Rent vs buy calculator · England
Rent vs buy in Stroud: is it cheaper to rent or buy?
Buying leaves you £50,679 better off after 7 years. Owning a 2-bed terraced house costs about £1,793 a month, against £1,146 to rent the same size home.
- After 7 years
- Buy +£50,679
- Difference in net wealth
- Monthly cost to own
- £1,793
- Mortgage £1,367, of which £413 is capital
- Monthly cost to rent
- £1,146
- Rent £961 plus council tax
- Median price
- £265,000
- terraced house
- Cash needed to buy
- £26,500
- £26,500 deposit + £0 SDLT
- Price-to-rent ratio
- 23.0
- Price divided by a year of rent
Renting vs buying in Stroud by home size
| Bedrooms | Price | Rent / mo | Owning vs renting / mo | After 7 yrs |
|---|---|---|---|---|
| 1 bed | £167,000 | £744 | +£277 | Buy £47,695 |
| 2 bed | £265,000 | £961 | +£647 | Buy £50,679 |
| 3 bed | £315,000 | £1,178 | +£730 | Buy £64,503 |
| 4+ bed | £490,000 | £1,660 | +£1,296 | Buy £69,077 |
Average rent and house prices in Stroud
The ONS average private rent in Stroud is £1,041 a month (Aug 2026, provisional), up 6.0% on a year earlier. The median price paid is £330,500 (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 £2,215 a year (Band C) and is paid whether you rent or buy, so it does not change the verdict.
Renting or buying in Stroud: FAQs
Is it cheaper to rent or buy in Stroud?
For a 2-bed home in Stroud, owning costs about £1,793 a month and renting about £1,146, both including council tax. Buying leaves you £50,679 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 Stroud?
The ONS average private rent in Stroud is £1,041 a month across all home sizes (Aug 2026, provisional), with £744 for 1 bed, £961 for 2 bed, £1,178 for 3 bed, £1,660 for 4 or more bed. Rents rose 6.0% over the past year.
What is the average house price in Stroud?
The median price paid in Stroud is £330,500 (ONS median price paid, year ending Mar 2026). The calculator uses £265,000 for a terraced house, the property type typical for a 2-bed home.
How much is stamp duty on an average home in Stroud?
A first-time buyer paying £265,000 would pay £0 in SDLT. With a 10% deposit of £26,500, the cash needed on day one is about £26,500.
What is the price-to-rent ratio in Stroud?
About 23.0: the 2-bed price is 23.0 times a year of rent. Higher ratios favour renting; lower ratios favour buying.
Which home size is best value to buy in Stroud?
On the default assumptions, a 4+-bed home gives buying its strongest position: buying ahead by £69,077 after 7 years.
Areas with a similar price-to-rent ratio
Browse every local authority.