Average house price in Bradford in 2026: a postcode breakdown

Bradford is one of England's largest cities, yet it remains one of its most affordable. Across the 6,546 homes sold in the metropolitan district in 2025, the median price paid was £186,000 (HM Land Registry). That is roughly 62% of the England-wide median of £300,000 — and it means a typical Bradford home changes hands for less than the tax-free allowance a first-time buyer gets on their main residence.

This guide breaks down what buyers actually paid across the district in 2025: by property type, by postcode, and alongside the council tax, stamp duty and monthly costs that follow. Figures are drawn from HM Land Registry price-paid records, gov.uk council-tax data and the Bank of England's published mortgage rates; all were retrieved on 3 August 2026.

What the typical home costs

Bradford is a terraced-house city. Terraces were the single most-traded property type in 2025 — 2,548 sales, nearly two in five — and their £146,000 median sits below every other type. Semi-detached homes, the next-largest group, come in at £200,000.

The mean sale price, at £225,740, sits well above the median — the usual sign that a smaller number of higher-value detached sales pull the average up. The median is the better guide to what a typical buyer paid. For a fuller worked example at this price level, see the true cost of buying a £200,000 home.

The postcode ladder: from £88,500 to £401,000

The district's headline figure hides a wide spread. Grouping 2025 sales by postcode district shows a 4.5-times gap between the cheapest and dearest parts of the City of Bradford — which stretches from the inner terraces up the Aire Valley to the Wharfedale spa town of Ilkley.

The inner districts — BD1, BD3 and BD5 — carry the cheapest terraced stock in the city, while the Aire and Wharfe valley towns of Bingley, Baildon and Ilkley sit at the top. You can see the street-level picture for any of these by entering a postcode into the Homecost tool — for example Shipley and Saltaire (BD18) or central Bradford's BD2.

Bradford's £186,000 median undercuts its West Yorkshire neighbour Leeds, where the district median was £247,500 in 2025 (see the average house price in Leeds). Further south, Sheffield's market gives another Yorkshire comparison point.

Council tax: below the England average

Bradford Council set its Band D charge at £2,360.73 for 2026-27 (gov.uk). That is below the England-wide mean Band D of £2,410.97, and the third-lowest of the five West Yorkshire districts — cheaper than Kirklees (£2,441.07) and Calderdale (£2,420.15), though above Leeds (£2,283.73) and Wakefield (£2,296.89).

Band D is a benchmark, not what most Bradford households pay. Because council-tax bands were fixed to property values as at 1 April 1991 (Local Government Finance Act 1992), a large share of the city's terraced and flatted stock sits in the lowest bands. Applying the statutory ratios to the same authority's charge, a Band A bill — where much of the sub-£150,000 stock falls — is £1,573.82 for 2026-27, and Band B is £1,836.12. The band depends on the 1991 valuation, not today's price.

The counter-intuitive relationship between purchase price and council tax across the county is explored in West Yorkshire's council-tax paradox.

What a Bradford home costs each month

Running costs follow the purchase price. At the Bank of England's most recent quoted rate for a five-year fix at 75% loan-to-value — 4.32% as of April 2026 — with a 25% deposit over a 25-year term, the mortgage and council-tax picture looks like this:

These figures cover mortgage and council tax only; energy, insurance, maintenance and any service charges are extra, and a buyer's actual mortgage rate will depend on their lender, deposit and credit profile. Where a home sits in Band A rather than Band D, the council-tax line falls by around £66 a month.

Stamp duty at Bradford prices

Because the district median of £186,000 sits below the £250,000 point at which the main stamp-duty rate steps up, the bills here are modest — and for many buyers, nil.

• Home-mover: SDLT of £1,220 on a £186,000 purchase (HMRC, 2026), an effective rate of 0.66%. A £146,000 terrace attracts just £420.
• First-time buyer: £0. First-time buyers purchasing their main residence below £300,000 pay no stamp duty, so the entire Bradford median falls inside the relief.
• Additional property: a buyer who already owns a home pays the 5% surcharge on top, taking a £186,000 purchase to £10,520.

Eligibility for first-time-buyer relief is confirmed by a conveyancer on completion. This is general information, not advice — speak to a qualified adviser before acting.

An older, less efficient housing stock

Affordability comes with an energy trade-off. Of 102,735 Bradford properties with a current Energy Performance Certificate, 28.3% are rated C or above — below the England and Wales average of roughly 40% — while 3.5% sit in the lowest F or G bands. The pattern reflects the city's large stock of solid-wall Victorian terraces, which are harder and costlier to insulate than post-2000 homes.

Market context

The wider trend is one of steady growth rather than the sharp swings seen elsewhere. The ONS and HM Land Registry UK House Price Index recorded West Yorkshire up 4.1% in the year to April 2026 (the latest release), close to the England-wide figure of 4.0%. Homecost does not forecast prices; these are the most recent published readings.

See the numbers for your postcode

Bradford illustrates a pattern that runs through England's northern cities: a low purchase price and a below-average council-tax bill, set against an older, less energy-efficient housing stock. To see the true cost of any Bradford street — recent sale prices, council tax, stamp duty and estimated monthly outgoings — enter a postcode such as BD2 1AA into the Homecost tool, or browse more regional price guides.

All figures are drawn from HM Land Registry price-paid records, gov.uk council-tax data, the Bank of England and Energy Performance Certificate data, retrieved on 3 August 2026. See how Homecost builds its cost estimates.