The UK Cities Offering the Best Housing Deals in 2026
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The UK Cities Offering the Best Housing Deals in 2026
According to a June 2026 report on British housing trends, Aberdeen has the hottest real estate market in the UK right now. A new study by Everest Mortgages reveals the top 10 British cities offering the best property deals for homebuyers.
- Aberdeen offers the best housing deals in the UK, with prices down nearly 3% and monthly mortgage payments of under £800.
- Nearly 1 in 3 Portsmouth homes have been stuck on the market for 6+ months, meaning buyers there have more leverage over sellers.
- Blackpool homes have dropped 19% in price since 2024, making it the biggest buying opportunity in the UK right now.
The research examined 45+ UK cities to find where buyers get the best deal in 2026. It looked at average house prices and how they’ve changed since 2024, plus monthly mortgage payments based on a 4.75% interest rate. The study also considered annual property tax rates and active listing counts from Zoopla, which show how much choice buyers have in each market. The share of homes that had been listed for over six months was used to measure how slow or stagnant each market is.
Here’s a look at the top 10 UK cities offering the best housing deals in 2026:
City | Average Price In 2026 | Price Change 2024-2026 | Annual Property Tax | Monthly Payment | % Homes on Market for 6m+ | Active Listings | Score |
Aberdeen | £134K | -2.77% | £1,686 | £775 | 34% | 442 | 100 |
Blackpool | £136K | -18.66% | £2,513 | £786 | 30% | 641 | 96 |
Norwich | £226K | -14.71% | £2,503 | £1,307 | 30% | 1396 | 79 |
Portsmouth | £250K | -11.56% | £2,292 | £1,446 | 32% | 733 | 78 |
Dundee | £134K | 1.38% | £1,730 | £775 | 17% | 284 | 75 |
Southampton | £233K | -10.61% | £2,381 | £1,348 | 28% | 1463 | 73 |
Stoke | £151K | 1.37% | £2,183 | £873 | 23% | 1167 | 70 |
London | £530K | 0.41% | £1,330 | £3,065 | 38% | 50K+ | 69 |
Bournemouth | £308K | -7.89% | £2,436 | £1,781 | 36% | 1493 | 67 |
Swansea | £205K | 11.89% | £2,238 | £1,186 | 37% | 1632 | 65 |
You can access the complete research findings here.
1. Aberdeen
- Average price (2026): £134,000
- Price change (2024–2026): -2.8%
- Monthly mortgage payment: £775
- Annual property tax: £1,686
- Homes on market for 6+ months: 34%
- Active listings: 442
Aberdeen is the best place in Britain to buy a home right now. Prices here have actually fallen nearly 3% since 2024, so buyers won’t be overpaying in a rising market. At £134K on average, a typical house here costs less than a new car in most parts of England. Plus, monthly mortgage payments are manageable at £775, and property tax comes to £1,686 a year, one of the cheapest rates in the UK.
2. Blackpool
No city has seen prices fall harder than Blackpool. Homes here have dropped nearly 19% since 2024, going from £167K to £136K. Beyond this, those purchasing a property through a mortgage won’t have to deal with expensive rates, as typical payments average under £800, nearly as low as in Aberdeen. Blackpool also has 641 active listings right now, and with its relatively small local market, supply is outpacing demand.
3. Norwich
Prices in Norwich have come off sharply, falling almost 15% over the past two years to an average of £226K. That’s a significant correction and a great opportunity for homebuyers to make a discounted purchase. Beyond that, about 30% of listings on the Norwich housing market have been sitting unsold for more than half a year, giving buyers more leverage to negotiate an even better price.
4. Portsmouth
Next comes Portsmouth, where property prices have fallen by over 11% since 2024. Nowadays, a typical house in the city sells for around £250K, but with nearly a third of homes going six months or longer without an offer, homebuyers here have an advantage to bring the asking price down. Another draw is that the mortgage rates are also low, averaging around £1,450 a month, £1,000 cheaper than in cities like Oxford or Cambridge.
5. Dundee
Dundee rounds out the top five hottest housing markets in the UK right now. Prices here have been stable in recent years, but monthly mortgage payments of just £775 still make it one of the cheapest cities to buy in. Property taxes are also low in Dundee, with yearly expenses at £1,730. Plus, flipping a house at a higher price is easier as well, as only 17% of listings sit on the market for more than six months.
A housing analyst from Everest Mortgages commented on the study:
“Falling prices aren’t always a red flag. In Blackpool and Norwich, the drops are happening because properties have become too expensive for local wages. That correction was inevitable. For buyers, a 15-19% price fall means you’re starting from a much better position than someone who bought two years ago. So it’s a great buying opportunity for both investors and those who just want to settle in, especially given that mortgages are cheap too.”
When using the data, please credit: https://everest-mortgages.co.uk/
John Everest
About Author
John Everest is a well-regarded mortgage and financial services adviser based in Brighton & Hove, UK. As Director of Everest Mortgage Services Ltd, John uses his industry expertise to empower clients to make sound financial decisions with confidence.
Experience Snapshot:
– Director, Everest Mortgage Services Ltd (company no. 10145887)
– FCA-registered firm (REF: 786425)
– Whole-of-market mortgage adviser with a focus on client-centric service
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Over 21 years in the banking industry working with banking operations in all aspects of banking.
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