Buy or rent / Guildford
Buy or rent in Guildford?
A typical home in Guildford costs around £485,000, and renting one costs around £1,850 a month. That's 21.8 years of rent to buy outright. A first-time buyer with a 15% deposit would need £84,150 in cash, including £9,250 of Stamp Duty. Over 10 years, with the calculator's starting assumptions, buying comes out £2,365 ahead.
These local figures are rough starting points, last updated 16 October 2026. Change them to match the homes you're actually looking at.
£
%
£72,750
£/month
After 10 years
Buying leaves you £2,365 better off
Buying gets ahead of renting in year 9, after selling costs. Renting here assumes you invest whatever buying would have cost you extra.
- Cash needed to buy
- £84,150Deposit £72,750, Stamp Duty £9,250, fees £2,150
- First month's costs
- £3,425 vs £2,060Buying (mortgage £2,656 plus running costs) vs renting
| Scenario | Better off after 10 yrs | Buying ahead from |
|---|---|---|
| Your assumptions | Buying by £2,365 | Year 9 |
| Mortgage rates 1.5 points higher | Renting by £75,798 | Not within the period |
| House prices don't grow | Renting by £182,484 | Not within the period |
| Rent rises 2.5 points faster | Buying by £41,370 | Year 5 |
| Investments return 2 points less | Buying by £48,025 | Year 4 |