What can you afford in Harlow?
857 homes changed hands in Harlow over the last 12 months (Jul 2025 – Jun 2026). Half sold for £338,000 or less, a quarter for under £280,000, and three quarters for under £407,500. Buying the median home with a 10% deposit needs roughly a £67,600 salary at the typical 4.5× lending multiple , see what £68,000 takes home.
Affordability in one number: the median home here sold for 8.8× the local median full-time salary of £38,380 (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 · Harlow
£338,000
median sold price, Jul 2025 – Jun 2026
- A quarter under
- £280,000
- Three quarters under
- £407,500
- Sales
- 857
- HPI average
- £313,497
What each salary reaches here
Budget = 4.5× salary with a 10% deposit, against the 857 actual sales.
| Salary | Budget | Share of sales in reach |
|---|---|---|
| £25,000 | £125,000 | 1.9% |
| £35,000 | £175,000 | 5% |
| £50,000 | £250,000 | 20% |
| £75,000 | £375,000 | 67% |
| £100,000 | £500,000 | 89.6% |
By property type · median sold price
And the salary that price implies, at 4.5× with 10% down.
| Type | Median · sales | Salary needed |
|---|---|---|
| Flat | £211,250 · 186 | ≈£42,250 |
| Terraced house | £335,000 · 429 | ≈£67,000 |
| Semi-detached house | £425,000 · 130 | ≈£85,000 |
| Detached house | £524,100 · 112 | ≈£104,820 |
For context, the UK House Price Index puts Harlow average prices up 1.8% 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.