Mortgages · Rugby

Mortgages in Rugby. The typical home needs £27,832 down.

The average home in Rugby is £278,324 in the UK House Price Index for August 2026, down 2.2% on a year earlier. With a 10% deposit of £27,832, you would borrow £250,492.

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Mortgages in Rugby: a Homie illustration

£278,324average home, UK HPI
£27,83210% deposit
£55,665household income at 4.5× the loan
£0stamp duty for a first-time buyer

The short answer

Mortgages in Rugby, in 30 seconds

The price: The average home in Rugby is £278,324.
The deposit: 10% is £27,832. 5% deposit mortgages exist, but the rates are higher.
The income: Many lenders cap borrowing at around 4.5 times income, so a £250,492 loan needs roughly £55,665 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

Rugby house prices since 2016

From £202,117 to £278,324. Up 12.5% over five years.

Average price each year to August 2026, Rugby.

Nearby

How Rugby compares with its neighbours

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

Stratford-upon-Avon £396,711+15.6%
Kenilworth £370,924+17%
Rugby £278,324+12.5%
Nuneaton £226,730+15.8%

FAQ

Mortgages in Rugby: your questions

How much deposit do I need to buy in Rugby?

At the average price of £278,324, a 10% deposit is £27,832 and 5% is £13,916. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Rugby?

With 10% down on the average home, the loan is £250,492. At 4.5 times income that means around £55,665 a year. Each lender sets its own limits, so treat this as a starting point.

Have Rugby house prices gone up?

Over five years the average home is up 12.5%, and over the last year it is down 2.2%.

How do Rugby house prices compare with nearby towns?

The average home in Rugby is £278,324. It costs more in Stratford-upon-Avon (£396,711) and Kenilworth (£370,924). It costs less in Nuneaton (£226,730).

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