Rent vs buy calculator · England
Rent vs buy in Maidstone: is it cheaper to rent or buy?
Buying leaves you £31,370 better off after 7 years. Owning a 2-bed terraced house costs about £2,003 a month, against £1,378 to rent the same size home.
- After 7 years
- Buy +£31,370
- Difference in net wealth
- Monthly cost to own
- £2,003
- Mortgage £1,547, of which £467 is capital
- Monthly cost to rent
- £1,378
- Rent £1,193 plus council tax
- Median price
- £300,000
- terraced house
- Cash needed to buy
- £30,000
- £30,000 deposit + £0 SDLT
- Price-to-rent ratio
- 21.0
- Price divided by a year of rent
Renting vs buying in Maidstone by home size
| Bedrooms | Price | Rent / mo | Owning vs renting / mo | After 7 yrs |
|---|---|---|---|---|
| 1 bed | £182,500 | £919 | +£195 | Buy £40,115 |
| 2 bed | £300,000 | £1,193 | +£625 | Buy £31,370 |
| 3 bed | £380,000 | £1,461 | +£836 | Buy £29,118 |
| 4+ bed | £560,000 | £1,970 | +£1,405 | Close £5,354 |
Average rent and house prices in Maidstone
The ONS average private rent in Maidstone is £1,297 a month (Aug 2026, provisional), up 3.0% on a year earlier. The median price paid is £360,000 (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 £2,225 a year (Band C) and is paid whether you rent or buy, so it does not change the verdict.
Renting or buying in Maidstone: FAQs
Is it cheaper to rent or buy in Maidstone?
For a 2-bed home in Maidstone, owning costs about £2,003 a month and renting about £1,378, both including council tax. Buying leaves you £31,370 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 Maidstone?
The ONS average private rent in Maidstone is £1,297 a month across all home sizes (Aug 2026, provisional), with £919 for 1 bed, £1,193 for 2 bed, £1,461 for 3 bed, £1,970 for 4 or more bed. Rents rose 3.0% over the past year.
What is the average house price in Maidstone?
The median price paid in Maidstone is £360,000 (ONS median price paid, year ending Mar 2026). The calculator uses £300,000 for a terraced house, the property type typical for a 2-bed home.
How much is stamp duty on an average home in Maidstone?
A first-time buyer paying £300,000 would pay £0 in SDLT. With a 10% deposit of £30,000, the cash needed on day one is about £30,000.
What is the price-to-rent ratio in Maidstone?
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 Maidstone?
On the default assumptions, a 1-bed home gives buying its strongest position: buying ahead by £40,115 after 7 years.
How many years until buying pays off in Maidstone?
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.