Average UK house prices: last 3 months
The average house price in the UK is now £273,000. This is an increase of 0.8%, or £2,160, over the past year.
Property type | Average house price June 2026 | Average house price July 2026 | Average house price August 2026 | Annual price change to August 2026 (£) | Annual price change to August 2026 (%) |
All property | £272,800 | £272,800 | £273,000 | £2,160 | 0.8% |
Flats/maisonettes | £192,200 | £191,800 | £191,800 | -£2,600 | -1.3% |
Terraced houses | £242,000 | £242,000 | £242,200 | £3,410 | 1.4% |
Semi-detached houses | £282,100 | £282,000 | £282,200 | £4,600 | 1.7% |
Detached houses | £458,300 | £458,100 | £458,700 | £3,770 | 0.8% |
Sales down by 9%, due to higher mortgage rates
There’s still plenty of demand for homes but buyers are restricted by rising house prices and higher borrowing costs.
Sellers who are realistic when setting their asking price, taking into account demand where they live and following advice from local estate agents, can still find a buyer relatively quickly.
Price sensitivity stems from higher mortgage rates. A typical home loan now has an interest rate of 5.2% – up from 4% at the start of the year and at its highest for three years.
The average homebuyer is spending an extra £150 a month on mortgage repayments, equating to £1,800 more each year on average.
Some buyers are pausing their moving plans or waiting longer to buy until a home within their budget becomes available, which is having an impact on sales. The number of sales agreed is 9% lower across the UK, when comparing this year to last.
House price growth slows to 0.8%
The UK’s average house price continues to rise, but at a slower rate than we have seen in previous months. Values increased 0.8% in the 12 months to August, compared to 0.9% in July and 1.3% in June.
Northern house prices record above-average increases
Six regions have recorded above-average annual house price inflation: the North West (+3.1%), Scotland (+2.6%), the North East (+2.3%), Wales (+1.8%), the West Midlands (+1.6%) and Yorkshire and the Humber (+1.4%).
Cities in these regions are also outperforming their southern counterparts. For example, house prices in Liverpool have increased 4.3% in the last year, followed by Newcastle (+2.7%) and Glasgow (+2.6%).
House prices have fallen in all southern regions apart from the East Midlands, where annual house price inflation is +0.6%.
The biggest drop is in London, where house prices have fallen -1%. Values have also decreased in the South East (-0.7%), the East of England (-0.3%) and the South West (-0.3%).
Houses are the best performing property type
The price of houses is more resilient than flats, with the cost of a house rising in 8 out of 11 UK regions. Semi-detached houses are the most likely to hold their value – rising 1.7% in price over the last year.
The price of houses is rising fastest in the North West (3.6%), followed by Scotland and the North East. The price of houses has stalled across much of southern England. Here buyers are balancing higher property values with increased borrowing costs.
In contrast, the price of flats is falling in 9 out of 11 UK regions, with Scotland and the North East the notable exceptions. The average flat now costs £191,800 - down 1.3% or £2,600 less than a year ago.
Homes selling fastest in more affordable areas
The chances of finding a buyer – and how quickly a home sells – depends on pricing strategy and the number of homes for sale where you are. A clear North-South divide is evident when it comes to the speed of selling a home.
Around three-quarters of homes listed in Scotland between April and June found a buyer within three months. Scotland’s system of providing more upfront information when a home is listed for sale generally results in a speedier sales process than in other parts of the UK.
South of the border, buyers in northern England are acting the fastest. Here house prices are cheaper and value rises are more modest. The chances of finding a buyer within three months is most likely for homes in the North East, the North West, Yorkshire and the Humber, the West Midlands and Wales.
At the bottom of the table is London, where only 30% of sellers find a buyer within three months. The capital is joined by the East of England, the South East and the South West as the UK’s slowest sales markets.
Pricing will unlock quicker sales as we head towards winter
The Middle East conflict has pushed up energy prices and mortgage rates, tempering the autumn rebound in housing activity.
But buyers haven’t disappeared. They are simply more cautious, as well as selective about where they buy and how much they’re prepared to offer.
"With borrowing costs likely to remain high and house prices set to keep rising – although by a modest 0.5% by the end of the year – buying power will remain subdued. We’re still on course for close to 1.1 million homes to sell in 2026."
Richard Donnell, Executive Director
What should you do if you're moving?
The decision to act now or hold off will depend on your budget, how much you can afford to borrow and your urgency to move home.
Selling your home
If you’re thinking of selling, speak to an agent to get accurate pricing advice and factor in the level of demand where you live. Our data shows homes sell quickest when asking prices are realistic. Price your home too high and you may be frustrated by the lack of offers.
Pricing needs careful consideration across the UK but especially in southern England, where the value of some flats and houses has fallen this year. Our MyHome tool can be a helpful starting point, giving you a data-backed estimate of how much your home could sell for, and how quickly.
First-time buyers and existing homeowners looking to buy
The choice of homes for sale is improving but it’s getting more expensive to borrow money. Speaking to a mortgage broker and understanding your affordability is essential as you plan your next move.
Understand recently sold prices for properties similar to what you're looking at with Zoopla's house price tool and contact agents, who can help advise on what sellers may be willing to accept.
Buyers also need to understand how local markets are performing. There’s more competition in northern England and Scotland, so buyers in these regions may need to be decisive. In contrast, there may be room for negotiation in slower sales markets in the south, and where flats are proving hard to sell.
About the Zoopla House Price Index
The Zoopla House Price Index (HPI) tracks the change in achieved sales price of homes (not asking prices). The index uses sold prices, mortgage valuations and data for recently agreed sales with more input data than any other index. The methodology is designed to accurately track the change in pricing for UK housing. It’s revisionary and non-seasonally adjusted.
Download the Zoopla House Price Index, September 2026 (PDF, 436kB)
Notes on this month’s data:
Market activity data covers the four weeks to 20 September 2026 and is compared with the same period in 2025.
Mortgage rate comparisons are based on the average rate for a new 75% loan-to-value, five-year fixed mortgage across large banks.
Mortgage affordability estimates assume a typical buyer purchasing with a 75% loan-to-value mortgage over a 27-year term. They compare a five-year fixed mortgage rate of 4% in January 2026 with 5.2% in September 2026.
Source: Zoopla calculations based on buyer enquiry data.
Previous House Price Index reports
See more stories from our House Price Index