many lenders cap borrowing at around 4.5 times income, so a £186,417 loan needs roughly £41,426 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

Rhyl house prices since 2016

From £136,031 to £207,130. Up 23.1% over five years.

Average price each year to August 2026, Denbighshire.

FAQ

Mortgages in Rhyl: your questions

How much deposit do I need to buy in Rhyl?

At the average price of £207,130, a 10% deposit is £20,713 and 5% is £10,357. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Rhyl?

With 10% down on the average home, the loan is £186,417. At 4.5 times income that means around £41,426 a year. Each lender sets its own limits, so treat this as a starting point.

Have Rhyl house prices gone up?

Over five years the average home is up 23.1%, and over the last year it is up 5.2%.

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