What can you afford in Sutton?
1,748 homes changed hands in Sutton over the last 12 months (Jul 2025 – Jun 2026). Half sold for £460,000 or less, a quarter for under £325,000, and three quarters for under £600,000. Buying the median home with a 10% deposit needs roughly a £92,000 salary at the typical 4.5× lending multiple , see what £92,000 takes home.
Affordability in one number: the median home here sold for 10.4× the local median full-time salary of £44,393 (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 · Sutton
£460,000
median sold price, Jul 2025 – Jun 2026
- A quarter under
- £325,000
- Three quarters under
- £600,000
- Sales
- 1,748
- HPI average
- £445,451
What each salary reaches here
Budget = 4.5× salary with a 10% deposit, against the 1,748 actual sales.
| Salary | Budget | Share of sales in reach |
|---|---|---|
| £25,000 | £125,000 | 0.9% |
| £35,000 | £175,000 | 3% |
| £50,000 | £250,000 | 10% |
| £75,000 | £375,000 | 35% |
| £100,000 | £500,000 | 57.8% |
By property type · median sold price
And the salary that price implies, at 4.5× with 10% down.
| Type | Median · sales | Salary needed |
|---|---|---|
| Flat | £292,000 · 617 | ≈£58,400 |
| Terraced house | £485,000 · 554 | ≈£97,000 |
| Semi-detached house | £611,250 · 452 | ≈£122,250 |
| Detached house | £885,000 · 125 | ≈£177,000 |
For context, the UK House Price Index puts Sutton average prices up 0.9% 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.