Average sale prices · HM Land Registry / UK HPI
The average property in Scotland sells for £187,716, up slightly (1.3%) over the past year. Prices have grown from around £3k in the mid-1960s.
Average monthly rent · ONS Private Rental Index
Average monthly rent in Scotland is £1,022, up 2.4% year-on-year. Rents have risen consistently over the past five years.
Monthly residential transactions · HMRC (seasonally adjusted)
2yr fixed · 75% LTV · 25yr term · BoE avg. rate
Based on the average Scotland price of £187,716 with a 25% deposit (£47k), a 2-year fixed mortgage at 3.97% costs around £741 per month.
Monthly cost comparison based on current data
Monthly mortgage payments (£741) are £281 less than renting (£1,022). However, buying requires an upfront deposit of £47k — it would take around 5 years to recoup that cost compared to renting and investing the difference.
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.
There were 94,680 residential property transactions across the UK in January 2026 (seasonally adjusted), down 0.8% compared to a year ago. The highest monthly volume on record was 204,980 in June 2021.