What can you afford in Monmouthshire?
1,038 homes changed hands in Monmouthshire over the last 12 months (Jul 2025 – Jun 2026). Half sold for £320,000 or less, a quarter for under £250,000, and three quarters for under £435,000. Buying the median home with a 10% deposit needs roughly a £64,000 salary at the typical 4.5× lending multiple , see what £64,000 takes home.
Affordability in one number: the median home here sold for 7.7× the local median full-time salary of £41,529 (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 · Monmouthshire
£320,000
median sold price, Jul 2025 – Jun 2026
- A quarter under
- £250,000
- Three quarters under
- £435,000
- Sales
- 1,038
- HPI average
- £325,582
What each salary reaches here
Budget = 4.5× salary with a 10% deposit, against the 1,038 actual sales.
| Salary | Budget | Share of sales in reach |
|---|---|---|
| £25,000 | £125,000 | 2.3% |
| £35,000 | £175,000 | 4.8% |
| £50,000 | £250,000 | 25% |
| £75,000 | £375,000 | 65% |
| £100,000 | £500,000 | 83.3% |
By property type · median sold price
And the salary that price implies, at 4.5× with 10% down.
| Type | Median · sales | Salary needed |
|---|---|---|
| Flat | £175,000 · 53 | ≈£35,000 |
| Terraced house | £249,995 · 234 | ≈£49,999 |
| Semi-detached house | £280,000 · 298 | ≈£56,000 |
| Detached house | £435,000 · 453 | ≈£87,000 |
For context, the UK House Price Index puts Monmouthshire average prices down 1.7% over 12 months.
Nearby in the index
- Mid Suffolk
- Mid Sussex
- Middlesbrough
- Milton Keynes
- Mole Valley
- Neath Port Talbot
- New Forest
- Newark and Sherwood
- Newcastle upon Tyne
- Newcastle-under-Lyme
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.