Buy or rent / Oxford
Buy or rent in Oxford?
A typical home in Oxford costs around £475,000, and renting one costs around £1,750 a month. That's 22.6 years of rent to buy outright. A first-time buyer with a 15% deposit would need £82,150 in cash, including £8,750 of Stamp Duty. Over 10 years, with the calculator's starting assumptions, renting comes out £9,590 ahead.
These local figures are rough starting points, last updated 16 October 2026. Change them to match the homes you're actually looking at.
£
%
£71,250
£/month
After 10 years
Renting leaves you £9,590 better off
Buying doesn't get ahead within 10 years. Renting here assumes you invest whatever buying would have cost you extra.
- Cash needed to buy
- £82,150Deposit £71,250, Stamp Duty £8,750, fees £2,150
- First month's costs
- £3,362 vs £1,960Buying (mortgage £2,601 plus running costs) vs renting
| Scenario | Better off after 10 yrs | Buying ahead from |
|---|---|---|
| Your assumptions | Renting by £9,590 | Not within the period |
| Mortgage rates 1.5 points higher | Renting by £86,142 | Not within the period |
| House prices don't grow | Renting by £190,628 | Not within the period |
| Rent rises 2.5 points faster | Buying by £27,307 | Year 6 |
| Investments return 2 points less | Buying by £36,201 | Year 5 |