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Mortgages · Thame

Mortgages in Thame. The typical home needs £47,143 down.

The average home in Thame (the South Oxfordshire area) is £471,427 in the UK House Price Index for August 2026, up 2.2% on a year earlier. With a 10% deposit of £47,143, you would borrow £424,284.

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Mortgages in Thame: a Homie illustration
  • £471,427average home, UK HPI
  • £47,14310% deposit
  • £94,285household income at 4.5× the loan
  • £8,571stamp duty for a first-time buyer
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The short answer

Mortgages in Thame, in 30 seconds

The price
The average home in Thame is £471,427.
The deposit
10% is £47,143. 5% deposit mortgages exist, but the rates are higher.
The income
Many lenders cap borrowing at around 4.5 times income, so a £424,284 loan needs roughly £94,285 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

Thame house prices since 2016

From £378,543 to £471,427. Up 10.5% over five years.

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

Nearby

How Thame compares with its neighbours

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

FAQ

Mortgages in Thame: your questions

How much deposit do I need to buy in Thame?

At the average price of £471,427, a 10% deposit is £47,143 and 5% is £23,571. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Thame?

With 10% down on the average home, the loan is £424,284. At 4.5 times income that means around £94,285 a year. Each lender sets its own limits, so treat this as a starting point.

Have Thame house prices gone up?

Over five years the average home is up 10.5%, and over the last year it is up 2.2%.

How do Thame house prices compare with nearby towns?

The average home in Thame is £471,427. It costs more in Oxford (£478,080). It costs less in Abingdon-on-Thames (£411,712) and Banbury (£355,981).

The rest of your move

Everything else for Thame

Mortgages nearby

Ready when you are, Thame.

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

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