What can you afford in St Albans?
1,554 homes changed hands in St Albans over the last 12 months (Jul 2025 – Jun 2026). Half sold for £615,000 or less, a quarter for under £424,250, and three quarters for under £860,000. Buying the median home with a 10% deposit needs roughly a £123,000 salary at the typical 4.5× lending multiple , see what £100,000 takes home.
Affordability in one number: the median home here sold for 10.7× the local median full-time salary of £57,396 (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 · St Albans
£615,000
median sold price, Jul 2025 – Jun 2026
- A quarter under
- £424,250
- Three quarters under
- £860,000
- Sales
- 1,554
- HPI average
- £638,489
What each salary reaches here
Budget = 4.5× salary with a 10% deposit, against the 1,554 actual sales.
| Salary | Budget | Share of sales in reach |
|---|---|---|
| £25,000 | £125,000 | under 1% |
| £35,000 | £175,000 | 2% |
| £50,000 | £250,000 | 5% |
| £75,000 | £375,000 | 18.7% |
| £100,000 | £500,000 | 34.3% |
By property type · median sold price
And the salary that price implies, at 4.5× with 10% down.
| Type | Median · sales | Salary needed |
|---|---|---|
| Flat | £328,000 · 374 | ≈£65,600 |
| Terraced house | £570,000 · 431 | ≈£114,000 |
| Semi-detached house | £726,000 · 405 | ≈£145,200 |
| Detached house | £950,000 · 344 | ≈£190,000 |
For context, the UK House Price Index puts St Albans average prices up 3% over 12 months.
Nearby in the index
- South Tyneside
- Southampton
- Southend-on-Sea
- Southwark
- Spelthorne
- St Helens
- Stafford
- Staffordshire Moorlands
- Stevenage
- Stockport
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.