Mortgages · Rochester

Mortgages in Rochester. The typical home needs £29,776 down.

The average home in Rochester (the Medway area) is £297,757 in the UK House Price Index for August 2026, up 0.5% on a year earlier. With a 10% deposit of £29,776, you would borrow £267,981.

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Mortgages in Rochester: a Homie illustration

£297,757average home, UK HPI
£29,77610% deposit
£59,551household income at 4.5× the loan
£0stamp duty for a first-time buyer

The short answer

Mortgages in Rochester, in 30 seconds

The price: The average home in Rochester is £297,757.
The deposit: 10% is £29,776. 5% deposit mortgages exist, but the rates are higher.
The income: Many lenders cap borrowing at around 4.5 times income, so a £267,981 loan needs roughly £59,551 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

Rochester house prices since 2016

From £227,000 to £297,757. Up 12.6% over five years.

Average price each year to August 2026, Medway.

Nearby

How Rochester compares with its neighbours

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

Dartford £342,167+7%
Ashford £340,991+8.4%
Canterbury £336,427+2.8%
Rochester £297,757+12.6%
Deal £282,945+6.2%
Broadstairs £268,549+2.7%

FAQ

Mortgages in Rochester: your questions

How much deposit do I need to buy in Rochester?

At the average price of £297,757, a 10% deposit is £29,776 and 5% is £14,888. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Rochester?

With 10% down on the average home, the loan is £267,981. At 4.5 times income that means around £59,551 a year. Each lender sets its own limits, so treat this as a starting point.

Have Rochester house prices gone up?

Over five years the average home is up 12.6%, and over the last year it is up 0.5%.

How do Rochester house prices compare with nearby towns?

The average home in Rochester is £297,757. It costs more in Dartford (£342,167) and Ashford (£340,991). It costs less in Deal (£282,945) and Broadstairs (£268,549).

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