Key indicators for buyers
The SG5 market is moderately favourable for buyers. Affordability has improved from a peak of 11.6x in 2022 to 10.0x today. Rising rents (£1,400/mo, +4.2%) 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 North Hertfordshire area
A home in North Hertfordshire costs 10.0x the local median salary — stretched, improving from a peak of 11.6x in 2022.
Average monthly rent · ONS Private Rental Index
Rental data shown for wider North Hertfordshire area
Average monthly rent in North Hertfordshire is £1,400, up 4.2% 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 North Hertfordshire price of £510,997 with a 25% deposit (£128k), a 2-year fixed mortgage at 3.97% costs around £2,017 per month.
Monthly cost comparison based on current data
Uses SG5 avg. price with North Hertfordshire rental data
Monthly mortgage payments (£2,017) are £617 more than renting (£1,400). However, buying requires an upfront deposit of £128k — it would take around 18 years to recoup that cost compared to renting and investing the difference.
Latest transactions · HM Land Registry Price Paid Data
| Address | Type | Price | Date |
|---|---|---|---|
44, HIGH STREET, OFFLEY SG5 3AH | Terraced | £480,000 | 15 Jan 2026 |
2, PRINCE HARRY CLOSE, STOTFOLD SG5 4PT | Semi-detached | £200,982 | 9 Jan 2026 |
36, BALDOCK ROAD, STOTFOLD SG5 4PB | Semi-detached | £650,000 | 9 Jan 2026 |
8, POPPY HOUSE, PAYNES PARK SG5 1EZ | Flat/Maisonette | £285,000 | 6 Jan 2026 |
46, ANSELL GRANGE, ICKLEFORD SG5 3FX | Detached | £960,000 | 6 Jan 2026 |
18, FLEMING DRIVE, FAIRFIELD SG5 4FF | Semi-detached | £490,000 | 5 Jan 2026 |
APARTMENT 3, 2, BUCKLERSBURY SG5 1BB |
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 SG5 sold for £510,997 in 2026, with a median of £485,000 across 6 transactions. Prices rose 0.5% compared to the previous year.
| Flat/Maisonette |
| £327,500 |
| 19 Dec 2025 |
FLAT 38, STARLINGS BRIDGE, NIGHTINGALE ROAD SG5 1QW | Flat/Maisonette | £270,500 | 19 Dec 2025 |
56, GROVE ROAD SG5 1SF | Terraced | £288,584 | 19 Dec 2025 |
36, HANSCOMBE END ROAD, SHILLINGTON SG5 3NB | Semi-detached | £174,000 | 19 Dec 2025 |
22, LANCASTER ROAD SG5 1PD | Semi-detached | £650,000 | 19 Dec 2025 |
22, ELDER AVENUE, STOTFOLD SG5 4ST | Detached | £630,000 | 18 Dec 2025 |
5, BURTON CLOSE, FAIRFIELD SG5 4GP | Semi-detached | £575,000 | 18 Dec 2025 |
2, GARDEN ROW SG5 1QD | Flat/Maisonette | £217,500 | 18 Dec 2025 |
25, MEADOWSWEET WAY, STOTFOLD SG5 4QF | Detached | £580,000 | 18 Dec 2025 |
APARTMENT 12, 42, BANCROFT SG5 1LA | Flat/Maisonette | £370,000 | 18 Dec 2025 |
38, BALMORAL ROAD SG5 1XG | Terraced | £535,000 | 17 Dec 2025 |
9, CRANBORNE AVENUE SG5 2BS | Detached | £945,000 | 16 Dec 2025 |
32A, LUCAS LANE SG5 2JA | Detached | £896,000 | 16 Dec 2025 |
28, GRANGE DRIVE, STOTFOLD SG5 4NJ | Detached | £525,000 | 15 Dec 2025 |
The most recent recorded sale in SG5 was a terraced property on High Street for £480,000 in January 2026. Across the last 20 sales, the median price was £525,000.