Key indicators for buyers
The CM20 market is moderately favourable for buyers. Prices have softened (-13.3%), which could present a buying opportunity. Affordability has improved from a peak of 11.3x in 2021 to 8.8x today. Rising rents (£1,509/mo, +7.1%) 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 Harlow area
A home in Harlow costs 8.8x the local median salary — stretched, improving from a peak of 11.3x in 2021.
Average monthly rent · ONS Private Rental Index
Rental data shown for wider Harlow area
Average monthly rent in Harlow is £1,509, up 7.1% 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 Harlow price of £274,700 with a 25% deposit (£69k), a 2-year fixed mortgage at 3.97% costs around £1,084 per month.
Monthly cost comparison based on current data
Uses CM20 avg. price with Harlow rental data
Monthly mortgage payments (£1,084) are £425 less than renting (£1,509). However, buying requires an upfront deposit of £69k — it would take around 5 years to recoup that cost compared to renting and investing the difference.
Latest transactions · HM Land Registry Price Paid Data
| Address | Type | Price | Date |
|---|---|---|---|
223, THE DASHES CM20 3RY | Flat/Maisonette | £155,000 | 23 Jan 2026 |
6, DOVEHOUSE CROFT CM20 2LH | Semi-detached | £363,000 | 15 Jan 2026 |
16, BOWLBY HILL, GILSTON CM20 2FZ | Flat/Maisonette | £375,000 | 14 Jan 2026 |
8, CROUCH COURT, RIVERMILL CM20 1PP | Flat/Maisonette | £173,000 | 9 Jan 2026 |
34, ARKWRIGHTS CM20 3LT | Terraced | £307,500 | 6 Jan 2026 |
58, BROMLEY CLOSE CM20 2GD | Flat/Maisonette | £180,000 | 22 Dec 2025 |
1, RAM GORSE CM20 1PX | Terraced |
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 CM20 sold for £274,700 in 2026, with a median of £307,500 across 5 transactions. Prices fell 13.3% compared to the previous year.
| £285,000 |
| 19 Dec 2025 |
89, TORKILDSEN WAY CM20 1AW | Flat/Maisonette | £183,000 | 19 Dec 2025 |
41, ASH TREE FIELD CM20 1QD | Terraced | £300,000 | 19 Dec 2025 |
32, LAVENDER CLOSE CM20 3QJ | Terraced | £350,000 | 17 Dec 2025 |
92, THE CHANTRY CM20 2NA | Flat/Maisonette | £190,000 | 17 Dec 2025 |
245, FOLD CROFT CM20 1SR | Terraced | £297,000 | 16 Dec 2025 |
70, MOORE HOUSE, EDINBURGH GATE CM20 2UD | Flat/Maisonette | £250,000 | 15 Dec 2025 |
178, PENNYMEAD CM20 3JE | Flat/Maisonette | £187,500 | 12 Dec 2025 |
28, THE HIDES CM20 3QL | Terraced | £290,000 | 12 Dec 2025 |
FLAT 213, EDINBURGH HOUSE, EDINBURGH GATE CM20 2TJ | Flat/Maisonette | £190,000 | 12 Dec 2025 |
14, PARISH WAY CM20 1PR | Terraced | £380,000 | 12 Dec 2025 |
263, RIVERMILL CM20 1PD | Flat/Maisonette | £140,000 | 11 Dec 2025 |
51, THE DASHES CM20 3RR | Terraced | £288,000 | 10 Dec 2025 |
28, THE CHANTRY CM20 2LX | Terraced | £376,000 | 9 Dec 2025 |
The most recent recorded sale in CM20 was a flat/maisonette property on The Dashes for £155,000 in January 2026. Across the last 20 sales, the median price was £288,000.