Key indicators for buyers
The AL4 market is moderately favourable for buyers. Prices have softened (-10.5%), which could present a buying opportunity. 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 £610,778 with a 25% deposit (£153k), a 2-year fixed mortgage at 3.97% costs around £2,410 per month.
Monthly cost comparison based on current data
Uses AL4 avg. price with St Albans rental data
Monthly mortgage payments (£2,410) are £500 more than renting (£1,910). However, buying requires an upfront deposit of £153k — it would take around 13 years to recoup that cost compared to renting and investing the difference.
Latest transactions · HM Land Registry Price Paid Data
| Address | Type | Price | Date |
|---|---|---|---|
217, SANDPIT LANE AL4 0BT | Semi-detached | £900,000 | 21 Jan 2026 |
40, ELIZABETH COURT AL4 9JD | Flat/Maisonette | £550,000 | 21 Jan 2026 |
77, CHALKDELL FIELDS AL4 9LU | Semi-detached | £879,550 | 20 Jan 2026 |
180, ST ALBANS ROAD, SANDRIDGE AL4 9LP | Detached | £640,000 | 16 Jan 2026 |
35, FOUR LIMES, WHEATHAMPSTEAD AL4 8JN | Flat/Maisonette | £174,950 | 13 Jan 2026 |
23, CRAIGLANDS AL4 9AH | Terraced | £735,000 | 9 Jan 2026 |
16, LINCOLNS CLOSE AL4 9YQ | 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 AL4 sold for £610,778 in 2026, with a median of £640,000 across 9 transactions. Prices fell 10.5% compared to the previous year.
| £870,000 |
| 9 Jan 2026 |
57, BULLENS GREEN LANE, COLNEY HEATH AL4 0QR | Terraced | £380,000 | 9 Jan 2026 |
50, HARNESS WAY AL4 9HB | Terraced | £367,500 | 9 Jan 2026 |
36, OFFAS WAY, WHEATHAMPSTEAD AL4 8PD | Flat/Maisonette | £365,000 | 19 Dec 2025 |
41, WOODLAND DRIVE AL4 0EL | Semi-detached | £1,200,000 | 19 Dec 2025 |
334, LOWER LUTON ROAD, WHEATHAMPSTEAD AL4 8JQ | Semi-detached | £616,500 | 19 Dec 2025 |
25, SLEAPSHYDE LANE, SMALLFORD AL4 0SD | Semi-detached | £640,000 | 15 Dec 2025 |
12, NEWFIELD WAY AL4 0GD | Semi-detached | £640,000 | 15 Dec 2025 |
16, ST BARTS CLOSE AL4 0BY | Detached | £825,000 | 15 Dec 2025 |
3, MARSHALLS HEATH LANE, WHEATHAMPSTEAD AL4 8HR | Semi-detached | £417,000 | 12 Dec 2025 |
7, RYECROFT COURT, HATFIELD ROAD AL4 0SW | Flat/Maisonette | £325,000 | 10 Dec 2025 |
25, CHURCH CROFT AL4 0GN | Terraced | £495,000 | 10 Dec 2025 |
7, HIGHFIELD LANE, TYTTENHANGER AL4 0RE | Semi-detached | £692,000 | 10 Dec 2025 |
1, MILFORD CLOSE, MARSHALSWICK AL4 9AQ | Terraced | £400,000 | 8 Dec 2025 |
The most recent recorded sale in AL4 was a semi-detached property on Sandpit Lane for £900,000 in January 2026. Across the last 20 sales, the median price was £640,000.