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Mortgages · Winchester

Mortgages in Winchester. The typical home needs £45,319 down.

The average home in Winchester is £453,188 in the UK House Price Index for August 2026, up 0.1% on a year earlier. With a 10% deposit of £45,319, you would borrow £407,869.

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Mortgages in Winchester: a Homie illustration
  • £453,188average home, UK HPI
  • £45,31910% deposit
  • £90,638household income at 4.5× the loan
  • £7,659stamp duty for a first-time buyer
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The short answer

Mortgages in Winchester, in 30 seconds

The price
The average home in Winchester is £453,188.
The deposit
10% is £45,319. 5% deposit mortgages exist, but the rates are higher.
The income
Many lenders cap borrowing at around 4.5 times income, so a £407,869 loan needs roughly £90,638 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

Winchester house prices since 2016

From £399,700 to £453,188. Up 1.6% over five years.

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

Nearby

How Winchester compares with its neighbours

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

FAQ

Mortgages in Winchester: your questions

How much deposit do I need to buy in Winchester?

At the average price of £453,188, a 10% deposit is £45,319 and 5% is £22,659. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Winchester?

With 10% down on the average home, the loan is £407,869. At 4.5 times income that means around £90,638 a year. Each lender sets its own limits, so treat this as a starting point.

Have Winchester house prices gone up?

Over five years the average home is up 1.6%, and over the last year it is up 0.1%.

How do Winchester house prices compare with nearby towns?

The average home in Winchester is £453,188. It costs less in Aldershot (£326,799) and Eastleigh (£312,753).

The rest of your move

Everything else for Winchester

Mortgages nearby

Ready when you are, Winchester.

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

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