The Derby property market in figures
The average home in Derby sold for £207,000 in July 2026, up 2.7% on £202,000 a year earlier, according to ONS figures from the UK House Price Index. That is below the East Midlands average of £242,274, which moved up 1.9%.
Detached homes averaged £317,000, semi-detached £210,000, terraced £167,000 and flats or maisonettes £107,000. Over the year, semi-detached prices rose 3.4% while flats were around the same.
Cash buyers in Derby paid £200,000 on average and buyers with a mortgage £210,000; first-time buyers averaged £185,000 and those moving home £241,000.
Private rents in Derby averaged £860 a month in August 2026, up 3.1% from £835. One-bedroom homes let for £608, two bedrooms £778, three £937 and four or more £1,302.
Looking at the breakdown, semi-detached rents rose 3.4% and detached 2.5%. For comparison, rents across the East Midlands averaged £922, up 3.7%, so Derby is cheaper to rent in than its wider area.
In context, Derby homes averaged 24.2% less than the UK figure of £273,000, while home-movers paid £56,000 more than first-time buyers (£241,000 against £185,000), and rents outpaced prices, up 3.1% against +2.7% for values, and a four-bedroom let cost 2.1 times a one-bedroom let.
Loan sizes and yields in Derby
Run the averages through a bridge and a Derby terrace at £167,000 supports roughly £115,000 at 70% loan to value, a semi at £210,000 roughly £160,000 at 75%. The lender's valuer sets the figure that counts, not the index.
Where the exit is a buy-to-let mortgage, a Derby flat letting at £709 against a £107,000 average price yields about 8.0% gross, and a terrace at £845 against £167,000 about 6.1%. At those levels, rent usually covers a buy-to-let lender's stress test with room to spare. Our bridging calculator covers the cost of the bridge itself.
Tax and legal points in Derby
Stamp Duty Land Tax is often the biggest cost after the deposit. A terraced house at the £167,000 average would cost about £9,190 in Stamp Duty Land Tax, and a flat at £107,000 about £5,350, for an individual buying an additional home, using the current bands plus the 5% higher-rates surcharge. Your solicitor confirms the exact figure.
Who decides planning in Derby
Derby City Council is the planning authority. The Derby City Local Plan Part 1: Core Strategy was adopted on 25 January 2017 for 2011 to 2028 with a requirement of 11,000 homes, with South Derbyshire and Amber Valley taking part of the city's unmet need. A new Local Plan for Derby 2023 to 2043 reached its Regulation 19 stage in July 2026 and aims for a minimum of 12,500 new homes.
Lenders that lend in Derby
For Derby, our panel has 49 lenders that offer first charge bridging. Each is named below, with a link to our review where we have one. Coverage comes from each lender's own criteria, and we confirm it for the exact address before we approach anyone.
Bridging loans in Derby: questions
What is the average house price in Derby?
£207,000 in July 2026, up 2.7% on a year earlier (ONS, UK House Price Index).
How many lenders do bridging loans in Derby?
49 on our panel offer first charge bridging that covers Derby.
What does a property rent for in Derby?
£860 a month on average in August 2026, up 3.1% on the year, from £608 for one bedroom to £1,302 for four or more. A terraced house averages a rough gross yield of 6.1%.
How much Stamp Duty Land Tax would an investor pay in Derby?
About £9,190 on a £167,000 purchase for an individual buying an additional home (October 2026 rates).
Is a bridging loan in Derby regulated?
Only if you or a close family member live, or will live, in the property. Bridges on Derby investment, company or commercial property are usually unregulated.
