Rent vs buy calculator · England
Rent vs buy in Derbyshire Dales: is it cheaper to rent or buy?
Buying leaves you £64,300 better off after 7 years. Owning a 2-bed terraced house costs about £1,610 a month, against £941 to rent the same size home.
- After 7 years
- Buy +£64,300
- Difference in net wealth
- Monthly cost to own
- £1,610
- Mortgage £1,212, of which £366 is capital
- Monthly cost to rent
- £941
- Rent £760 plus council tax
- Median price
- £235,000
- terraced house
- Cash needed to buy
- £23,500
- £23,500 deposit + £0 SDLT
- Price-to-rent ratio
- 25.8
- Price divided by a year of rent
Renting vs buying in Derbyshire Dales by home size
| Bedrooms | Price | Rent / mo | Owning vs renting / mo | After 7 yrs |
|---|---|---|---|---|
| 1 bed | £180,000 | £593 | +£506 | Buy £49,557 |
| 2 bed | £235,000 | £760 | +£669 | Buy £64,300 |
| 3 bed | £275,000 | £909 | +£759 | Buy £78,717 |
| 4+ bed | £463,500 | £1,352 | +£1,445 | Buy £100,113 |
Average rent and house prices in Derbyshire Dales
The ONS average private rent in Derbyshire Dales is £819 a month (Aug 2026, provisional), up 9.0% on a year earlier. The median price paid is £318,500 (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 £2,173 a year (Band C) and is paid whether you rent or buy, so it does not change the verdict.
Renting or buying in Derbyshire Dales: FAQs
Is it cheaper to rent or buy in Derbyshire Dales?
For a 2-bed home in Derbyshire Dales, owning costs about £1,610 a month and renting about £941, both including council tax. Buying leaves you £64,300 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 Derbyshire Dales?
The ONS average private rent in Derbyshire Dales is £819 a month across all home sizes (Aug 2026, provisional), with £593 for 1 bed, £760 for 2 bed, £909 for 3 bed, £1,352 for 4 or more bed. Rents rose 9.0% over the past year.
What is the average house price in Derbyshire Dales?
The median price paid in Derbyshire Dales is £318,500 (ONS median price paid, year ending Mar 2026). The calculator uses £235,000 for a terraced house, the property type typical for a 2-bed home.
How much is stamp duty on an average home in Derbyshire Dales?
A first-time buyer paying £235,000 would pay £0 in SDLT. With a 10% deposit of £23,500, the cash needed on day one is about £23,500.
What is the price-to-rent ratio in Derbyshire Dales?
About 25.8: the 2-bed price is 25.8 times a year of rent. Higher ratios favour renting; lower ratios favour buying.
Which home size is best value to buy in Derbyshire Dales?
On the default assumptions, a 4+-bed home gives buying its strongest position: buying ahead by £100,113 after 7 years.
Areas with a similar price-to-rent ratio
Browse every local authority.