Rent vs buy calculator · England
Rent vs buy in Rutland: is it cheaper to rent or buy?
Renting and buying finish within £2,151 of each other after 7 years: too close to call. Owning a 2-bed terraced house costs about £1,691 a month, against £1,042 to rent the same size home.
- After 7 years
- Close +£2,151
- Difference in net wealth
- Monthly cost to own
- £1,691
- Mortgage £1,263, of which £381 is capital
- Monthly cost to rent
- £1,042
- Rent £839 plus council tax
- Median price
- £245,000
- terraced house
- Cash needed to buy
- £24,500
- £24,500 deposit + £0 SDLT
- Price-to-rent ratio
- 24.3
- Price divided by a year of rent
Renting vs buying in Rutland by home size
| Bedrooms | Price | Rent / mo | Owning vs renting / mo | After 7 yrs |
|---|---|---|---|---|
| 1 bed | £143,750 | £676 | +£206 | Buy £18,542 |
| 2 bed | £245,000 | £839 | +£649 | Close £2,151 |
| 3 bed | £275,000 | £993 | +£675 | Close £4,106 |
| 4+ bed | £487,500 | £1,515 | +£1,426 | Rent £31,182 |
Average rent and house prices in Rutland
The ONS average private rent in Rutland is £961 a month (Aug 2026, provisional), up 1.9% on a year earlier. The median price paid is £330,000 (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 £2,433 a year (Band C) and is paid whether you rent or buy, so it does not change the verdict.
Renting or buying in Rutland: FAQs
Is it cheaper to rent or buy in Rutland?
For a 2-bed home in Rutland, owning costs about £1,691 a month and renting about £1,042, both including council tax. Renting and buying finish within £2,151 of each other after 7 years: too close to call. 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 Rutland?
The ONS average private rent in Rutland is £961 a month across all home sizes (Aug 2026, provisional), with £676 for 1 bed, £839 for 2 bed, £993 for 3 bed, £1,515 for 4 or more bed. Rents rose 1.9% over the past year.
What is the average house price in Rutland?
The median price paid in Rutland is £330,000 (ONS median price paid, year ending Mar 2026). The calculator uses £245,000 for a terraced house, the property type typical for a 2-bed home.
How much is stamp duty on an average home in Rutland?
A first-time buyer paying £245,000 would pay £0 in SDLT. With a 10% deposit of £24,500, the cash needed on day one is about £24,500.
What is the price-to-rent ratio in Rutland?
About 24.3: the 2-bed price is 24.3 times a year of rent. Higher ratios favour renting; lower ratios favour buying.
Which home size is best value to buy in Rutland?
On the default assumptions, a 1-bed home gives buying its strongest position: buying ahead by £18,542 after 7 years.
Areas with a similar price-to-rent ratio
Browse every local authority.