Key indicators for buyers
The S41 market looks favourable for buyers. Prices have softened (-18.7%), which could present a buying opportunity. Affordability has improved from a peak of 6.8x in 2021 to 5.2x today. Rising rents (£732/mo, +3.8%) 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 Chesterfield area
A home in Chesterfield costs 5.2x the local median salary — moderate, improving from a peak of 6.8x in 2021.
Average monthly rent · ONS Private Rental Index
Rental data shown for wider Chesterfield area
Average monthly rent in Chesterfield is £732, up 3.8% 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 Chesterfield price of £199,750 with a 25% deposit (£50k), a 2-year fixed mortgage at 3.97% costs around £788 per month.
Monthly cost comparison based on current data
Uses S41 avg. price with Chesterfield rental data
Monthly mortgage payments (£788) are £56 more than renting (£732). However, buying requires an upfront deposit of £50k — it would take around 10 years to recoup that cost compared to renting and investing the difference.
Latest transactions · HM Land Registry Price Paid Data
| Address | Type | Price | Date |
|---|---|---|---|
34, STIRLING COURT, NIGHTINGALE CLOSE S41 7NZ | Flat/Maisonette | £105,000 | 23 Jan 2026 |
29, HIGHBURY ROAD S41 7HL | Semi-detached | £195,000 | 16 Jan 2026 |
24, HARVEY ROAD S41 0BN | Terraced | £130,000 | 16 Jan 2026 |
20, DUKES DRIVE S41 8QG | Detached | £375,000 | 14 Jan 2026 |
32, HIGHBURY ROAD S41 7HL | Semi-detached | £169,000 | 12 Jan 2026 |
8, OLD HOUSES S41 0EH | Terraced | £129,000 | 9 Jan 2026 |
30B, HARDWICK STREET S41 7ND | Semi-detached |
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 S41 sold for £199,750 in 2026, with a median of £170,500 across 12 transactions. Prices fell 18.7% compared to the previous year.
| £207,000 |
| 9 Jan 2026 |
2, ROSE GARTH CLOSE S41 0GE | Detached | £265,000 | 8 Jan 2026 |
63, THE GREEN, HASLAND S41 0LW | Detached | £385,000 | 8 Jan 2026 |
190, SPITAL LANE S41 0HP | Semi-detached | £150,000 | 8 Jan 2026 |
19, EDINBURGH ROAD S41 7HF | Semi-detached | £172,000 | 5 Jan 2026 |
21, GROVE STREET, HASLAND S41 0PA | Terraced | £115,000 | 5 Jan 2026 |
11A, HARVEY ROAD S41 0BW | Detached | £195,000 | 19 Dec 2025 |
9, UPPER LUM CLOSE S41 0BF | Detached | £370,000 | 19 Dec 2025 |
1, EASTWOOD PARK APARTMENTS, REMPSTONE DRIVE S41 0XQ | Flat/Maisonette | £132,500 | 18 Dec 2025 |
3, CAVENDISH STREET NORTH, OLD WHITTINGTON S41 9DH | Terraced | £130,000 | 17 Dec 2025 |
20, RACECOURSE ROAD S41 8TN | Semi-detached | £182,500 | 16 Dec 2025 |
4, BURNBRIDGE ROAD, OLD WHITTINGTON S41 9LR | Semi-detached | £144,000 | 15 Dec 2025 |
31, STATION LANE, OLD WHITTINGTON S41 9NR | Semi-detached | £100,000 | 15 Dec 2025 |
88, SWADDALE AVENUE S41 0SU | Semi-detached | £125,000 | 15 Dec 2025 |
The most recent recorded sale in S41 was a flat/maisonette property on Nightingale Close for £105,000 in January 2026. Across the last 20 sales, the median price was £169,000.