Rent vs buy calculator · England
Rent vs buy in Spelthorne: is it cheaper to rent or buy?
Buying leaves you £65,036 better off after 7 years. Owning a 2-bed terraced house costs about £2,874 a month, against £1,769 to rent the same size home.
- After 7 years
- Buy +£65,036
- Difference in net wealth
- Monthly cost to own
- £2,874
- Mortgage £2,295, of which £693 is capital
- Monthly cost to rent
- £1,769
- Rent £1,582 plus council tax
- Median price
- £445,000
- terraced house
- Cash needed to buy
- £51,750
- £44,500 deposit + £7,250 SDLT
- Price-to-rent ratio
- 23.4
- Price divided by a year of rent
Renting vs buying in Spelthorne by home size
| Bedrooms | Price | Rent / mo | Owning vs renting / mo | After 7 yrs |
|---|---|---|---|---|
| 1 bed | £285,500 | £1,232 | +£499 | Buy £73,658 |
| 2 bed | £445,000 | £1,582 | +£1,105 | Buy £65,036 |
| 3 bed | £525,688 | £1,839 | +£1,331 | Buy £62,228 |
| 4+ bed | £680,000 | £2,488 | +£1,606 | Buy £90,936 |
Average rent and house prices in Spelthorne
The ONS average private rent in Spelthorne is £1,696 a month (Aug 2026, provisional), up 5.6% on a year earlier. The median price paid is £465,000 (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 £2,246 a year (Band C) and is paid whether you rent or buy, so it does not change the verdict.
Renting or buying in Spelthorne: FAQs
Is it cheaper to rent or buy in Spelthorne?
For a 2-bed home in Spelthorne, owning costs about £2,874 a month and renting about £1,769, both including council tax. Buying leaves you £65,036 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 Spelthorne?
The ONS average private rent in Spelthorne is £1,696 a month across all home sizes (Aug 2026, provisional), with £1,232 for 1 bed, £1,582 for 2 bed, £1,839 for 3 bed, £2,488 for 4 or more bed. Rents rose 5.6% over the past year.
What is the average house price in Spelthorne?
The median price paid in Spelthorne is £465,000 (ONS median price paid, year ending Mar 2026). The calculator uses £445,000 for a terraced house, the property type typical for a 2-bed home.
How much is stamp duty on an average home in Spelthorne?
A first-time buyer paying £445,000 would pay £7,250 in SDLT. With a 10% deposit of £44,500, the cash needed on day one is about £51,750.
What is the price-to-rent ratio in Spelthorne?
About 23.4: the 2-bed price is 23.4 times a year of rent. Higher ratios favour renting; lower ratios favour buying.
Which home size is best value to buy in Spelthorne?
On the default assumptions, a 4+-bed home gives buying its strongest position: buying ahead by £90,936 after 7 years.
Areas with a similar price-to-rent ratio
Browse every local authority.