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Mortgages · St. Neots

Mortgages in St. Neots. The typical home needs £30,695 down.

The average home in St. Neots (the Huntingdonshire area) is £306,954 in the UK House Price Index for August 2026, up 1.1% on a year earlier. With a 10% deposit of £30,695, you would borrow £276,259.

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Mortgages in St. Neots: a Homie illustration
  • £306,954average home, UK HPI
  • £30,69510% deposit
  • £61,391household income at 4.5× the loan
  • £348stamp duty for a first-time buyer
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The short answer

Mortgages in St. Neots, in 30 seconds

The price
The average home in St. Neots is £306,954.
The deposit
10% is £30,695. 5% deposit mortgages exist, but the rates are higher.
The income
Many lenders cap borrowing at around 4.5 times income, so a £276,259 loan needs roughly £61,391 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

St. Neots house prices since 2016

From £235,285 to £306,954. Up 13.1% over five years.

2016 2019 2022 2025 2026
Average price each year to August 2026, Huntingdonshire.

Nearby

How St. Neots compares with its neighbours

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

FAQ

Mortgages in St. Neots: your questions

How much deposit do I need to buy in St. Neots?

At the average price of £306,954, a 10% deposit is £30,695 and 5% is £15,348. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in St. Neots?

With 10% down on the average home, the loan is £276,259. At 4.5 times income that means around £61,391 a year. Each lender sets its own limits, so treat this as a starting point.

Have St. Neots house prices gone up?

Over five years the average home is up 13.1%, and over the last year it is up 1.1%.

How do St. Neots house prices compare with nearby towns?

The average home in St. Neots is £306,954. It costs more in Cambridge (£470,360) and Ely (£340,059). It costs less in Peterborough (£231,634).

The rest of your move

Everything else for St. Neots

Mortgages nearby

Ready when you are, St. Neots.

Mortgages for your St. Neots move, tracked in the same Homemove dashboard as everything else.

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