What can you afford in City of Derby?
2,489 homes changed hands in City of Derby over the last 12 months (Jul 2025 – Jun 2026). Half sold for £215,000 or less, a quarter for under £165,000, and three quarters for under £280,000. Buying the median home with a 10% deposit needs roughly a £43,000 salary at the typical 4.5× lending multiple , see what £43,000 takes home.
Affordability in one number: the median home here sold for 5.9× the local median full-time salary of £36,428 (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 · City of Derby
£215,000
median sold price, Jul 2025 – Jun 2026
- A quarter under
- £165,000
- Three quarters under
- £280,000
- Sales
- 2,489
- HPI average
- £205,425
What each salary reaches here
Budget = 4.5× salary with a 10% deposit, against the 2,489 actual sales.
| Salary | Budget | Share of sales in reach |
|---|---|---|
| £25,000 | £125,000 | 9.3% |
| £35,000 | £175,000 | 30% |
| £50,000 | £250,000 | 65% |
| £75,000 | £375,000 | 90% |
| £100,000 | £500,000 | 95.2% |
By property type · median sold price
And the salary that price implies, at 4.5× with 10% down.
| Type | Median · sales | Salary needed |
|---|---|---|
| Flat | £115,000 · 145 | ≈£23,000 |
| Terraced house | £164,000 · 635 | ≈£32,800 |
| Semi-detached house | £215,000 · 1,019 | ≈£43,000 |
| Detached house | £321,500 · 690 | ≈£64,300 |
For context, the UK House Price Index puts City of Derby average prices up 2% over 12 months.
Nearby in the index
- Cheshire West and Chester
- Chesterfield
- Chichester
- Chorley
- City of Bristol
- City of Kingston upon Hull
- City of London
- City of Nottingham
- City of Peterborough
- City of Plymouth
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.