Rent vs buy calculator · England
Rent vs buy in Tandridge: is it cheaper to rent or buy?
Buying leaves you £33,074 better off after 7 years. Owning a 2-bed terraced house costs about £2,817 a month, against £1,659 to rent the same size home.
- After 7 years
- Buy +£33,074
- Difference in net wealth
- Monthly cost to own
- £2,817
- Mortgage £2,242, of which £677 is capital
- Monthly cost to rent
- £1,659
- Rent £1,467 plus council tax
- Median price
- £434,750
- terraced house
- Cash needed to buy
- £50,213
- £43,475 deposit + £6,738 SDLT
- Price-to-rent ratio
- 24.7
- Price divided by a year of rent
Renting vs buying in Tandridge by home size
| Bedrooms | Price | Rent / mo | Owning vs renting / mo | After 7 yrs |
|---|---|---|---|---|
| 1 bed | £292,500 | £1,159 | +£614 | Buy £48,186 |
| 2 bed | £434,750 | £1,467 | +£1,158 | Buy £33,074 |
| 3 bed | £490,000 | £1,833 | +£1,123 | Buy £56,602 |
| 4+ bed | £790,000 | £2,825 | +£1,928 | Buy £57,213 |
Average rent and house prices in Tandridge
The ONS average private rent in Tandridge is £1,637 a month (Aug 2026, provisional), up 4.4% on a year earlier. The median price paid is £500,000 (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 £2,307 a year (Band C) and is paid whether you rent or buy, so it does not change the verdict.
Renting or buying in Tandridge: FAQs
Is it cheaper to rent or buy in Tandridge?
For a 2-bed home in Tandridge, owning costs about £2,817 a month and renting about £1,659, both including council tax. Buying leaves you £33,074 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 Tandridge?
The ONS average private rent in Tandridge is £1,637 a month across all home sizes (Aug 2026, provisional), with £1,159 for 1 bed, £1,467 for 2 bed, £1,833 for 3 bed, £2,825 for 4 or more bed. Rents rose 4.4% over the past year.
What is the average house price in Tandridge?
The median price paid in Tandridge is £500,000 (ONS median price paid, year ending Mar 2026). The calculator uses £434,750 for a terraced house, the property type typical for a 2-bed home.
How much is stamp duty on an average home in Tandridge?
A first-time buyer paying £434,750 would pay £6,738 in SDLT. With a 10% deposit of £43,475, the cash needed on day one is about £50,213.
What is the price-to-rent ratio in Tandridge?
About 24.7: the 2-bed price is 24.7 times a year of rent. Higher ratios favour renting; lower ratios favour buying.
Which home size is best value to buy in Tandridge?
On the default assumptions, a 4+-bed home gives buying its strongest position: buying ahead by £57,213 after 7 years.
How many years until buying pays off in Tandridge?
The lead first changes hands in year 2 on the default settings. Staying longer spreads stamp duty and selling costs over more years.
Areas with a similar price-to-rent ratio
Browse every local authority.