Average house price in Derby 2026: mid-priced, low council tax

The typical home in Derby sold for £220,000 in 2025, according to HM Land Registry Price Paid records — about 25% below the £295,000 median across England and Wales. That places the city in the middle of the East Midlands' three core cities: dearer than Nottingham (£200,000) but cheaper than Leicester (£241,500).

The figures below are medians of completed sales registered with HM Land Registry during 2025 (standard residential transactions: detached, semi-detached, terraced and flats). The median — the midpoint of every sale — is a steadier guide than the average, which a handful of high-value sales can pull upward. Derby's mean sale price was £241,876, around £22,000 above the median, the usual sign of a long upper tail.

Derby house prices by property type

Derby is a semi-detached city. Semis were the single most-traded home in 2025 and sit in the middle of the price range; detached houses cost roughly half as much again, while flats remain a thin slice of the market.

Source: HM Land Registry Price Paid Data, 2025 completions (category A, standard residential).

Derby house prices by area

Prices span a fairly narrow band by city standards — the dearest district's median is about 1.7 times the cheapest, a far tighter spread than cities such as Sheffield, where the gap runs past four times. The north-western and southern suburbs lead; the city centre and the south-eastern estates anchor the lower end.

Source: HM Land Registry, 2025 completions, districts with 30+ sales. Every figure is filtered to the City of Derby local authority. The DE postcode area is wider than the council boundary — DE73, for example, also reaches Melbourne in South Derbyshire — so only the Derby-side sales are counted here. For a street-level view you can check the true cost of any Derby postcode on the Homecost tool.

How Derby prices have moved

The raw median rose from £215,000 in 2024 to £220,000 in 2025, a 2.3% increase. Because the raw figure shifts with whichever homes happen to change hands, the mix-adjusted UK House Price Index is the more reliable read on direction. The City of Derby index moved from 101.6 to 102.1 in the year to March 2026 — a 0.5% rise — while the wider Derbyshire (+1.1%) and East Midlands region (+0.7%) series also edged up over the same period (ONS and HM Land Registry, UK HPI, March 2026 release). The UK index as a whole was essentially flat (+0.1%). The raw and mix-adjusted measures both point in the same modest, upward direction.

These are published index movements to a fixed historical date, not predictions. Homecost does not forecast prices.

Council tax: the cheapest of the three East Midlands cities to run

Derby's Band D council tax for 2026-27 is £2,306.00 (gov.uk). That is the lightest of the three core East Midlands cities — and notably below Nottingham, where the Band D charge of £2,755.39 is the third-highest of all 296 English billing authorities.

Council tax is a flat per-band charge set by each authority against 1991 property valuations, not a percentage of the price paid — which is why a cheaper city to buy in (Nottingham) can be the dearest to run. Derby sits in the middle on price and at the bottom on the annual charge. You can see how average house prices in Nottingham and average house prices in Sheffield compare across the wider region.

What it costs to buy and run a typical Derby home

At the £220,000 median, a buyer's headline costs work out as follows.

• Stamp duty (SDLT): £1,900 for a standard purchase — an effective rate of 0.86%. The first £125,000 is taxed at 0%, with 2% on the slice up to £250,000 (HMRC residential rates, 2026). A first-time buyer purchasing their main residence pays £0, because the price is below the £300,000 first-time-buyer nil-rate threshold. A buyer of an additional property (a second home or buy-to-let) pays a further 5% surcharge on the whole price — £11,000 — taking the bill to £12,900.
• Mortgage: with a 25% deposit (£55,000) and a £165,000 loan over 25 years at the Bank of England's most recent 75% loan-to-value five-year fixed quoted rate of 4.32% (April 2026), the monthly payment (capital and interest) is about £900. Your own rate will depend on your lender, deposit and credit profile.
• Council tax: Band D works out at roughly £192 a month.

Together, the mortgage and council tax come to around £1,090 a month before energy, insurance and maintenance. You can run the numbers for a different deposit or price on the stamp duty calculator, and compare the wider picture in our guide to the true cost of buying a £250,000 home.

This is general information, not advice. Speak to a qualified adviser before acting.

Energy efficiency of Derby homes

Of the roughly 73,800 domestic Energy Performance Certificates on record for Derby, 29.3% are rated C or above and 70.7% sit at band D or below (A 130, B 4,674, C 16,828, D 33,367, E 14,907, F 3,288, G 651). That is close to the middle of the larger English cities we have looked at, reflecting a housing stock weighted towards inter-war and post-war suburban semis. The median certified floor area is 82 square metres.

A note on EPC running-cost figures: the modelled energy costs printed on certificates use dated assumptions and should not be read as current bills — the gap between bands is broadly directional, but the absolute pound figures are not.

The bottom line

Derby is the quietly balanced member of the East Midlands trio: neither the cheapest nor the dearest of the three to buy, and the lightest of the three on council tax. Its semi-detached suburbs cluster within a narrow price band, and both the raw and mix-adjusted measures show prices nudging gently upward to early 2026.

To see what any individual street actually costs — last sale prices, council tax, energy and the all-in monthly figure — search a postcode on Homecost, or browse our other Regional Prices guides.