Rent vs buy calculator · England
Rent vs buy in Worcester: is it cheaper to rent or buy?
Buying leaves you £44,812 better off after 7 years. Owning a 2-bed terraced house costs about £1,574 a month, against £1,086 to rent the same size home.
- After 7 years
- Buy +£44,812
- Difference in net wealth
- Monthly cost to own
- £1,574
- Mortgage £1,184, of which £357 is capital
- Monthly cost to rent
- £1,086
- Rent £908 plus council tax
- Median price
- £229,500
- terraced house
- Cash needed to buy
- £22,950
- £22,950 deposit + £0 SDLT
- Price-to-rent ratio
- 21.1
- Price divided by a year of rent
Renting vs buying in Worcester by home size
| Bedrooms | Price | Rent / mo | Owning vs renting / mo | After 7 yrs |
|---|---|---|---|---|
| 1 bed | £140,000 | £711 | +£148 | Buy £45,517 |
| 2 bed | £229,500 | £908 | +£488 | Buy £44,812 |
| 3 bed | £260,000 | £1,087 | +£491 | Buy £58,592 |
| 4+ bed | £377,000 | £1,541 | +£738 | Buy £77,113 |
Average rent and house prices in Worcester
The ONS average private rent in Worcester is £977 a month (Aug 2026, provisional), up 5.3% on a year earlier. The median price paid is £250,000 (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 £2,138 a year (Band C) and is paid whether you rent or buy, so it does not change the verdict.
Renting or buying in Worcester: FAQs
Is it cheaper to rent or buy in Worcester?
For a 2-bed home in Worcester, owning costs about £1,574 a month and renting about £1,086, both including council tax. Buying leaves you £44,812 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 Worcester?
The ONS average private rent in Worcester is £977 a month across all home sizes (Aug 2026, provisional), with £711 for 1 bed, £908 for 2 bed, £1,087 for 3 bed, £1,541 for 4 or more bed. Rents rose 5.3% over the past year.
What is the average house price in Worcester?
The median price paid in Worcester is £250,000 (ONS median price paid, year ending Mar 2026). The calculator uses £229,500 for a terraced house, the property type typical for a 2-bed home.
How much is stamp duty on an average home in Worcester?
A first-time buyer paying £229,500 would pay £0 in SDLT. With a 10% deposit of £22,950, the cash needed on day one is about £22,950.
What is the price-to-rent ratio in Worcester?
About 21.1: the 2-bed price is 21.1 times a year of rent. Higher ratios favour renting; lower ratios favour buying.
Which home size is best value to buy in Worcester?
On the default assumptions, a 4+-bed home gives buying its strongest position: buying ahead by £77,113 after 7 years.
Areas with a similar price-to-rent ratio
Browse every local authority.