Rent vs buy calculator · England
Rent vs buy in Hillingdon: is it cheaper to rent or buy?
Renting leaves you £25,408 better off after 7 years. Owning a 2-bed terraced house costs about £3,197 a month, against £1,738 to rent the same size home.
- After 7 years
- Rent +£25,408
- Difference in net wealth
- Monthly cost to own
- £3,197
- Mortgage £2,604, of which £786 is capital
- Monthly cost to rent
- £1,738
- Rent £1,586 plus council tax
- Median price
- £505,000
- terraced house
- Cash needed to buy
- £65,750
- £50,500 deposit + £15,250 SDLT
- Price-to-rent ratio
- 26.5
- Price divided by a year of rent
Renting vs buying in Hillingdon by home size
| Bedrooms | Price | Rent / mo | Owning vs renting / mo | After 7 yrs |
|---|---|---|---|---|
| 1 bed | £307,750 | £1,252 | +£612 | Buy £29,288 |
| 2 bed | £505,000 | £1,586 | +£1,460 | Rent £25,408 |
| 3 bed | £570,000 | £1,913 | +£1,522 | Rent £15,729 |
| 4+ bed | £837,500 | £2,634 | +£2,404 | Rent £46,617 |
Average rent and house prices in Hillingdon
The ONS average private rent in Hillingdon is £1,570 a month (Aug 2026, provisional), up 2.5% on a year earlier. The median price paid is £506,500 (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 £1,818 a year (Band C) and is paid whether you rent or buy, so it does not change the verdict.
Renting or buying in Hillingdon: FAQs
Is it cheaper to rent or buy in Hillingdon?
For a 2-bed home in Hillingdon, owning costs about £3,197 a month and renting about £1,738, both including council tax. Renting leaves you £25,408 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 Hillingdon?
The ONS average private rent in Hillingdon is £1,570 a month across all home sizes (Aug 2026, provisional), with £1,252 for 1 bed, £1,586 for 2 bed, £1,913 for 3 bed, £2,634 for 4 or more bed. Rents rose 2.5% over the past year.
What is the average house price in Hillingdon?
The median price paid in Hillingdon is £506,500 (ONS median price paid, year ending Mar 2026). The calculator uses £505,000 for a terraced house, the property type typical for a 2-bed home.
How much is stamp duty on an average home in Hillingdon?
A first-time buyer paying £505,000 would pay £15,250 in SDLT. With a 10% deposit of £50,500, the cash needed on day one is about £65,750.
What is the price-to-rent ratio in Hillingdon?
About 26.5: the 2-bed price is 26.5 times a year of rent. Higher ratios favour renting; lower ratios favour buying.
Which home size is best value to buy in Hillingdon?
On the default assumptions, a 1-bed home gives buying its strongest position: buying ahead by £29,288 after 7 years.
Areas with a similar price-to-rent ratio
Browse every local authority.