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Buy or rent / Glasgow

Buy or rent in Glasgow?

A typical home in Glasgow costs around £195,000, and renting one costs around £1,100 a month. That's 14.8 years of rent to buy outright. A first-time buyer with a 15% deposit would need £31,800 in cash, including £400 of LBTT. Over 10 years, with the calculator's starting assumptions, buying comes out £62,953 ahead.

These local figures are rough starting points, last updated 16 October 2026. Change them to match the homes you're actually looking at.

£
%

£29,250

£/month

After 10 years

Buying leaves you £62,953 better off

Buying gets ahead of renting in year 2, after selling costs. Renting here assumes you invest whatever buying would have cost you extra.

£0£50k£100k£150kYr 2Yr 4Yr 6Yr 8Yr 10RentingBuyingBuying ahead from year 2
Net worth each year. Buying: home equity after selling costs, plus anything invested. Renting: investments plus the tenancy deposit.
years
Mortgage
%
years
%

Most people remortgage instead, so this is a cautious guess.

years
Growth and returns
% a year
% a year
% a year

What the renter earns on money not spent on the home, after fees. Assumed tax-free, as in an ISA.

% a year
Running and one-off costs
£/month

Paid whether you buy or rent.

£/month
% of value a year
£/month
£/month
£
£
% of price
Cash needed to buy
£31,800Deposit £29,250, LBTT £400, fees £2,150
First month's costs
£1,535 vs £1,290Buying (mortgage £1,068 plus running costs) vs renting
What if your assumptions are wrong?
ScenarioBetter off after 10 yrsBuying ahead from
Your assumptionsBuying by £62,953Year 2
Mortgage rates 1.5 points higherBuying by £31,527Year 3
House prices don't growRenting by £11,367Not within the period
Rent rises 2.5 points fasterBuying by £86,146Year 2
Investments return 2 points lessBuying by £75,240Year 2

Before you decide

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