Rent vs buy calculator · England
Rent vs buy in Buckinghamshire: is it cheaper to rent or buy?
Buying leaves you £45,089 better off after 7 years. Owning a 2-bed terraced house costs about £2,424 a month, against £1,497 to rent the same size home.
- After 7 years
- Buy +£45,089
- Difference in net wealth
- Monthly cost to own
- £2,424
- Mortgage £1,908, of which £576 is capital
- Monthly cost to rent
- £1,497
- Rent £1,310 plus council tax
- Median price
- £369,950
- terraced house
- Cash needed to buy
- £40,493
- £36,995 deposit + £3,498 SDLT
- Price-to-rent ratio
- 23.5
- Price divided by a year of rent
Renting vs buying in Buckinghamshire by home size
| Bedrooms | Price | Rent / mo | Owning vs renting / mo | After 7 yrs |
|---|---|---|---|---|
| 1 bed | £245,000 | £1,035 | +£453 | Buy £51,942 |
| 2 bed | £369,950 | £1,310 | +£927 | Buy £45,089 |
| 3 bed | £455,000 | £1,603 | +£1,143 | Buy £50,369 |
| 4+ bed | £730,000 | £2,357 | +£2,037 | Buy £36,827 |
Average rent and house prices in Buckinghamshire
The ONS average private rent in Buckinghamshire is £1,475 a month (Aug 2026, provisional), up 4.9% on a year earlier. The median price paid is £462,000 (ONS median price paid, year ending Mar 2026).
Default scenario: 2-bed home, 7 years stay, 10% deposit, 4.80% fixed mortgage, monthly difference invested in a S&S ISA at 7.5%. Council tax is £2,246 a year (Band C) and is paid whether you rent or buy, so it does not change the verdict.
Renting or buying in Buckinghamshire: FAQs
Is it cheaper to rent or buy in Buckinghamshire?
For a 2-bed home in Buckinghamshire, owning costs about £2,424 a month and renting about £1,497, both including council tax. Buying leaves you £45,089 better off after 7 years. This assumes a 2-bed home, 7 years stay, 10% deposit, 4.80% fixed mortgage, monthly difference invested in a S&S ISA at 7.5%.
What is the average rent in Buckinghamshire?
The ONS average private rent in Buckinghamshire is £1,475 a month across all home sizes (Aug 2026, provisional), with £1,035 for 1 bed, £1,310 for 2 bed, £1,603 for 3 bed, £2,357 for 4 or more bed. Rents rose 4.9% over the past year.
What is the average house price in Buckinghamshire?
The median price paid in Buckinghamshire is £462,000 (ONS median price paid, year ending Mar 2026). The calculator uses £369,950 for a terraced house, the property type typical for a 2-bed home.
How much is stamp duty on an average home in Buckinghamshire?
A first-time buyer paying £369,950 would pay £3,498 in SDLT. With a 10% deposit of £36,995, the cash needed on day one is about £40,493.
What is the price-to-rent ratio in Buckinghamshire?
About 23.5: the 2-bed price is 23.5 times a year of rent. Higher ratios favour renting; lower ratios favour buying.
Which home size is best value to buy in Buckinghamshire?
On the default assumptions, a 1-bed home gives buying its strongest position: buying ahead by £51,942 after 7 years.
Areas with a similar price-to-rent ratio
Browse every local authority.