What can you afford in Central Bedfordshire?
3,727 homes changed hands in Central Bedfordshire over the last 12 months (Jul 2025 – Jun 2026). Half sold for £362,500 or less, a quarter for under £287,972, and three quarters for under £460,000. Buying the median home with a 10% deposit needs roughly a £72,500 salary at the typical 4.5× lending multiple , see what £73,000 takes home.
Affordability in one number: the median home here sold for 8.3× the local median full-time salary of £43,645 (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 · Central Bedfordshire
£362,500
median sold price, Jul 2025 – Jun 2026
- A quarter under
- £287,972
- Three quarters under
- £460,000
- Sales
- 3,727
- HPI average
- £354,320
What each salary reaches here
Budget = 4.5× salary with a 10% deposit, against the 3,727 actual sales.
| Salary | Budget | Share of sales in reach |
|---|---|---|
| £25,000 | £125,000 | 3.2% |
| £35,000 | £175,000 | 6.2% |
| £50,000 | £250,000 | 16.6% |
| £75,000 | £375,000 | 55% |
| £100,000 | £500,000 | 81.3% |
By property type · median sold price
And the salary that price implies, at 4.5× with 10% down.
| Type | Median · sales | Salary needed |
|---|---|---|
| Flat | £190,000 · 445 | ≈£38,000 |
| Terraced house | £310,000 · 1,042 | ≈£62,000 |
| Semi-detached house | £375,000 · 1,254 | ≈£75,000 |
| Detached house | £520,000 · 986 | ≈£104,000 |
For context, the UK House Price Index puts Central Bedfordshire average prices up 1.8% over 12 months.
Nearby in the index
- Cannock Chase
- Canterbury
- Cardiff
- Carmarthenshire
- Castle Point
- Ceredigion
- Charnwood
- Chelmsford
- Cheltenham
- Cherwell
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.