What You Need to Earn to Buy in SO42

The median home in SO42 sold for £795,190. To buy at that price you'd typically need a household income of about £150,000 — based on a 15% deposit and a 4.5× income multiple. Prices are not enough recent sales to show a trend.

Deposit needed to buy in SO42

Deposit %	Deposit £	Mortgage needed
5%	£39,760	£755,430
10%	£79,519	£715,671
15%	£119,279	£675,911
25%	£198,798	£596,392

A typical mortgage on the £795,190 median (85% LTV, 4.5% over 25 years) costs around £3,757/month. Based on 65 Land Registry sales.

Common questions about buying in SO42

What salary do you need to buy a house in SO42?

The median home in SO42 sold for £795,190. With a 15% deposit and a typical 4.5× income multiple, you'd need a household income of about £150,000 to buy at that price. Higher-multiple lenders can reduce the income required — check your own figure with the affordability calculator.

How much is a typical mortgage payment in SO42?

Borrowing £675,912 (85% of the £795,190 median) at 4.5% over 25 years works out at roughly £3,757 a month on a repayment basis.

How much deposit do you need to buy in SO42?

On the £795,190 median price, a 5% deposit is £39,760 and a 10% deposit is £79,519. A larger deposit usually unlocks lower rates.

Are house prices in SO42 rising or falling?

Based on the latest Land Registry sold prices, prices in SO42 are not enough recent sales to show a trend, across 65 recorded sales.

Can you afford to buy in SO42?

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