Rent vs buy calculator · England
Rent vs buy in Horsham: is it cheaper to rent or buy?
Buying leaves you £35,691 better off after 7 years. Owning a 2-bed terraced house costs about £2,388 a month, against £1,533 to rent the same size home.
- After 7 years
- Buy +£35,691
- Difference in net wealth
- Monthly cost to own
- £2,388
- Mortgage £1,882, of which £568 is capital
- Monthly cost to rent
- £1,533
- Rent £1,352 plus council tax
- Median price
- £365,000
- terraced house
- Cash needed to buy
- £39,750
- £36,500 deposit + £3,250 SDLT
- Price-to-rent ratio
- 22.5
- Price divided by a year of rent
Renting vs buying in Horsham by home size
| Bedrooms | Price | Rent / mo | Owning vs renting / mo | After 7 yrs |
|---|---|---|---|---|
| 1 bed | £232,500 | £1,023 | +£391 | Buy £43,237 |
| 2 bed | £365,000 | £1,352 | +£855 | Buy £35,691 |
| 3 bed | £445,000 | £1,700 | +£987 | Buy £45,749 |
| 4+ bed | £695,000 | £2,429 | +£1,755 | Buy £26,892 |
Average rent and house prices in Horsham
The ONS average private rent in Horsham is £1,474 a month (Aug 2026, provisional), up 3.8% on a year earlier. The median price paid is £431,000 (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 £2,170 a year (Band C) and is paid whether you rent or buy, so it does not change the verdict.
Renting or buying in Horsham: FAQs
Is it cheaper to rent or buy in Horsham?
For a 2-bed home in Horsham, owning costs about £2,388 a month and renting about £1,533, both including council tax. Buying leaves you £35,691 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 Horsham?
The ONS average private rent in Horsham is £1,474 a month across all home sizes (Aug 2026, provisional), with £1,023 for 1 bed, £1,352 for 2 bed, £1,700 for 3 bed, £2,429 for 4 or more bed. Rents rose 3.8% over the past year.
What is the average house price in Horsham?
The median price paid in Horsham is £431,000 (ONS median price paid, year ending Mar 2026). The calculator uses £365,000 for a terraced house, the property type typical for a 2-bed home.
How much is stamp duty on an average home in Horsham?
A first-time buyer paying £365,000 would pay £3,250 in SDLT. With a 10% deposit of £36,500, the cash needed on day one is about £39,750.
What is the price-to-rent ratio in Horsham?
About 22.5: the 2-bed price is 22.5 times a year of rent. Higher ratios favour renting; lower ratios favour buying.
Which home size is best value to buy in Horsham?
On the default assumptions, a 3-bed home gives buying its strongest position: buying ahead by £45,749 after 7 years.
How many years until buying pays off in Horsham?
The lead first changes hands in year 2 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.