What can you afford in Cotswold?
1,148 homes changed hands in Cotswold over the last 12 months (Jul 2025 – Jun 2026). Half sold for £440,000 or less, a quarter for under £325,000, and three quarters for under £658,125. Buying the median home with a 10% deposit needs roughly a £88,000 salary at the typical 4.5× lending multiple , see what £88,000 takes home.
Affordability in one number: the median home here sold for 10.7× the local median full-time salary of £41,267 (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 · Cotswold
£440,000
median sold price, Jul 2025 – Jun 2026
- A quarter under
- £325,000
- Three quarters under
- £658,125
- Sales
- 1,148
- HPI average
- £408,433
What each salary reaches here
Budget = 4.5× salary with a 10% deposit, against the 1,148 actual sales.
| Salary | Budget | Share of sales in reach |
|---|---|---|
| £25,000 | £125,000 | 2.2% |
| £35,000 | £175,000 | 4.4% |
| £50,000 | £250,000 | 10.9% |
| £75,000 | £375,000 | 36.2% |
| £100,000 | £500,000 | 59.3% |
By property type · median sold price
And the salary that price implies, at 4.5× with 10% down.
| Type | Median · sales | Salary needed |
|---|---|---|
| Flat | £205,000 · 98 | ≈£41,000 |
| Terraced house | £340,000 · 299 | ≈£68,000 |
| Semi-detached house | £400,000 · 300 | ≈£80,000 |
| Detached house | £652,000 · 451 | ≈£130,400 |
For context, the UK House Price Index puts Cotswold average prices up 3.9% over 12 months.
Nearby in the index
- City of Plymouth
- City of Westminster
- Colchester
- Conwy
- Cornwall
- County Durham
- Coventry
- Crawley
- Croydon
- Cumberland
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.