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Elmbridge · report

Buy or rent in Elmbridge

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
£1,885
Owning per month
£3,463

Try your own numbers

Starting from the average sale price of £735,548 and the average private rent of £1,885 a month in Elmbridge, 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
£1,885
Owning a month, not recovered
£3,463
Interest
£2,538
Running costs
£613
Return given up
£313
Cash out a month, if buying
£4,007

Gross rental yield in Elmbridge

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
PeriodElmbridge
Aug 20263.1%
Jul 20263.0%
Jun 20263.0%
May 20263.0%
Apr 20263.0%
Mar 20263.0%
Feb 20263.0%
Jan 20263.0%
Dec 20253.1%
Nov 20253.1%
Oct 20253.1%
Sep 20253.1%
Aug 20253.0%
Jul 20253.0%
Jun 20252.9%
May 20253.0%
Apr 20253.0%
Mar 20253.1%
Feb 20253.0%
Jan 20253.1%
Dec 20243.1%
Nov 20243.1%
Oct 20243.0%
Sep 20243.0%
Aug 20243.0%
Jul 20243.0%
Jun 20243.1%
May 20243.1%
Apr 20243.0%
Mar 20242.9%
Feb 20242.9%
Jan 20242.9%
Dec 20232.8%
Nov 20232.7%
Oct 20232.7%
Sep 20232.8%
Aug 20232.8%
Jul 20232.8%
Jun 20232.9%
May 20232.8%
Apr 20232.8%
Mar 20232.6%
Feb 20232.6%
Jan 20232.5%
Dec 20222.5%
Nov 20222.5%
Oct 20222.5%
Sep 20222.5%
Aug 20222.6%
Jul 20222.6%
Jun 20222.6%
May 20222.7%
Apr 20222.7%
Mar 20222.7%
Feb 20222.7%
Jan 20222.7%
Dec 20212.7%
Nov 20212.7%
Oct 20212.8%
Sep 20212.8%
Aug 20212.8%
Jul 20212.8%
Jun 20212.8%
May 20212.8%
Apr 20212.8%
Mar 20212.7%
Feb 20212.7%
Jan 20212.7%
Dec 20202.7%
Nov 20202.7%
Oct 20202.7%
Sep 20202.8%
Aug 20202.9%
Jul 20202.9%
Jun 20202.9%
May 20202.9%
Apr 20202.9%
Mar 20202.9%
Feb 20202.9%
Jan 20202.9%
Dec 20192.9%
Nov 20192.9%
Oct 20192.9%
Sep 20192.9%
Aug 20192.9%
Jul 20192.9%
Jun 20193.0%
May 20193.0%
Apr 20193.0%
Mar 20192.9%
Feb 20192.9%
Jan 20193.0%
Dec 20183.0%
Nov 20183.0%
Oct 20182.8%
Sep 20182.8%
Aug 20182.8%
Jul 20182.8%
Jun 20182.9%
May 20182.9%
Apr 20183.0%
Mar 20183.0%
Feb 20183.0%
Jan 20182.9%
Dec 20172.9%
Nov 20172.9%
Oct 20172.9%
Sep 20172.9%
Aug 20172.9%
Jul 20173.0%
Jun 20172.9%
May 20172.9%
Apr 20172.9%
Mar 20172.9%
Feb 20172.9%
Jan 20172.9%
Dec 20162.9%
Nov 20163.0%
Oct 20162.9%
Sep 20162.9%
Aug 20162.8%
Jul 20162.8%
Jun 20162.8%
May 20162.8%
Apr 20162.9%
Mar 20162.8%
Feb 20162.8%
Jan 20162.8%
Dec 20152.9%
Nov 20152.9%
Oct 20152.9%
Sep 20152.9%
Aug 20152.9%
Jul 20153.0%
Jun 20153.0%
May 20153.1%
Apr 20153.1%
Mar 20153.1%
Feb 20153.1%
Jan 20153.1%

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 Elmbridge

Next 12 months

Sale prices have an 80% chance of landing between £691,609 and £791,686 by August 2027.

Expected, August 2027
£741,648
Chance of a rise
56%

Affordability

At the average sale price, a home costs £735,548. With 10% down and a 30-year mortgage, the payment is £3,394 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
39%
Payment, one income
78%

New homes

23.8% fewer homes were started in the last 12 months than in an average year of the past decade.

Started, 12 months
200
Per 1,000 residents
1.4

Foreign buyers

Figures for United Kingdom: Elmbridge 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 8 times since 1995. The deepest began in November 2007.

Deepest fall
−24.0%
Recovery from the low
37 months

People and new homes

In 2025 the population grew by 507 while 270 homes were finished: 1.9 new residents for every new home.

New residents per new home, 2025
1.9
Population change, 2025
+507

Empty homes

5.3% of the 58,905 homes counted in the 2021 census had nobody usually living in them.

Empty, 2021 census
5.3%
Empty homes
3,110

Renovation

In 2025, 8% of the homes added came from existing buildings rather than new ones.

Homes from existing buildings, 2025
8%