Rent vs buy calculator · England
Rent vs buy in Fylde: is it cheaper to rent or buy?
Buying leaves you £43,720 better off after 7 years. Owning a 2-bed terraced house costs about £1,279 a month, against £971 to rent the same size home.
- After 7 years
- Buy +£43,720
- Difference in net wealth
- Monthly cost to own
- £1,279
- Mortgage £924, of which £279 is capital
- Monthly cost to rent
- £971
- Rent £787 plus council tax
- Median price
- £179,250
- terraced house
- Cash needed to buy
- £17,925
- £17,925 deposit + £0 SDLT
- Price-to-rent ratio
- 19.0
- Price divided by a year of rent
Renting vs buying in Fylde by home size
| Bedrooms | Price | Rent / mo | Owning vs renting / mo | After 7 yrs |
|---|---|---|---|---|
| 1 bed | £122,000 | £611 | +£141 | Buy £38,289 |
| 2 bed | £179,250 | £787 | +£308 | Buy £43,720 |
| 3 bed | £228,500 | £945 | +£445 | Buy £49,582 |
| 4+ bed | £345,000 | £1,404 | +£683 | Buy £71,304 |
Average rent and house prices in Fylde
The ONS average private rent in Fylde is £870 a month (Aug 2026, provisional), up 5.3% on a year earlier. The median price paid is £237,750 (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 £2,208 a year (Band C) and is paid whether you rent or buy, so it does not change the verdict.
Renting or buying in Fylde: FAQs
Is it cheaper to rent or buy in Fylde?
For a 2-bed home in Fylde, owning costs about £1,279 a month and renting about £971, both including council tax. Buying leaves you £43,720 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 Fylde?
The ONS average private rent in Fylde is £870 a month across all home sizes (Aug 2026, provisional), with £611 for 1 bed, £787 for 2 bed, £945 for 3 bed, £1,404 for 4 or more bed. Rents rose 5.3% over the past year.
What is the average house price in Fylde?
The median price paid in Fylde is £237,750 (ONS median price paid, year ending Mar 2026). The calculator uses £179,250 for a terraced house, the property type typical for a 2-bed home.
How much is stamp duty on an average home in Fylde?
A first-time buyer paying £179,250 would pay £0 in SDLT. With a 10% deposit of £17,925, the cash needed on day one is about £17,925.
What is the price-to-rent ratio in Fylde?
About 19.0: the 2-bed price is 19.0 times a year of rent. Higher ratios favour renting; lower ratios favour buying.
Which home size is best value to buy in Fylde?
On the default assumptions, a 4+-bed home gives buying its strongest position: buying ahead by £71,304 after 7 years.
Areas with a similar price-to-rent ratio
Browse every local authority.