Rent vs buy calculator · England
Rent vs buy in Hart: is it cheaper to rent or buy?
Buying leaves you £9,339 better off after 7 years. Owning a 2-bed terraced house costs about £2,475 a month, against £1,481 to rent the same size home.
- After 7 years
- Buy +£9,339
- Difference in net wealth
- Monthly cost to own
- £2,475
- Mortgage £1,960, of which £592 is capital
- Monthly cost to rent
- £1,481
- Rent £1,303 plus council tax
- Median price
- £380,000
- terraced house
- Cash needed to buy
- £42,000
- £38,000 deposit + £4,000 SDLT
- Price-to-rent ratio
- 24.3
- Price divided by a year of rent
Renting vs buying in Hart by home size
| Bedrooms | Price | Rent / mo | Owning vs renting / mo | After 7 yrs |
|---|---|---|---|---|
| 1 bed | £229,000 | £1,023 | +£370 | Buy £35,011 |
| 2 bed | £380,000 | £1,303 | +£994 | Buy £9,339 |
| 3 bed | £470,000 | £1,581 | +£1,255 | Close £3,755 |
| 4+ bed | £670,000 | £2,301 | +£1,733 | Close £4,394 |
Average rent and house prices in Hart
The ONS average private rent in Hart is £1,414 a month (Aug 2026, provisional), up 2.9% on a year earlier. The median price paid is £450,000 (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 £2,133 a year (Band C) and is paid whether you rent or buy, so it does not change the verdict.
Renting or buying in Hart: FAQs
Is it cheaper to rent or buy in Hart?
For a 2-bed home in Hart, owning costs about £2,475 a month and renting about £1,481, both including council tax. Buying leaves you £9,339 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 Hart?
The ONS average private rent in Hart is £1,414 a month across all home sizes (Aug 2026, provisional), with £1,023 for 1 bed, £1,303 for 2 bed, £1,581 for 3 bed, £2,301 for 4 or more bed. Rents rose 2.9% over the past year.
What is the average house price in Hart?
The median price paid in Hart is £450,000 (ONS median price paid, year ending Mar 2026). The calculator uses £380,000 for a terraced house, the property type typical for a 2-bed home.
How much is stamp duty on an average home in Hart?
A first-time buyer paying £380,000 would pay £4,000 in SDLT. With a 10% deposit of £38,000, the cash needed on day one is about £42,000.
What is the price-to-rent ratio in Hart?
About 24.3: the 2-bed price is 24.3 times a year of rent. Higher ratios favour renting; lower ratios favour buying.
Which home size is best value to buy in Hart?
On the default assumptions, a 1-bed home gives buying its strongest position: buying ahead by £35,011 after 7 years.
How many years until buying pays off in Hart?
The lead first changes hands in year 4 on the default settings. Staying longer spreads stamp duty and selling costs over more years.
Areas with a similar price-to-rent ratio
Browse every local authority.