Rent vs buy calculator · England
Rent vs buy in South Derbyshire: is it cheaper to rent or buy?
Buying leaves you £37,952 better off after 7 years. Owning a 2-bed terraced house costs about £1,302 a month, against £974 to rent the same size home.
- After 7 years
- Buy +£37,952
- Difference in net wealth
- Monthly cost to own
- £1,302
- Mortgage £954, of which £288 is capital
- Monthly cost to rent
- £974
- Rent £801 plus council tax
- Median price
- £185,000
- terraced house
- Cash needed to buy
- £18,500
- £18,500 deposit + £0 SDLT
- Price-to-rent ratio
- 19.2
- Price divided by a year of rent
Renting vs buying in South Derbyshire by home size
| Bedrooms | Price | Rent / mo | Owning vs renting / mo | After 7 yrs |
|---|---|---|---|---|
| 1 bed | £133,750 | £611 | +£211 | Buy £30,658 |
| 2 bed | £185,000 | £801 | +£328 | Buy £37,952 |
| 3 bed | £220,000 | £1,006 | +£333 | Buy £52,226 |
| 4+ bed | £335,000 | £1,441 | +£587 | Buy £68,644 |
Average rent and house prices in South Derbyshire
The ONS average private rent in South Derbyshire is £882 a month (Aug 2026, provisional), up 4.6% on a year earlier. The median price paid is £250,000 (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 £2,080 a year (Band C) and is paid whether you rent or buy, so it does not change the verdict.
Renting or buying in South Derbyshire: FAQs
Is it cheaper to rent or buy in South Derbyshire?
For a 2-bed home in South Derbyshire, owning costs about £1,302 a month and renting about £974, both including council tax. Buying leaves you £37,952 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 South Derbyshire?
The ONS average private rent in South Derbyshire is £882 a month across all home sizes (Aug 2026, provisional), with £611 for 1 bed, £801 for 2 bed, £1,006 for 3 bed, £1,441 for 4 or more bed. Rents rose 4.6% over the past year.
What is the average house price in South Derbyshire?
The median price paid in South Derbyshire is £250,000 (ONS median price paid, year ending Mar 2026). The calculator uses £185,000 for a terraced house, the property type typical for a 2-bed home.
How much is stamp duty on an average home in South Derbyshire?
A first-time buyer paying £185,000 would pay £0 in SDLT. With a 10% deposit of £18,500, the cash needed on day one is about £18,500.
What is the price-to-rent ratio in South Derbyshire?
About 19.2: the 2-bed price is 19.2 times a year of rent. Higher ratios favour renting; lower ratios favour buying.
Which home size is best value to buy in South Derbyshire?
On the default assumptions, a 4+-bed home gives buying its strongest position: buying ahead by £68,644 after 7 years.
Areas with a similar price-to-rent ratio
Browse every local authority.