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Cotswold · report

Buy or rent in Cotswold

Renting the average home costs less each month than owning it. Owning counts interest, running costs and the return the deposit could earn, at the average sale price; rent is the average of all private tenancies. Repaying the loan is saving, so it is left out.

Rent per month
£1,263
Owning per month
£2,007

Try your own numbers

Starting from the average sale price of £426,296 and the average private rent of £1,263 a month in Cotswold, and a mortgage rate of 4.6%.

Assumptions
4.6
1
Buildings insurance, maintenance, and any service charge and ground rent. Council tax is paid by tenants too, so it is left out.
3
What the deposit and purchase costs could earn if invested instead.
7
Stamp duty (land transaction tax in Wales, LBTT in Scotland), conveyancing, survey and lender's fees, paid once.

Renting costs less each month than owning.

Rent a month
£1,263
Owning a month, not recovered
£2,007
Interest
£1,471
Running costs
£355
Return given up
£181
Cash out a month, if buying
£2,322

Gross rental yield in Cotswold

A year's rent as a share of the average sale price, month by month. Higher means rent is dear compared with buying.

Show the numbers
PeriodCotswold
Aug 20263.5%
Jul 20263.6%
Jun 20263.6%
May 20263.6%
Apr 20263.6%
Mar 20263.7%
Feb 20263.6%
Jan 20263.6%
Dec 20253.5%
Nov 20253.5%
Oct 20253.4%
Sep 20253.3%
Aug 20253.2%
Jul 20253.4%
Jun 20253.5%
May 20253.6%
Apr 20253.5%
Mar 20253.4%
Feb 20253.3%
Jan 20253.2%
Dec 20243.1%
Nov 20242.9%
Oct 20242.9%
Sep 20243.0%
Aug 20243.1%
Jul 20243.2%
Jun 20243.2%
May 20243.1%
Apr 20243.1%
Mar 20243.0%
Feb 20243.0%
Jan 20243.1%
Dec 20233.1%
Nov 20233.0%
Oct 20233.0%
Sep 20232.9%
Aug 20233.0%
Jul 20233.1%
Jun 20233.1%
May 20233.0%
Apr 20232.9%
Mar 20232.8%
Feb 20232.8%
Jan 20232.7%
Dec 20222.8%
Nov 20222.7%
Oct 20222.8%
Sep 20222.8%
Aug 20222.8%
Jul 20222.9%
Jun 20222.9%
May 20222.9%
Apr 20222.9%
Mar 20222.9%
Feb 20223.0%
Jan 20223.0%
Dec 20212.9%
Nov 20212.9%
Oct 20212.9%
Sep 20213.1%
Aug 20213.1%
Jul 20213.1%
Jun 20213.1%
May 20213.1%
Apr 20213.1%
Mar 20213.1%
Feb 20213.1%
Jan 20213.1%
Dec 20203.0%
Nov 20202.9%
Oct 20202.9%
Sep 20203.0%
Aug 20203.0%
Jul 20203.1%
Jun 20203.2%
May 20203.2%
Apr 20203.1%
Mar 20203.1%
Feb 20203.2%
Jan 20203.2%
Dec 20193.2%
Nov 20193.2%
Oct 20193.1%
Sep 20193.0%
Aug 20193.0%
Jul 20193.1%
Jun 20193.2%
May 20193.2%
Apr 20193.2%
Mar 20193.2%
Feb 20193.2%
Jan 20193.2%
Dec 20183.1%
Nov 20183.2%
Oct 20183.2%
Sep 20183.2%
Aug 20183.2%
Jul 20183.2%
Jun 20183.4%
May 20183.4%
Apr 20183.4%
Mar 20183.3%
Feb 20183.2%
Jan 20183.2%
Dec 20173.2%
Nov 20173.1%
Oct 20173.2%
Sep 20173.2%
Aug 20173.3%
Jul 20173.3%
Jun 20173.3%
May 20173.4%
Apr 20173.3%
Mar 20173.3%
Feb 20173.3%
Jan 20173.3%
Dec 20163.3%
Nov 20163.3%
Oct 20163.2%
Sep 20163.2%
Aug 20163.3%
Jul 20163.5%
Jun 20163.4%
May 20163.4%
Apr 20163.3%
Mar 20163.2%
Feb 20163.2%
Jan 20163.1%
Dec 20153.1%
Nov 20153.2%
Oct 20153.3%
Sep 20153.3%
Aug 20153.4%
Jul 20153.4%
Jun 20153.4%
May 20153.4%
Apr 20153.4%
Mar 20153.4%
Feb 20153.3%
Jan 20153.4%

The comparison counts only the costs of owning you never get back: interest, running costs and what the deposit and purchase costs could earn elsewhere. Loan repayments build equity, so they are left out. So is any rise in the home's value, because nobody knows it in advance. Rents here are ONS's average of all private tenancies, new and continuing, which runs below what a new tenant pays; Scotland's are mostly advertised new lets, and its councils and Northern Ireland's take their nation's figure.

Other reports for Cotswold

Next 12 months

Sale prices have an 80% chance of landing between £348,445 and £518,515 by August 2027.

Expected, August 2027
£433,480
Chance of a rise
54%

Affordability

At the average sale price, a home costs £426,296. With 10% down and a 30-year mortgage, the payment is £1,967 a month. The UK sets no cap on the payment; no more than 15% of new mortgages may lend over 4.5 times income.

Payment, two incomes
29%
Payment, one income
57%

New homes

50.2% fewer homes were started in the last 12 months than in an average year of the past decade.

Started, 12 months
190
Per 1,000 residents
2.1

Foreign buyers

Figures for United Kingdom: Cotswold has no reliable figures of its own.

Buyers living abroad bought 1.8% of the homes sold here in the four quarters to Q1 2025.

Bought by buyers abroad, 12 months
1.8%

Past cycles

Sale prices have fallen by 3% or more 20 times since 1995. The deepest began in November 2007.

Deepest fall
−17.8%
Recovery from the low
51 months

People and new homes

In 2025 the population fell by 219 while 190 homes were finished.

Homes finished, 2025
190
Population change, 2025
−219

Empty homes

8.0% of the 45,515 homes counted in the 2021 census had nobody usually living in them.

Empty, 2021 census
8.0%
Empty homes
3,660

Renovation

In 2025, 17% of the homes added came from existing buildings rather than new ones.

Homes from existing buildings, 2025
17%