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Mortgages · Rotherham

Mortgages in Rotherham. The typical home needs £19,105 down.

The average home in Rotherham is £191,052 in the UK House Price Index for August 2026, up 0.7% on a year earlier. With a 10% deposit of £19,105, you would borrow £171,947.

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Mortgages in Rotherham: a mortgage adviser Homie with a key and a clipboard by a sold sign
  • £191,052average home, UK HPI
  • £19,10510% deposit
  • £38,210household income at 4.5× the loan
  • £0stamp duty for a first-time buyer
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The short answer

Mortgages in Rotherham, in 30 seconds

The price
The average home in Rotherham is £191,052.
The deposit
10% is £19,105. 5% deposit mortgages exist, but the rates are higher.
The income
Many lenders cap borrowing at around 4.5 times income, so a £171,947 loan needs roughly £38,210 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

Rotherham house prices since 2016

From £119,963 to £191,052. Up 21.3% over five years.

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

Nearby

How Rotherham compares with its neighbours

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

FAQ

Mortgages in Rotherham: your questions

How much deposit do I need to buy in Rotherham?

At the average price of £191,052, a 10% deposit is £19,105 and 5% is £9,553. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Rotherham?

With 10% down on the average home, the loan is £171,947. At 4.5 times income that means around £38,210 a year. Each lender sets its own limits, so treat this as a starting point.

Have Rotherham house prices gone up?

Over five years the average home is up 21.3%, and over the last year it is up 0.7%.

How do Rotherham house prices compare with nearby towns?

The average home in Rotherham is £191,052. It costs more in Sheffield (£217,603). It costs less in Barnsley (£173,053) and Doncaster (£172,770).

The rest of your move

Everything else for Rotherham

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Ready when you are, Rotherham.

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

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