Rent vs buy calculator · England
Rent vs buy in Camden: is it cheaper to rent or buy?
Renting leaves you £587,170 better off after 7 years. Owning a 2-bed terraced house costs about £10,570 a month, against £2,785 to rent the same size home.
- After 7 years
- Rent +£587,170
- Difference in net wealth
- Monthly cost to own
- £10,570
- Mortgage £8,941, of which £2,699 is capital
- Monthly cost to rent
- £2,785
- Rent £2,621 plus council tax
- Median price
- £1,733,750
- terraced house
- Cash needed to buy
- £295,175
- £173,375 deposit + £121,800 SDLT
- Price-to-rent ratio
- 55.1
- Price divided by a year of rent
Renting vs buying in Camden by home size
| Bedrooms | Price | Rent / mo | Owning vs renting / mo | After 7 yrs |
|---|---|---|---|---|
| 1 bed | £695,000 | £2,054 | +£2,130 | Rent £94,852 |
| 2 bed | £1,733,750 | £2,621 | +£7,786 | Rent £587,170 |
| 3 bed | £2,830,000 | £3,055 | +£13,918 | Rent £1,169,051 |
| 4+ bed | £4,047,500 | £3,967 | +£20,300 | Rent £1,768,249 |
Average rent and house prices in Camden
The ONS average private rent in Camden is £2,819 a month (Aug 2026, provisional), up 1.0% on a year earlier. The median price paid is £795,000 (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 £1,962 a year (Band C) and is paid whether you rent or buy, so it does not change the verdict.
Renting or buying in Camden: FAQs
Is it cheaper to rent or buy in Camden?
For a 2-bed home in Camden, owning costs about £10,570 a month and renting about £2,785, both including council tax. Renting leaves you £587,170 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 Camden?
The ONS average private rent in Camden is £2,819 a month across all home sizes (Aug 2026, provisional), with £2,054 for 1 bed, £2,621 for 2 bed, £3,055 for 3 bed, £3,967 for 4 or more bed. Rents rose 1.0% over the past year.
What is the average house price in Camden?
The median price paid in Camden is £795,000 (ONS median price paid, year ending Mar 2026). The calculator uses £1,733,750 for a terraced house, the property type typical for a 2-bed home.
How much is stamp duty on an average home in Camden?
A first-time buyer paying £1,733,750 would pay £121,800 in SDLT. With a 10% deposit of £173,375, the cash needed on day one is about £295,175.
What is the price-to-rent ratio in Camden?
About 55.1: the 2-bed price is 55.1 times a year of rent. Higher ratios favour renting; lower ratios favour buying.
Which home size is best value to buy in Camden?
On the default assumptions, a 1-bed home gives buying its strongest position: renting still ahead by £94,852 after 7 years.
Areas with a similar price-to-rent ratio
Browse every local authority.