Rent vs buy calculator · England
Rent vs buy in Huntingdonshire: is it cheaper to rent or buy?
Buying leaves you £28,494 better off after 7 years. Owning a 2-bed terraced house costs about £1,738 a month, against £1,156 to rent the same size home.
- After 7 years
- Buy +£28,494
- Difference in net wealth
- Monthly cost to own
- £1,738
- Mortgage £1,315, of which £397 is capital
- Monthly cost to rent
- £1,156
- Rent £967 plus council tax
- Median price
- £255,000
- terraced house
- Cash needed to buy
- £25,500
- £25,500 deposit + £0 SDLT
- Price-to-rent ratio
- 22.0
- Price divided by a year of rent
Renting vs buying in Huntingdonshire by home size
| Bedrooms | Price | Rent / mo | Owning vs renting / mo | After 7 yrs |
|---|---|---|---|---|
| 1 bed | £170,000 | £745 | +£294 | Buy £29,654 |
| 2 bed | £255,000 | £967 | +£581 | Buy £28,494 |
| 3 bed | £297,500 | £1,170 | +£633 | Buy £39,088 |
| 4+ bed | £440,000 | £1,698 | +£959 | Buy £45,712 |
Average rent and house prices in Huntingdonshire
The ONS average private rent in Huntingdonshire is £1,057 a month (Aug 2026, provisional), up 3.7% on a year earlier. The median price paid is £316,750 (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 £2,272 a year (Band C) and is paid whether you rent or buy, so it does not change the verdict.
Renting or buying in Huntingdonshire: FAQs
Is it cheaper to rent or buy in Huntingdonshire?
For a 2-bed home in Huntingdonshire, owning costs about £1,738 a month and renting about £1,156, both including council tax. Buying leaves you £28,494 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 Huntingdonshire?
The ONS average private rent in Huntingdonshire is £1,057 a month across all home sizes (Aug 2026, provisional), with £745 for 1 bed, £967 for 2 bed, £1,170 for 3 bed, £1,698 for 4 or more bed. Rents rose 3.7% over the past year.
What is the average house price in Huntingdonshire?
The median price paid in Huntingdonshire is £316,750 (ONS median price paid, year ending Mar 2026). The calculator uses £255,000 for a terraced house, the property type typical for a 2-bed home.
How much is stamp duty on an average home in Huntingdonshire?
A first-time buyer paying £255,000 would pay £0 in SDLT. With a 10% deposit of £25,500, the cash needed on day one is about £25,500.
What is the price-to-rent ratio in Huntingdonshire?
About 22.0: the 2-bed price is 22.0 times a year of rent. Higher ratios favour renting; lower ratios favour buying.
Which home size is best value to buy in Huntingdonshire?
On the default assumptions, a 4+-bed home gives buying its strongest position: buying ahead by £45,712 after 7 years.
Areas with a similar price-to-rent ratio
Browse every local authority.