Key indicators for buyers
The HX3 market looks favourable for buyers. Prices have softened (-4.3%), which could present a buying opportunity. Affordability has improved from a peak of 6.0x in 2021 to 5.4x today. Rising rents (£738/mo, +5.4%) 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 Calderdale area
A home in Calderdale costs 5.4x the local median salary — moderate, improving from a peak of 6.0x in 2021.
Average monthly rent · ONS Private Rental Index
Rental data shown for wider Calderdale area
Average monthly rent in Calderdale is £738, up 5.4% 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 Calderdale price of £216,363 with a 25% deposit (£54k), a 2-year fixed mortgage at 3.97% costs around £854 per month.
Monthly cost comparison based on current data
Uses HX3 avg. price with Calderdale rental data
Monthly mortgage payments (£854) are £116 more than renting (£738). However, buying requires an upfront deposit of £54k — it would take around 11 years to recoup that cost compared to renting and investing the difference.
Latest transactions · HM Land Registry Price Paid Data
| Address | Type | Price | Date |
|---|---|---|---|
6, PARK PLACE EAST HX3 8BA | Terraced | £130,000 | 22 Jan 2026 |
10, GLEN TERRACE, HIPPERHOLME HX3 8EJ | Terraced | £124,000 | 21 Jan 2026 |
10, MEADOW DRIVE HX3 5JX | Semi-detached | £190,000 | 19 Jan 2026 |
39, BACKHOLD AVENUE HX3 9DY | Terraced | £122,500 | 16 Jan 2026 |
38, WOODHALL CRESCENT HX3 0UN | Terraced | £185,000 | 16 Jan 2026 |
6, ATHOL GARDENS HX3 5SD | Terraced | £76,750 | 16 Jan 2026 |
71, WOODSIDE PLACE HX3 6EQ | Terraced | £103,000 |
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 HX3 sold for £216,363 in 2026, with a median of £177,500 across 20 transactions. Prices fell 4.3% compared to the previous year.
| 16 Jan 2026 |
GREEN THORPE, 2, ING HEAD TERRACE HX3 7LB | Detached | £612,500 | 14 Jan 2026 |
28, SPRINGWOOD DRIVE, COPLEY HX3 0TQ | Detached | £246,000 | 14 Jan 2026 |
334, SKIRCOAT GREEN ROAD HX3 0LX | Other | £242,500 | 12 Jan 2026 |
31, UPPER LANE HX3 7EE | Terraced | £170,000 | 12 Jan 2026 |
17, BUXTON STREET HX3 5EE | Terraced | £65,000 | 9 Jan 2026 |
203, CLAREMOUNT ROAD HX3 6JL | Terraced | £125,000 | 9 Jan 2026 |
WYNGARTH, HALIFAX ROAD, SHELF HX3 7JT | Semi-detached | £390,000 | 9 Jan 2026 |
53, WOODSIDE CRESCENT HX3 6EJ | Terraced | £107,500 | 9 Jan 2026 |
THE OLD COURT, SMITHFIELD AVENUE, HIPPERHOLME HX3 8HZ | Detached | £640,000 | 8 Jan 2026 |
8, ABBEY WALK SOUTH HX3 0AP | Terraced | £247,500 | 7 Jan 2026 |
12, CHARLES AVENUE HX3 9RY | Semi-detached | £216,000 | 6 Jan 2026 |
38, PROSPECT STREET HX3 6LG | Detached | £269,000 | 6 Jan 2026 |
1, GRANGE STREET HX3 5EA | Terraced | £65,000 | 5 Jan 2026 |
The most recent recorded sale in HX3 was a terraced property on Park Place East for £130,000 in January 2026. Across the last 20 sales, the median price was £185,000.