What can you afford in Bedford?
1,743 homes changed hands in Bedford over the last 12 months (Jul 2025 – Jun 2026). Half sold for £345,000 or less, a quarter for under £275,000, and three quarters for under £450,000. Buying the median home with a 10% deposit needs roughly a £69,000 salary at the typical 4.5× lending multiple , see what £69,000 takes home.
Affordability in one number: the median home here sold for 8.4× the local median full-time salary of £41,214 (ONS ASHE 2025). A typical lender stretches to about 4.5× one income plus your deposit, which is why the deposit and second incomes decide so much here.
Sold prices · Bedford
£345,000
median sold price, Jul 2025 – Jun 2026
- A quarter under
- £275,000
- Three quarters under
- £450,000
- Sales
- 1,743
- HPI average
- £332,893
What each salary reaches here
Budget = 4.5× salary with a 10% deposit, against the 1,743 actual sales.
| Salary | Budget | Share of sales in reach |
|---|---|---|
| £25,000 | £125,000 | 3% |
| £35,000 | £175,000 | 7% |
| £50,000 | £250,000 | 18.6% |
| £75,000 | £375,000 | 60% |
| £100,000 | £500,000 | 81.5% |
By property type · median sold price
And the salary that price implies, at 4.5× with 10% down.
| Type | Median · sales | Salary needed |
|---|---|---|
| Flat | £177,750 · 208 | ≈£35,550 |
| Terraced house | £290,000 · 420 | ≈£58,000 |
| Semi-detached house | £340,000 · 563 | ≈£68,000 |
| Detached house | £497,500 · 552 | ≈£99,500 |
For context, the UK House Price Index puts Bedford average prices up 6.7% over 12 months.
Nearby in the index
- Barnsley
- Basildon
- Basingstoke and Deane
- Bassetlaw
- Bath and North East Somerset
- Bexley
- Birmingham
- Blaby
- Blackburn with Darwen
- Blackpool
Sold prices: HM Land Registry Price Paid Data (standard residential sales), Jul 2025 – Jun 2026, standard residential sales, England & Wales. Averages: UK House Price Index (HM Land Registry / ONS). Lending estimates use a typical 4.5× single-income multiple and are not a mortgage offer or financial advice.