Rent vs buy calculator · England
Rent vs buy in South Holland: is it cheaper to rent or buy?
Buying leaves you £36,284 better off after 7 years. Owning a 2-bed terraced house costs about £1,136 a month, against £908 to rent the same size home.
- After 7 years
- Buy +£36,284
- Difference in net wealth
- Monthly cost to own
- £1,136
- Mortgage £815, of which £246 is capital
- Monthly cost to rent
- £908
- Rent £739 plus council tax
- Median price
- £158,000
- terraced house
- Cash needed to buy
- £15,800
- £15,800 deposit + £0 SDLT
- Price-to-rent ratio
- 17.8
- Price divided by a year of rent
Renting vs buying in South Holland by home size
| Bedrooms | Price | Rent / mo | Owning vs renting / mo | After 7 yrs |
|---|---|---|---|---|
| 1 bed | £85,000 | £593 | −£63 | Buy £42,059 |
| 2 bed | £158,000 | £739 | +£228 | Buy £36,284 |
| 3 bed | £185,000 | £902 | +£227 | Buy £47,337 |
| 4+ bed | £280,000 | £1,191 | +£507 | Buy £52,867 |
Average rent and house prices in South Holland
The ONS average private rent in South Holland is £775 a month (Aug 2026, provisional), up 4.2% on a year earlier. The median price paid is £230,000 (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 £2,025 a year (Band C) and is paid whether you rent or buy, so it does not change the verdict.
Renting or buying in South Holland: FAQs
Is it cheaper to rent or buy in South Holland?
For a 2-bed home in South Holland, owning costs about £1,136 a month and renting about £908, both including council tax. Buying leaves you £36,284 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 Holland?
The ONS average private rent in South Holland is £775 a month across all home sizes (Aug 2026, provisional), with £593 for 1 bed, £739 for 2 bed, £902 for 3 bed, £1,191 for 4 or more bed. Rents rose 4.2% over the past year.
What is the average house price in South Holland?
The median price paid in South Holland is £230,000 (ONS median price paid, year ending Mar 2026). The calculator uses £158,000 for a terraced house, the property type typical for a 2-bed home.
How much is stamp duty on an average home in South Holland?
A first-time buyer paying £158,000 would pay £0 in SDLT. With a 10% deposit of £15,800, the cash needed on day one is about £15,800.
What is the price-to-rent ratio in South Holland?
About 17.8: the 2-bed price is 17.8 times a year of rent. Higher ratios favour renting; lower ratios favour buying.
Which home size is best value to buy in South Holland?
On the default assumptions, a 4+-bed home gives buying its strongest position: buying ahead by £52,867 after 7 years.
Areas with a similar price-to-rent ratio
Browse every local authority.