Rent vs buy calculator · England
Rent vs buy in Epsom and Ewell: is it cheaper to rent or buy?
Renting leaves you £46,303 better off after 7 years. Owning a 2-bed terraced house costs about £3,203 a month, against £1,667 to rent the same size home.
- After 7 years
- Rent +£46,303
- Difference in net wealth
- Monthly cost to own
- £3,203
- Mortgage £2,578, of which £778 is capital
- Monthly cost to rent
- £1,667
- Rent £1,479 plus council tax
- Median price
- £500,000
- terraced house
- Cash needed to buy
- £60,000
- £50,000 deposit + £10,000 SDLT
- Price-to-rent ratio
- 28.2
- Price divided by a year of rent
Renting vs buying in Epsom and Ewell by home size
| Bedrooms | Price | Rent / mo | Owning vs renting / mo | After 7 yrs |
|---|---|---|---|---|
| 1 bed | £313,000 | £1,182 | +£714 | Buy £6,871 |
| 2 bed | £500,000 | £1,479 | +£1,537 | Rent £46,303 |
| 3 bed | £630,000 | £1,870 | +£1,925 | Rent £69,383 |
| 4+ bed | £871,500 | £2,598 | +£2,643 | Rent £96,802 |
Average rent and house prices in Epsom and Ewell
The ONS average private rent in Epsom and Ewell is £1,690 a month (Aug 2026, provisional), up 1.6% on a year earlier. The median price paid is £560,000 (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 £2,250 a year (Band C) and is paid whether you rent or buy, so it does not change the verdict.
Renting or buying in Epsom and Ewell: FAQs
Is it cheaper to rent or buy in Epsom and Ewell?
For a 2-bed home in Epsom and Ewell, owning costs about £3,203 a month and renting about £1,667, both including council tax. Renting leaves you £46,303 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 Epsom and Ewell?
The ONS average private rent in Epsom and Ewell is £1,690 a month across all home sizes (Aug 2026, provisional), with £1,182 for 1 bed, £1,479 for 2 bed, £1,870 for 3 bed, £2,598 for 4 or more bed. Rents rose 1.6% over the past year.
What is the average house price in Epsom and Ewell?
The median price paid in Epsom and Ewell is £560,000 (ONS median price paid, year ending Mar 2026). The calculator uses £500,000 for a terraced house, the property type typical for a 2-bed home.
How much is stamp duty on an average home in Epsom and Ewell?
A first-time buyer paying £500,000 would pay £10,000 in SDLT. With a 10% deposit of £50,000, the cash needed on day one is about £60,000.
What is the price-to-rent ratio in Epsom and Ewell?
About 28.2: the 2-bed price is 28.2 times a year of rent. Higher ratios favour renting; lower ratios favour buying.
Which home size is best value to buy in Epsom and Ewell?
On the default assumptions, a 1-bed home gives buying its strongest position: buying ahead by £6,871 after 7 years.
Areas with a similar price-to-rent ratio
Browse every local authority.