What can you afford in Havering?
2,514 homes changed hands in Havering over the last 12 months (Jul 2025 – Jun 2026). Half sold for £450,000 or less, a quarter for under £375,000, and three quarters for under £550,000. Buying the median home with a 10% deposit needs roughly a £90,000 salary at the typical 4.5× lending multiple , see what £90,000 takes home.
Affordability in one number: the median home here sold for 9.8× the local median full-time salary of £46,045 (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 · Havering
£450,000
median sold price, Jul 2025 – Jun 2026
- A quarter under
- £375,000
- Three quarters under
- £550,000
- Sales
- 2,514
- HPI average
- £452,798
What each salary reaches here
Budget = 4.5× salary with a 10% deposit, against the 2,514 actual sales.
| Salary | Budget | Share of sales in reach |
|---|---|---|
| £25,000 | £125,000 | 1.9% |
| £35,000 | £175,000 | 3.8% |
| £50,000 | £250,000 | 9.3% |
| £75,000 | £375,000 | 25% |
| £100,000 | £500,000 | 65% |
By property type · median sold price
And the salary that price implies, at 4.5× with 10% down.
| Type | Median · sales | Salary needed |
|---|---|---|
| Flat | £264,500 · 502 | ≈£52,900 |
| Terraced house | £435,000 · 806 | ≈£87,000 |
| Semi-detached house | £515,000 · 985 | ≈£103,000 |
| Detached house | £700,000 · 221 | ≈£140,000 |
For context, the UK House Price Index puts Havering average prices up 2.8% 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.