Rent vs buy calculator · England
Rent vs buy in Wiltshire: is it cheaper to rent or buy?
Buying leaves you £51,661 better off after 7 years. Owning a 2-bed terraced house costs about £1,793 a month, against £1,164 to rent the same size home.
- After 7 years
- Buy +£51,661
- Difference in net wealth
- Monthly cost to own
- £1,793
- Mortgage £1,361, of which £411 is capital
- Monthly cost to rent
- £1,164
- Rent £973 plus council tax
- Median price
- £264,000
- terraced house
- Cash needed to buy
- £26,400
- £26,400 deposit + £0 SDLT
- Price-to-rent ratio
- 22.6
- Price divided by a year of rent
Renting vs buying in Wiltshire by home size
| Bedrooms | Price | Rent / mo | Owning vs renting / mo | After 7 yrs |
|---|---|---|---|---|
| 1 bed | £161,000 | £749 | +£236 | Buy £49,390 |
| 2 bed | £264,000 | £973 | +£629 | Buy £51,661 |
| 3 bed | £305,000 | £1,220 | +£628 | Buy £71,983 |
| 4+ bed | £468,500 | £1,739 | +£1,088 | Buy £84,315 |
Average rent and house prices in Wiltshire
The ONS average private rent in Wiltshire is £1,082 a month (Aug 2026, provisional), up 6.0% on a year earlier. The median price paid is £320,000 (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 £2,286 a year (Band C) and is paid whether you rent or buy, so it does not change the verdict.
Renting or buying in Wiltshire: FAQs
Is it cheaper to rent or buy in Wiltshire?
For a 2-bed home in Wiltshire, owning costs about £1,793 a month and renting about £1,164, both including council tax. Buying leaves you £51,661 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 Wiltshire?
The ONS average private rent in Wiltshire is £1,082 a month across all home sizes (Aug 2026, provisional), with £749 for 1 bed, £973 for 2 bed, £1,220 for 3 bed, £1,739 for 4 or more bed. Rents rose 6.0% over the past year.
What is the average house price in Wiltshire?
The median price paid in Wiltshire is £320,000 (ONS median price paid, year ending Mar 2026). The calculator uses £264,000 for a terraced house, the property type typical for a 2-bed home.
How much is stamp duty on an average home in Wiltshire?
A first-time buyer paying £264,000 would pay £0 in SDLT. With a 10% deposit of £26,400, the cash needed on day one is about £26,400.
What is the price-to-rent ratio in Wiltshire?
About 22.6: the 2-bed price is 22.6 times a year of rent. Higher ratios favour renting; lower ratios favour buying.
Which home size is best value to buy in Wiltshire?
On the default assumptions, a 4+-bed home gives buying its strongest position: buying ahead by £84,315 after 7 years.
Areas with a similar price-to-rent ratio
Browse every local authority.