Key indicators for buyers
The AL1 market presents a mixed picture for buyers. Prices are rising at 11.5%, which may favour acting sooner rather than later. Affordability has improved from a peak of 18.3x in 2022 to 15.0x today. Rising rents (£1,910/mo, +3.0%) 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 St Albans area
A home in St Albans costs 15.0x the local median salary — very stretched, improving from a peak of 18.3x in 2022.
Average monthly rent · ONS Private Rental Index
Rental data shown for wider St Albans area
Average monthly rent in St Albans is £1,910, up 3.0% 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 St Albans price of £695,583 with a 25% deposit (£174k), a 2-year fixed mortgage at 3.97% costs around £2,745 per month.
Monthly cost comparison based on current data
Uses AL1 avg. price with St Albans rental data
Monthly mortgage payments (£2,745) are £835 more than renting (£1,910). However, buying requires an upfront deposit of £174k — 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 |
|---|---|---|---|
5, ABBEY COURT, HOLYWELL HILL AL1 1HA | Flat/Maisonette | £392,000 | 27 Jan 2026 |
32, PAXTON ROAD AL1 1PF | Terraced | £922,000 | 23 Jan 2026 |
34, BUTT FIELD VIEW AL1 2QL | Detached | £700,000 | 23 Jan 2026 |
76, CAMPFIELD ROAD AL1 5HZ | Semi-detached | £650,000 | 22 Jan 2026 |
24, SANDRIDGE ROAD AL1 4AS | Semi-detached | £765,000 | 20 Jan 2026 |
5, TAVISTOCK CLOSE AL1 2NS | Terraced | £492,500 | 20 Jan 2026 |
15, CULVER ROAD AL1 4EB | Terraced | £550,000 |
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 AL1 sold for £695,583 in 2026, with a median of £650,000 across 15 transactions. Prices rose 11.5% compared to the previous year.
| 16 Jan 2026 |
15, ALBION ROAD AL1 5EB | Terraced | £490,000 | 15 Jan 2026 |
110, BEAUMONT AVENUE AL1 4TP | Terraced | £800,000 | 14 Jan 2026 |
41, JENNINGS ROAD AL1 4NX | Detached | £1,813,750 | 9 Jan 2026 |
87, CULVER ROAD AL1 4EB | Terraced | £795,000 | 9 Jan 2026 |
73, HOLYWELL HILL AL1 1HF | Semi-detached | £581,000 | 7 Jan 2026 |
2, THE SHRUBBERIES AL1 2AW | Flat/Maisonette | £352,500 | 6 Jan 2026 |
8, SERRA HOUSE, CHARRINGTON PLACE AL1 3FU | Flat/Maisonette | £230,000 | 5 Jan 2026 |
39, THE DELL AL1 4HF | Semi-detached | £900,000 | 5 Jan 2026 |
10, KITCHENER CLOSE AL1 5RJ | Terraced | £412,500 | 22 Dec 2025 |
29, NERO HOUSE, CHARRINGTON PLACE AL1 3GW | Flat/Maisonette | £375,000 | 19 Dec 2025 |
35, MILLINERS COURT AL1 3XT | Flat/Maisonette | £365,000 | 19 Dec 2025 |
FLAT 8, SAXON HOUSE, 2, UPPER MARLBOROUGH ROAD AL1 3UR | Flat/Maisonette | £390,000 | 19 Dec 2025 |
FLAT 5, KEYSTONE HOUSE, 60, LONDON ROAD AL1 1NG | Flat/Maisonette | £265,000 | 19 Dec 2025 |
The most recent recorded sale in AL1 was a flat/maisonette property on Holywell Hill for £392,000 in January 2026. Across the last 20 sales, the median price was £550,000.