Estimate what your parents' house — or any UK property — would be worth today based on purchase price and year. Uses historical UK HPI growth rates.
Note: Lenders also consider credit history, existing debts and monthly outgoings. This is an estimate only.
Estimate the equity you could release by downsizing to a smaller property.
Stamp duty on purchase not included — use our Stamp Duty Calculator for a full breakdown.
| Decade | Start Price | End Price | Nominal Growth | Real Growth (CPI adj.) | Notes |
|---|---|---|---|---|---|
| 1970s | £5,000 | £19,000 | +280% | +25% | High inflation decade |
| 1980s | £19,000 | £59,000 | +211% | +90% | Lawson boom and bust |
| 1990s | £59,000 | £84,000 | +42% | +15% | Recession, negative equity |
| 2000s | £84,000 | £167,000 | +99% | +65% | Credit boom, financial crisis |
| 2010s | £167,000 | £247,000 | +48% | +28% | Help to Buy, London surge |
| 2020-2026 | £247,000 | £285,000 | +15% | -5% (real) | Pandemic boom, rate rises, correction |
| Region | Long-term Annual Growth | 2023-2026 Trend | Key Driver |
|---|---|---|---|
| London | 8.2% nominal | Slowing (2-3%) | International demand, jobs |
| South East | 7.5% nominal | 2-3% | London overspill, commuter demand |
| North West | 6.2% nominal | 4-5% | Manchester regeneration |
| Yorkshire | 5.8% nominal | 4-5% | Leeds growth, affordability |
| Scotland | 6.5% nominal | 4-5% | Edinburgh demand, limited supply |
| North East | 5.2% nominal | 3-4% | Affordability, investment |
| South West | 6.8% nominal | 3-4% | Lifestyle migration, remote work |
How does UK residential property compare as an investment versus equities over the long term?
| Asset Class | 30-Year Return (Nominal) | Annual Avg | Leverage Available | Tax on Main Home |
|---|---|---|---|---|
| UK Residential Property | ~400-600% | 6-7% | Yes (mortgage) | No CGT on primary home |
| FTSE 100 (Total Return) | ~500-700% | 7-8% | Limited (CFDs) | CGT above annual allowance |
| S&P 500 (Total Return, USD) | ~800-1200% | 9-10% | Limited | CGT + currency risk for UK investors |
| UK Cash / Savings | ~80-120% | 2-3% | No | Income tax on interest |
Note: Property returns shown exclude costs (stamp duty, maintenance, agents, mortgage interest). Including mortgage leverage (e.g. 25% deposit) amplifies property returns significantly. Past performance is not a guide to future returns.