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Mortgages · Stowmarket

Mortgages in Stowmarket. The typical home needs £31,798 down.

The average home in Stowmarket (the Mid Suffolk area) is £317,979 in the UK House Price Index for August 2026, up 5.3% on a year earlier. With a 10% deposit of £31,798, you would borrow £286,181.

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Mortgages in Stowmarket: a Homie illustration
  • £317,979average home, UK HPI
  • £31,79810% deposit
  • £63,596household income at 4.5× the loan
  • £899stamp duty for a first-time buyer
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The short answer

Mortgages in Stowmarket, in 30 seconds

The price
The average home in Stowmarket is £317,979.
The deposit
10% is £31,798. 5% deposit mortgages exist, but the rates are higher.
The income
Many lenders cap borrowing at around 4.5 times income, so a £286,181 loan needs roughly £63,596 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

Stowmarket house prices since 2016

From £248,896 to £317,979. Up 10.8% over five years.

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

Nearby

How Stowmarket compares with its neighbours

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

FAQ

Mortgages in Stowmarket: your questions

How much deposit do I need to buy in Stowmarket?

At the average price of £317,979, a 10% deposit is £31,798 and 5% is £15,899. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Stowmarket?

With 10% down on the average home, the loan is £286,181. At 4.5 times income that means around £63,596 a year. Each lender sets its own limits, so treat this as a starting point.

Have Stowmarket house prices gone up?

Over five years the average home is up 10.8%, and over the last year it is up 5.3%.

How do Stowmarket house prices compare with nearby towns?

The average home in Stowmarket is £317,979. It costs more in Sudbury (£331,207). It costs less in Felixstowe (£277,949) and Ipswich (£226,175).

The rest of your move

Everything else for Stowmarket

Mortgages nearby

Ready when you are, Stowmarket.

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

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