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Hammersmith and Fulham · report

Buy or rent in Hammersmith and Fulham

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
£2,861
Owning per month
£3,554

Try your own numbers

Starting from the average sale price of £754,825 and the average private rent of £2,861 a month in Hammersmith and Fulham, 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
£2,861
Owning a month, not recovered
£3,554
Interest
£2,604
Running costs
£629
Return given up
£321
Cash out a month, if buying
£4,112

Gross rental yield in Hammersmith and Fulham

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
PeriodHammersmith and Fulham
Aug 20264.5%
Jul 20264.5%
Jun 20264.5%
May 20264.6%
Apr 20264.5%
Mar 20264.4%
Feb 20264.3%
Jan 20264.3%
Dec 20254.3%
Nov 20254.2%
Oct 20254.2%
Sep 20254.2%
Aug 20254.1%
Jul 20254.1%
Jun 20254.0%
May 20254.0%
Apr 20254.1%
Mar 20254.2%
Feb 20254.2%
Jan 20254.1%
Dec 20244.1%
Nov 20244.0%
Oct 20243.9%
Sep 20243.8%
Aug 20243.7%
Jul 20243.7%
Jun 20243.7%
May 20243.6%
Apr 20243.5%
Mar 20243.5%
Feb 20243.6%
Jan 20243.6%
Dec 20233.5%
Nov 20233.3%
Oct 20233.4%
Sep 20233.4%
Aug 20233.4%
Jul 20233.3%
Jun 20233.2%
May 20233.1%
Apr 20233.1%
Mar 20233.0%
Feb 20233.1%
Jan 20233.1%
Dec 20223.3%
Nov 20223.3%
Oct 20223.2%
Sep 20223.1%
Aug 20223.1%
Jul 20223.1%
Jun 20223.1%
May 20223.2%
Apr 20223.2%
Mar 20223.2%
Feb 20223.2%
Jan 20223.2%
Dec 20213.3%
Nov 20213.2%
Oct 20213.1%
Sep 20212.9%
Aug 20212.9%
Jul 20213.0%
Jun 20213.2%
May 20213.2%
Apr 20213.2%
Mar 20213.3%
Feb 20213.4%
Jan 20213.3%
Dec 20203.4%
Nov 20203.3%
Oct 20203.3%
Sep 20203.2%
Aug 20203.1%
Jul 20203.1%
Jun 20203.3%
May 20203.5%
Apr 20203.4%
Mar 20203.3%
Feb 20203.2%
Jan 20203.3%
Dec 20193.3%
Nov 20193.4%
Oct 20193.3%
Sep 20193.2%
Aug 20193.2%
Jul 20193.2%
Jun 20193.3%
May 20193.2%
Apr 20193.2%
Mar 20193.2%
Feb 20193.2%
Jan 20193.1%
Dec 20183.1%
Nov 20183.1%
Oct 20183.0%
Sep 20183.0%
Aug 20183.0%
Jul 20183.0%
Jun 20183.1%
May 20183.1%
Apr 20183.1%
Mar 20183.1%
Feb 20183.2%
Jan 20183.1%
Dec 20173.0%
Nov 20173.0%
Oct 20173.0%
Sep 20173.0%
Aug 20173.0%
Jul 20173.1%
Jun 20173.1%
May 20173.1%
Apr 20173.0%
Mar 20173.1%
Feb 20173.0%
Jan 20173.0%
Dec 20163.1%
Nov 20163.2%
Oct 20163.2%
Sep 20163.1%
Aug 20163.0%
Jul 20163.0%
Jun 20162.9%
May 20162.9%
Apr 20162.8%
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 20152.9%
Jun 20152.9%
May 20152.9%
Apr 20152.9%
Mar 20152.9%
Feb 20153.0%
Jan 20153.0%

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 Hammersmith and Fulham

Next 12 months

Sale prices have an 80% chance of landing between £684,147 and £840,289 by August 2027.

Expected, August 2027
£762,218
Chance of a rise
55%

Affordability

At the average sale price, a home costs £754,825. With 10% down and a 30-year mortgage, the payment is £3,483 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
44%
Payment, one income
89%

New homes

84.2% fewer homes were started in the last 12 months than in an average year of the past decade.

Started, 12 months
70
Per 1,000 residents
0.4

Foreign buyers

Figures for United Kingdom: Hammersmith and Fulham 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 16 times since 1995. The deepest began in October 2007.

Deepest fall
−21.3%
Recovery from the low
17 months

People and new homes

In 2025 the population fell by 498 while 710 homes were finished.

Homes finished, 2025
710
Population change, 2025
−498

Empty homes

11.2% of the 92,893 homes counted in the 2021 census had nobody usually living in them.

Empty, 2021 census
11.2%
Empty homes
10,395

Renovation

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

Homes from existing buildings, 2025
8%