Mortgages · Witney

Mortgages in Witney. The typical home needs £41,612 down.

The average home in Witney (the West Oxfordshire area) is £416,123 in the UK House Price Index for August 2026, down 2.3% on a year earlier. With a 10% deposit of £41,612, you would borrow £374,511.

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Mortgages in Witney: a Homie illustration

£416,123average home, UK HPI
£41,61210% deposit
£83,225household income at 4.5× the loan
£5,806stamp duty for a first-time buyer

The short answer

Mortgages in Witney, in 30 seconds

The price: The average home in Witney is £416,123.
The deposit: 10% is £41,612. 5% deposit mortgages exist, but the rates are higher.
The income: Many lenders cap borrowing at around 4.5 times income, so a £374,511 loan needs roughly £83,225 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

Witney house prices since 2016

From £348,844 to £416,123. Up 17.1% over five years.

Average price each year to August 2026, West Oxfordshire.

Nearby

How Witney compares with its neighbours

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

Oxford £478,080+6.2%
Didcot £471,427+10.5%
Witney £416,123+17.1%
Abingdon-on-Thames £411,712+18.7%
Banbury £355,981+14.1%

FAQ

Mortgages in Witney: your questions

How much deposit do I need to buy in Witney?

At the average price of £416,123, a 10% deposit is £41,612 and 5% is £20,806. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Witney?

With 10% down on the average home, the loan is £374,511. At 4.5 times income that means around £83,225 a year. Each lender sets its own limits, so treat this as a starting point.

Have Witney house prices gone up?

Over five years the average home is up 17.1%, and over the last year it is down 2.3%.

How do Witney house prices compare with nearby towns?

The average home in Witney is £416,123. It costs more in Oxford (£478,080) and Didcot (£471,427). It costs less in Abingdon-on-Thames (£411,712) and Banbury (£355,981).

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