Key indicators for buyers
The SM5 market is moderately favourable for buyers. Prices have softened (-4.9%), which could present a buying opportunity. Affordability has improved from a peak of 13.8x in 2021 to 11.4x today. Rising rents (£1,544/mo, +2.7%) 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 Sutton area
A home in Sutton costs 11.4x the local median salary — very stretched, improving from a peak of 13.8x in 2021.
Average monthly rent · ONS Private Rental Index
Rental data shown for wider Sutton area
Average monthly rent in Sutton is £1,544, up 2.7% 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 Sutton price of £467,550 with a 25% deposit (£117k), a 2-year fixed mortgage at 3.97% costs around £1,845 per month.
Monthly cost comparison based on current data
Uses SM5 avg. price with Sutton rental data
Monthly mortgage payments (£1,845) are £301 more than renting (£1,544). However, buying requires an upfront deposit of £117k — it would take around 12 years to recoup that cost compared to renting and investing the difference.
Latest transactions · HM Land Registry Price Paid Data
| Address | Type | Price | Date |
|---|---|---|---|
100, TITCHFIELD ROAD SM5 1PU | Terraced | £252,000 | 21 Jan 2026 |
252, GREEN WRYTHE LANE SM5 2SP | Terraced | £446,500 | 16 Jan 2026 |
18, WHITLAND ROAD SM5 1QS | Terraced | £385,000 | 12 Jan 2026 |
FLAT 7, 13, HIGH STREET SM5 3AP | Flat/Maisonette | £255,000 | 9 Jan 2026 |
10, ANGLESEY GARDENS SM5 3JE | Semi-detached | £705,000 | 9 Jan 2026 |
20, BANKSIDE CLOSE SM5 3SB | Flat/Maisonette | £456,000 | 9 Jan 2026 |
71, CULVERS AVENUE SM5 2BH | Semi-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 SM5 sold for £467,550 in 2026, with a median of £451,250 across 10 transactions. Prices fell 4.9% compared to the previous year.
| £570,000 |
| 9 Jan 2026 |
15, LIMES AVENUE SM5 2AA | Terraced | £500,000 | 9 Jan 2026 |
68, STANLEY PARK ROAD SM5 3HY | Semi-detached | £771,000 | 7 Jan 2026 |
30A, BEECHWOOD COURT, WEST STREET LANE SM5 2PZ | Flat/Maisonette | £335,000 | 5 Jan 2026 |
FLAT 8, DIANA COURT, 59, STANLEY ROAD SM5 4LE | Flat/Maisonette | £300,000 | 22 Dec 2025 |
43, TINTERN ROAD SM5 1QF | Terraced | £400,000 | 19 Dec 2025 |
OAK HOUSE, 32, DIAMOND JUBILEE WAY SM5 4AS | Semi-detached | £380,000 | 18 Dec 2025 |
24, STANHOPE ROAD SM5 4LH | Terraced | £485,000 | 18 Dec 2025 |
14A, HIGH STREET SM5 3AG | Flat/Maisonette | £315,000 | 18 Dec 2025 |
14, PAISLEY ROAD SM5 1SR | Terraced | £500,000 | 17 Dec 2025 |
FLAT 2, LONDON HOUSE, 42, WEST STREET SM5 2PR | Flat/Maisonette | £380,000 | 17 Dec 2025 |
37, MILLSIDE SM5 2BQ | Flat/Maisonette | £330,000 | 17 Dec 2025 |
17, SHORTS ROAD SM5 2PB | Semi-detached | £580,000 | 16 Dec 2025 |
31, BEYNON ROAD SM5 3RW | Flat/Maisonette | £340,000 | 16 Dec 2025 |
The most recent recorded sale in SM5 was a terraced property on Titchfield Road for £252,000 in January 2026. Across the last 20 sales, the median price was £400,000.