Key indicators for buyers
The MK44 market is moderately favourable for buyers. Prices have softened (-30.3%), which could present a buying opportunity. Affordability has improved from a peak of 10.4x in 2021 to 9.1x today. Rising rents (£1,159/mo, +4.8%) mean the cost of waiting is real.
Yearly averages · HM Land Registry Price Paid Data
2026averages · HM Land Registry Price Paid Data
House price ÷ median earnings · ONS data
Affordability data shown for wider Bedford area
A home in Bedford costs 9.1x the local median salary — stretched, improving from a peak of 10.4x in 2021.
Average monthly rent · ONS Private Rental Index
Rental data shown for wider Bedford area
Average monthly rent in Bedford is £1,159, up 4.8% year-on-year. Rents have risen consistently over the past five years.
2yr fixed · 75% LTV · 25yr term · BoE avg. rate
Based on the average Bedford price of £368,460 with a 25% deposit (£92k), a 2-year fixed mortgage at 3.97% costs around £1,454 per month.
Monthly cost comparison based on current data
Uses MK44 avg. price with Bedford rental data
Monthly mortgage payments (£1,454) are £295 more than renting (£1,159). However, buying requires an upfront deposit of £92k — it would take around 13 years to recoup that cost compared to renting and investing the difference.
Latest transactions · HM Land Registry Price Paid Data
| Address | Type | Price | Date |
|---|---|---|---|
5, WEST WAY, MOGGERHANGER MK44 3RF | Terraced | £262,300 | 22 Jan 2026 |
TWISDEN, CHURCH END, RAVENSDEN MK44 2RR | Terraced | £230,000 | 16 Jan 2026 |
44, GIBBARDS CLOSE, SHARNBROOK MK44 1LF | Terraced | £315,000 | 13 Jan 2026 |
WILLOW COTTAGE, OLDWAYS ROAD, RAVENSDEN MK44 2RF | Detached | £750,000 | 7 Jan 2026 |
6, BOURNE ROAD, RISELEY MK44 1EA | Semi-detached | £285,000 | 3 Jan 2026 |
10, CHURCH ROAD, COLMWORTH MK44 2JX | Terraced | £325,120 | 19 Dec 2025 |
DOGROSE TOP, KEYSOE ROW WEST, KEYSOE MK44 2JF |
Data sources (all free & public): HM Land Registry Price Paid Data & UK House Price Index · ONS Housing Affordability Ratios · ONS Private Rental Index · Bank of England Quoted Household Interest Rates · HMRC Monthly Property Transactions
Contains HM Land Registry data © Crown copyright and database right 2021. This data is licensed under the Open Government Licence v3.0.
The average property in MK44 sold for £368,460 in 2026, with a median of £285,000 across 5 transactions. Prices fell 30.3% compared to the previous year.
| Detached |
| £420,000 |
| 19 Dec 2025 |
8, WARREN FARM, WILLINGTON MK44 3DG | Terraced | £385,000 | 19 Dec 2025 |
2, POPLAR CLOSE, ROXTON MK44 3EG | Detached | £467,500 | 19 Dec 2025 |
6, BRITTONS CLOSE, SHARNBROOK MK44 1PN | Detached | £450,000 | 18 Dec 2025 |
7, GOLD STREET, RISELEY MK44 1EG | Detached | £450,000 | 18 Dec 2025 |
BEDFORD ARMS, HIGH STREET, SOULDROP MK44 1EY | Other | £300,000 | 17 Dec 2025 |
5, CENTENARY PLACE, BLUNHAM MK44 3FA | Detached | £400,000 | 16 Dec 2025 |
8, THE AVENUE, BLETSOE MK44 1QF | Detached | £755,000 | 12 Dec 2025 |
SOUTH END BARN, THE GRAIN STORE, RENHOLD ROAD, RAVENSDEN MK44 2RH | Semi-detached | £760,000 | 12 Dec 2025 |
3, HIGH STREET, SHARNBROOK MK44 1PG | Terraced | £490,000 | 12 Dec 2025 |
BORNHOLM, SUNDERLAND HILL, RAVENSDEN MK44 2QT | Detached | £675,000 | 12 Dec 2025 |
89, WILLINGTON ROAD, COPLE MK44 3TL | Semi-detached | £380,000 | 10 Dec 2025 |
40, GREAT NORTH ROAD, WYBOSTON MK44 3AB | Detached | £590,000 | 10 Dec 2025 |
2, GRANGE FARM COTTAGES, RAVENSDEN MK44 2SJ | Detached | £620,000 | 10 Dec 2025 |
The most recent recorded sale in MK44 was a terraced property on West Way for £262,300 in January 2026. Across the last 20 sales, the median price was £450,000.