Houses and flats in the TD15 postcode district, which covers Berwick-upon-Tweed and the land around it, sold for a median of £195,000 across 251 standard residential sales in 2025 (HM Land Registry). That is about a third below the England and Wales median of £295,650 for the same year. Berwick sits on the English side of the Scottish border, and the purchase tax on the other side is set by a different regime, so the line matters to buyers on both sides.
Key figures at the Berwick median
| Measure | Figure | Basis |
|---|---|---|
| Standard sales, 2025 | 251 | HM Land Registry, houses and flats |
| Median sale price | £195,000 | Same sales |
| Mean sale price | £246,641 | Same sales |
| Stamp duty, home mover, at the median | £1,400 (0.72%) | HMRC residential rates |
| Stamp duty, first-time buyer, at the median | £0 | HMRC residential rates |
| Monthly mortgage at the median (75% loan-to-value, 25 years, 4.32%) | about £798 | Bank of England quoted rate, 1 April 2026 |
| Council tax Band D, 2026-27 (Northumberland) | £2,596.94 a year | gov.uk council tax levels |
What sells for what, by property type
Detached homes sit at the top of the range, with a median of £350,000 across 55 sales. Semi-detached and terraced homes cluster between £185,000 and £187,000. Flats are the entry point at £135,000, though with 36 sales the flat figure is the least certain number in this guide.
| Property type | Sales (2025) | Median price |
|---|---|---|
| Detached | 55 | £350,000 |
| Semi-detached | 68 | £186,750 |
| Terraced | 92 | £185,000 |
| Flat | 36 | £135,000 |
The mean of £246,641 sits well above the median. That gap comes from the detached tail, which pulls the average up, so the median is the better guide to a typical sale.
Two postcode sectors, one £25,000 gap
Split by postcode sector, TD15 1 has a median of £175,000 across 97 sales, and TD15 2 has a median of £200,000 across 154. The gap is £25,000, or about 14% more in the second sector.
The border and the tax line
The TD15 district straddles the border. Some of its postcodes are on the Scottish side, but every 2025 sale in this analysis was recorded in Northumberland. Scottish sales are recorded by Registers of Scotland and sit outside the Land Registry dataset used here, so this guide covers the English side only.
Purchase tax changes at the line too. Scotland applies Land and Buildings Transaction Tax (LBTT) rather than SDLT, with its own bands and relief rules. Our cross-border house-buying guide sets out the cost difference, and the SDLT, LBTT and LTT comparison covers the bands for each nation.
Stamp duty at the median
At £195,000 the bill depends on the buyer's status:
- Home mover (not a first-time buyer, not buying an additional property): £1,400, an effective rate of 0.72%. That is the 2% band applied to the £70,000 slice between £125,000 and £250,000.
- First-time buyer buying a main residence: £0. The first-time buyer nil-rate band runs to £300,000, so a purchase at the median falls wholly inside it.
- Additional property: £11,150, the standard £1,400 plus the 5% surcharge on the full price.
These are general rules, and eligibility depends on the buyer's circumstances. A conveyancer confirms eligibility on completion. Speak to a qualified adviser before acting.
What the median costs each month
A buyer who puts down 25% (£48,750) borrows £146,250. At 4.32%, the most recent 75% loan-to-value five-year fixed rate in our data (Bank of England, dated 1 April 2026), repaid over 25 years, the monthly payment is about £798. The Northumberland Band D benchmark for 2026-27 is £2,596.94 a year, or £216 a month. Together that comes to about £1,014 a month before energy, insurance and maintenance.
Band D is a benchmark. Most homes are in other bands, so the council tax on a specific property can be higher or lower. Your mortgage rate depends on your lender, deposit and credit profile. Speak to a qualified adviser before acting.
Energy efficiency
Of 2,935 houses and flats in the district with a current energy performance certificate, 29.5% are rated C or above, 43.6% sit at D and 26.9% at E to G. An EPC band is a modelled rating. The annual energy cost printed on a certificate is an estimate made at inspection and can differ from a real bill, so the band tells you about the building rather than what you will pay.
Where to take the numbers next
Enter any TD15 postcode in the Homecost postcode tool to see the mortgage, council tax, energy and stamp duty figures for a specific home. For more regional comparisons, browse the regional price guides, or read average house prices in Newcastle for a larger northern market.
Based on 251 HM Land Registry standard residential sales in the TD15 postcode district recorded in 2025, 2,935 domestic EPC certificates, gov.uk 2026-27 council tax levels for Northumberland, and the Bank of England's quoted 75% loan-to-value five-year fixed rate dated 1 April 2026. Figures fetched 5 October 2026. Read how we use the data.
This is general information, not advice. Speak to a qualified adviser before acting.