What can you afford in Kensington and Chelsea?

1,086 homes changed hands in Kensington and Chelsea over the last 12 months (Jul 2025 – Jun 2026). Half sold for £1,050,000 or less, a quarter for under £675,000, and three quarters for under £1,974,308. Buying the median home with a 10% deposit needs roughly a £210,000 salary at the typical 4.5× lending multiple , see what £100,000 takes home.

Affordability in one number: the median home here sold for 20.0× the local median full-time salary of £52,576 (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.

Run your own numberssalary → take-home → what it buys here

Sold prices · Kensington and Chelsea

£1,050,000

median sold price, Jul 2025 – Jun 2026

A quarter under: £675,000
Three quarters under: £1,974,308
Sales: 1,086
HPI average: £1,255,567

What each salary reaches here

Budget = 4.5× salary with a 10% deposit, against the 1,086 actual sales.

Salary	Budget	Share of sales in reach
£25,000	£125,000	under 1%
£35,000	£175,000	0.7%
£50,000	£250,000	2.3%
£75,000	£375,000	4.9%
£100,000	£500,000	11.9%

By property type · median sold price

And the salary that price implies, at 4.5× with 10% down.

Type	Median · sales	Salary needed
Flat	£880,000 · 864	≈£176,000
Terraced house	£3,332,500 · 198	≈£666,500

For context, the UK House Price Index puts Kensington and Chelsea average prices down 10.7% 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.