Rent vs buy calculator · England
Rent vs buy in Mole Valley: is it cheaper to rent or buy?
Renting leaves you £11,385 better off after 7 years. Owning a 2-bed terraced house costs about £2,903 a month, against £1,642 to rent the same size home.
- After 7 years
- Rent +£11,385
- Difference in net wealth
- Monthly cost to own
- £2,903
- Mortgage £2,321, of which £701 is capital
- Monthly cost to rent
- £1,642
- Rent £1,455 plus council tax
- Median price
- £450,000
- terraced house
- Cash needed to buy
- £52,500
- £45,000 deposit + £7,500 SDLT
- Price-to-rent ratio
- 25.8
- Price divided by a year of rent
Renting vs buying in Mole Valley by home size
| Bedrooms | Price | Rent / mo | Owning vs renting / mo | After 7 yrs |
|---|---|---|---|---|
| 1 bed | £267,500 | £1,139 | +£484 | Buy £29,673 |
| 2 bed | £450,000 | £1,455 | +£1,261 | Rent £11,385 |
| 3 bed | £580,000 | £1,856 | +£1,639 | Rent £29,762 |
| 4+ bed | £900,000 | £2,576 | +£2,836 | Rent £83,886 |
Average rent and house prices in Mole Valley
The ONS average private rent in Mole Valley is £1,551 a month (Aug 2026, provisional), up 2.4% on a year earlier. The median price paid is £571,000 (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 £2,240 a year (Band C) and is paid whether you rent or buy, so it does not change the verdict.
Renting or buying in Mole Valley: FAQs
Is it cheaper to rent or buy in Mole Valley?
For a 2-bed home in Mole Valley, owning costs about £2,903 a month and renting about £1,642, both including council tax. Renting leaves you £11,385 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 Mole Valley?
The ONS average private rent in Mole Valley is £1,551 a month across all home sizes (Aug 2026, provisional), with £1,139 for 1 bed, £1,455 for 2 bed, £1,856 for 3 bed, £2,576 for 4 or more bed. Rents rose 2.4% over the past year.
What is the average house price in Mole Valley?
The median price paid in Mole Valley is £571,000 (ONS median price paid, year ending Mar 2026). The calculator uses £450,000 for a terraced house, the property type typical for a 2-bed home.
How much is stamp duty on an average home in Mole Valley?
A first-time buyer paying £450,000 would pay £7,500 in SDLT. With a 10% deposit of £45,000, the cash needed on day one is about £52,500.
What is the price-to-rent ratio in Mole Valley?
About 25.8: the 2-bed price is 25.8 times a year of rent. Higher ratios favour renting; lower ratios favour buying.
Which home size is best value to buy in Mole Valley?
On the default assumptions, a 1-bed home gives buying its strongest position: buying ahead by £29,673 after 7 years.
Areas with a similar price-to-rent ratio
Browse every local authority.