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Mortgages · York

Mortgages in York. The typical home needs £31,187 down.

The average home in York is £311,865 in the UK House Price Index for August 2026, up 0.7% on a year earlier. With a 10% deposit of £31,187, you would borrow £280,678.

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Mortgages in York: a mortgage adviser Homie with a key and a clipboard by a sold sign
  • £311,865average home, UK HPI
  • £31,18710% deposit
  • £62,373household income at 4.5× the loan
  • £593stamp duty for a first-time buyer
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The short answer

Mortgages in York, in 30 seconds

The price
The average home in York is £311,865.
The deposit
10% is £31,187. 5% deposit mortgages exist, but the rates are higher.
The income
Many lenders cap borrowing at around 4.5 times income, so a £280,678 loan needs roughly £62,373 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

York house prices since 2016

From £230,399 to £311,865. Up 13.1% over five years.

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

Nearby

How York compares with its neighbours

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

FAQ

Mortgages in York: your questions

How much deposit do I need to buy in York?

At the average price of £311,865, a 10% deposit is £31,187 and 5% is £15,593. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in York?

With 10% down on the average home, the loan is £280,678. At 4.5 times income that means around £62,373 a year. Each lender sets its own limits, so treat this as a starting point.

Have York house prices gone up?

Over five years the average home is up 13.1%, and over the last year it is up 0.7%.

How do York house prices compare with nearby towns?

The average home in York is £311,865. It costs less in Redcar (£146,259) and Middlesbrough (£142,868).

The rest of your move

Everything else for York

Mortgages nearby

Ready when you are, York.

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

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