Rent vs buy calculator · England
Rent vs buy in Maldon: is it cheaper to rent or buy?
Buying leaves you £21,210 better off after 7 years. Owning a 2-bed terraced house costs about £1,953 a month, against £1,206 to rent the same size home.
- After 7 years
- Buy +£21,210
- Difference in net wealth
- Monthly cost to own
- £1,953
- Mortgage £1,515, of which £457 is capital
- Monthly cost to rent
- £1,206
- Rent £1,033 plus council tax
- Median price
- £293,750
- terraced house
- Cash needed to buy
- £29,375
- £29,375 deposit + £0 SDLT
- Price-to-rent ratio
- 23.7
- Price divided by a year of rent
Renting vs buying in Maldon by home size
| Bedrooms | Price | Rent / mo | Owning vs renting / mo | After 7 yrs |
|---|---|---|---|---|
| 1 bed | £194,500 | £796 | +£390 | Buy £25,594 |
| 2 bed | £293,750 | £1,033 | +£747 | Buy £21,210 |
| 3 bed | £345,000 | £1,245 | +£842 | Buy £26,120 |
| 4+ bed | £515,000 | £1,905 | +£1,201 | Buy £28,004 |
Average rent and house prices in Maldon
The ONS average private rent in Maldon is £1,139 a month (Aug 2026, provisional), up 3.5% on a year earlier. The median price paid is £387,635 (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 £2,070 a year (Band C) and is paid whether you rent or buy, so it does not change the verdict.
Renting or buying in Maldon: FAQs
Is it cheaper to rent or buy in Maldon?
For a 2-bed home in Maldon, owning costs about £1,953 a month and renting about £1,206, both including council tax. Buying leaves you £21,210 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 Maldon?
The ONS average private rent in Maldon is £1,139 a month across all home sizes (Aug 2026, provisional), with £796 for 1 bed, £1,033 for 2 bed, £1,245 for 3 bed, £1,905 for 4 or more bed. Rents rose 3.5% over the past year.
What is the average house price in Maldon?
The median price paid in Maldon is £387,635 (ONS median price paid, year ending Mar 2026). The calculator uses £293,750 for a terraced house, the property type typical for a 2-bed home.
How much is stamp duty on an average home in Maldon?
A first-time buyer paying £293,750 would pay £0 in SDLT. With a 10% deposit of £29,375, the cash needed on day one is about £29,375.
What is the price-to-rent ratio in Maldon?
About 23.7: the 2-bed price is 23.7 times a year of rent. Higher ratios favour renting; lower ratios favour buying.
Which home size is best value to buy in Maldon?
On the default assumptions, a 4+-bed home gives buying its strongest position: buying ahead by £28,004 after 7 years.
How many years until buying pays off in Maldon?
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.