13,803 recorded transactions · Part of Central Bedfordshire
Compare with another area →Key indicators for buyers
The MK45 market is moderately favourable for buyers. Prices have softened (-8.9%), which could present a buying opportunity. Affordability has improved from a peak of 11.2x in 2021 to 9.7x today. Rising rents (£1,235/mo, +5.5%) 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 Central Bedfordshire area
A home in Central Bedfordshire costs 9.7x the local median salary — stretched, improving from a peak of 11.2x in 2021.
Average monthly rent · ONS Private Rental Index
Rental data shown for wider Central Bedfordshire area
Average monthly rent in Central Bedfordshire is £1,235, up 5.5% 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 Central Bedfordshire price of £460,325 with a 25% deposit (£115k), a 2-year fixed mortgage at 3.97% costs around £1,817 per month.
Monthly cost comparison based on current data
Uses MK45 avg. price with Central Bedfordshire rental data
Monthly mortgage payments (£1,817) are £582 more than renting (£1,235). However, buying requires an upfront deposit of £115k — it would take around 19 years to recoup that cost compared to renting and investing the difference.
Latest transactions · HM Land Registry Price Paid Data
| Address | Type | Price | Date |
|---|---|---|---|
32A, HIGH STREET, CLOPHILL MK45 4AA | Detached | £695,000 | 27 Jan 2026 |
20, PARK HILL, AMPTHILL MK45 2LP | Detached | £515,000 | 26 Jan 2026 |
20, HIGHFIELD ROAD, FLITTON MK45 5EB | Semi-detached | £435,000 | 22 Jan 2026 |
62, ROBINSON AVENUE, HOUGHTON CONQUEST MK45 3GF | Detached | £630,000 | 16 Jan 2026 |
47, TAVISTOCK AVENUE, AMPTHILL MK45 2RW | Terraced | £470,000 | 16 Jan 2026 |
37, LONGMEADOW DRIVE, WILSTEAD MK45 3FB | Terraced | £335,000 | 16 Jan 2026 |
28, WILLIAMS WAY, FLITWICK MK45 1XD |
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 MK45 sold for £460,325 in 2026, with a median of £436,000 across 20 transactions. Prices fell 8.9% compared to the previous year.
| Semi-detached |
| £275,000 |
| 16 Jan 2026 |
16, CHAUCER ROAD, FLITWICK MK45 1QG | Terraced | £512,500 | 16 Jan 2026 |
111, NORMAN ROAD, BARTON-LE-CLAY MK45 4PX | Semi-detached | £430,000 | 16 Jan 2026 |
31, FARM CLOSE, AMPTHILL MK45 2UF | Terraced | £310,000 | 16 Jan 2026 |
21B, WOBURN STREET, AMPTHILL MK45 2HP | Terraced | £500,000 | 15 Jan 2026 |
3, WEST END ROAD, SILSOE MK45 4DU | Detached | £615,000 | 14 Jan 2026 |
7, LAMMAS WAY, AMPTHILL MK45 2TR | Detached | £437,000 | 14 Jan 2026 |
11, KINGFISHER ROAD, FLITWICK MK45 1RA | Semi-detached | £375,000 | 14 Jan 2026 |
11, DARWIN CROFT, FLITWICK MK45 1GL | Detached | £540,000 | 13 Jan 2026 |
1, THE BIRCHES, FLITWICK MK45 1BA | Detached | £640,000 | 9 Jan 2026 |
18, NENE ROAD, FLITWICK MK45 1SE | Semi-detached | £370,000 | 9 Jan 2026 |
29, DUNSTABLE STREET, AMPTHILL MK45 2NJ | Terraced | £420,000 | 8 Jan 2026 |
7A, HORNES END ROAD, FLITWICK MK45 1JH | Detached | £322,000 | 6 Jan 2026 |
34, KENDAL DRIVE, FLITWICK MK45 1NW | Detached | £380,000 | 5 Jan 2026 |
The most recent recorded sale in MK45 was a detached property on High Street for £695,000 in January 2026. Across the last 20 sales, the median price was £437,000.