Rent vs buy calculator · England
Rent vs buy in Stockton-on-Tees: is it cheaper to rent or buy?
Buying leaves you £35,678 better off after 7 years. Owning a 2-bed terraced house costs about £942 a month, against £860 to rent the same size home.
- After 7 years
- Buy +£35,678
- Difference in net wealth
- Monthly cost to own
- £942
- Mortgage £628, of which £190 is capital
- Monthly cost to rent
- £860
- Rent £668 plus council tax
- Median price
- £121,750
- terraced house
- Cash needed to buy
- £12,175
- £12,175 deposit + £0 SDLT
- Price-to-rent ratio
- 15.2
- Price divided by a year of rent
Renting vs buying in Stockton-on-Tees by home size
| Bedrooms | Price | Rent / mo | Owning vs renting / mo | After 7 yrs |
|---|---|---|---|---|
| 1 bed | £79,000 | £536 | −£42 | Buy £34,568 |
| 2 bed | £121,750 | £668 | +£82 | Buy £35,678 |
| 3 bed | £163,500 | £797 | +£203 | Buy £36,772 |
| 4+ bed | £290,995 | £1,166 | +£598 | Buy £38,446 |
Average rent and house prices in Stockton-on-Tees
The ONS average private rent in Stockton-on-Tees is £735 a month (Aug 2026, provisional), up 3.6% on a year earlier. The median price paid is £177,000 (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 £2,302 a year (Band C) and is paid whether you rent or buy, so it does not change the verdict.
Renting or buying in Stockton-on-Tees: FAQs
Is it cheaper to rent or buy in Stockton-on-Tees?
For a 2-bed home in Stockton-on-Tees, owning costs about £942 a month and renting about £860, both including council tax. Buying leaves you £35,678 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 Stockton-on-Tees?
The ONS average private rent in Stockton-on-Tees is £735 a month across all home sizes (Aug 2026, provisional), with £536 for 1 bed, £668 for 2 bed, £797 for 3 bed, £1,166 for 4 or more bed. Rents rose 3.6% over the past year.
What is the average house price in Stockton-on-Tees?
The median price paid in Stockton-on-Tees is £177,000 (ONS median price paid, year ending Mar 2026). The calculator uses £121,750 for a terraced house, the property type typical for a 2-bed home.
How much is stamp duty on an average home in Stockton-on-Tees?
A first-time buyer paying £121,750 would pay £0 in SDLT. With a 10% deposit of £12,175, the cash needed on day one is about £12,175.
What is the price-to-rent ratio in Stockton-on-Tees?
About 15.2: the 2-bed price is 15.2 times a year of rent. Higher ratios favour renting; lower ratios favour buying.
Which home size is best value to buy in Stockton-on-Tees?
On the default assumptions, a 4+-bed home gives buying its strongest position: buying ahead by £38,446 after 7 years.
Areas with a similar price-to-rent ratio
Browse every local authority.