What can you afford in Cambridge?
1,012 homes changed hands in Cambridge over the last 12 months (Jul 2025 – Jun 2026). Half sold for £490,000 or less, a quarter for under £380,000, and three quarters for under £660,000. Buying the median home with a 10% deposit needs roughly a £98,000 salary at the typical 4.5× lending multiple , see what £98,000 takes home.
Affordability in one number: the median home here sold for 11.2× the local median full-time salary of £43,741 (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 · Cambridge
£490,000
median sold price, Jul 2025 – Jun 2026
- A quarter under
- £380,000
- Three quarters under
- £660,000
- Sales
- 1,012
- HPI average
- £467,028
What each salary reaches here
Budget = 4.5× salary with a 10% deposit, against the 1,012 actual sales.
| Salary | Budget | Share of sales in reach |
|---|---|---|
| £25,000 | £125,000 | 1.6% |
| £35,000 | £175,000 | 3.2% |
| £50,000 | £250,000 | 7.1% |
| £75,000 | £375,000 | 24.2% |
| £100,000 | £500,000 | 52% |
By property type · median sold price
And the salary that price implies, at 4.5× with 10% down.
| Type | Median · sales | Salary needed |
|---|---|---|
| Flat | £335,000 · 286 | ≈£67,000 |
| Terraced house | £500,000 · 403 | ≈£100,000 |
| Semi-detached house | £555,281 · 222 | ≈£111,056 |
| Detached house | £830,000 · 101 | ≈£166,000 |
For context, the UK House Price Index puts Cambridge average prices down 1.6% over 12 months.
Nearby in the index
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.