Rent vs buy calculator · England
Rent vs buy in Kingston upon Thames: is it cheaper to rent or buy?
Renting leaves you £124,851 better off after 7 years. Owning a 2-bed terraced house costs about £3,748 a month, against £1,948 to rent the same size home.
- After 7 years
- Rent +£124,851
- Difference in net wealth
- Monthly cost to own
- £3,748
- Mortgage £3,043, of which £919 is capital
- Monthly cost to rent
- £1,948
- Rent £1,755 plus council tax
- Median price
- £590,000
- terraced house
- Cash needed to buy
- £78,500
- £59,000 deposit + £19,500 SDLT
- Price-to-rent ratio
- 28.0
- Price divided by a year of rent
Renting vs buying in Kingston upon Thames by home size
| Bedrooms | Price | Rent / mo | Owning vs renting / mo | After 7 yrs |
|---|---|---|---|---|
| 1 bed | £372,500 | £1,379 | +£873 | Rent £38,325 |
| 2 bed | £590,000 | £1,755 | +£1,800 | Rent £124,851 |
| 3 bed | £775,000 | £2,154 | +£2,509 | Rent £181,631 |
| 4+ bed | £1,027,500 | £2,836 | +£3,340 | Rent £252,410 |
Average rent and house prices in Kingston upon Thames
The ONS average private rent in Kingston upon Thames is £1,811 a month (Aug 2026, provisional), up -1.2% on a year earlier. The median price paid is £550,000 (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 £2,319 a year (Band C) and is paid whether you rent or buy, so it does not change the verdict.
Renting or buying in Kingston upon Thames: FAQs
Is it cheaper to rent or buy in Kingston upon Thames?
For a 2-bed home in Kingston upon Thames, owning costs about £3,748 a month and renting about £1,948, both including council tax. Renting leaves you £124,851 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 Kingston upon Thames?
The ONS average private rent in Kingston upon Thames is £1,811 a month across all home sizes (Aug 2026, provisional), with £1,379 for 1 bed, £1,755 for 2 bed, £2,154 for 3 bed, £2,836 for 4 or more bed. Rents rose -1.2% over the past year.
What is the average house price in Kingston upon Thames?
The median price paid in Kingston upon Thames is £550,000 (ONS median price paid, year ending Mar 2026). The calculator uses £590,000 for a terraced house, the property type typical for a 2-bed home.
How much is stamp duty on an average home in Kingston upon Thames?
A first-time buyer paying £590,000 would pay £19,500 in SDLT. With a 10% deposit of £59,000, the cash needed on day one is about £78,500.
What is the price-to-rent ratio in Kingston upon Thames?
About 28.0: the 2-bed price is 28.0 times a year of rent. Higher ratios favour renting; lower ratios favour buying.
Which home size is best value to buy in Kingston upon Thames?
On the default assumptions, a 1-bed home gives buying its strongest position: renting still ahead by £38,325 after 7 years.
Areas with a similar price-to-rent ratio
Browse every local authority.