Rent vs buy calculator · England
Rent vs buy in Havant: is it cheaper to rent or buy?
Buying leaves you £29,566 better off after 7 years. Owning a 2-bed terraced house costs about £1,834 a month, against £1,257 to rent the same size home.
- After 7 years
- Buy +£29,566
- Difference in net wealth
- Monthly cost to own
- £1,834
- Mortgage £1,413, of which £427 is capital
- Monthly cost to rent
- £1,257
- Rent £1,085 plus council tax
- Median price
- £274,000
- terraced house
- Cash needed to buy
- £27,400
- £27,400 deposit + £0 SDLT
- Price-to-rent ratio
- 21.0
- Price divided by a year of rent
Renting vs buying in Havant by home size
| Bedrooms | Price | Rent / mo | Owning vs renting / mo | After 7 yrs |
|---|---|---|---|---|
| 1 bed | £162,500 | £852 | +£142 | Buy £40,652 |
| 2 bed | £274,000 | £1,085 | +£577 | Buy £29,566 |
| 3 bed | £333,000 | £1,354 | +£662 | Buy £38,679 |
| 4+ bed | £475,000 | £1,895 | +£971 | Buy £43,304 |
Average rent and house prices in Havant
The ONS average private rent in Havant is £1,151 a month (Aug 2026, provisional), up 3.1% on a year earlier. The median price paid is £317,500 (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 £2,062 a year (Band C) and is paid whether you rent or buy, so it does not change the verdict.
Renting or buying in Havant: FAQs
Is it cheaper to rent or buy in Havant?
For a 2-bed home in Havant, owning costs about £1,834 a month and renting about £1,257, both including council tax. Buying leaves you £29,566 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 Havant?
The ONS average private rent in Havant is £1,151 a month across all home sizes (Aug 2026, provisional), with £852 for 1 bed, £1,085 for 2 bed, £1,354 for 3 bed, £1,895 for 4 or more bed. Rents rose 3.1% over the past year.
What is the average house price in Havant?
The median price paid in Havant is £317,500 (ONS median price paid, year ending Mar 2026). The calculator uses £274,000 for a terraced house, the property type typical for a 2-bed home.
How much is stamp duty on an average home in Havant?
A first-time buyer paying £274,000 would pay £0 in SDLT. With a 10% deposit of £27,400, the cash needed on day one is about £27,400.
What is the price-to-rent ratio in Havant?
About 21.0: the 2-bed price is 21.0 times a year of rent. Higher ratios favour renting; lower ratios favour buying.
Which home size is best value to buy in Havant?
On the default assumptions, a 4+-bed home gives buying its strongest position: buying ahead by £43,304 after 7 years.
Areas with a similar price-to-rent ratio
Browse every local authority.