In 2025 the typical home sold in Hull's HU7 postcode district changed hands for £170,000. In HU3, a couple of miles to the south-west, the typical sale was £118,500 — a £51,500 gap between two parts of the same city. It is tempting to read that as a straightforward map of dear and cheap neighbourhoods. The transaction record tells a more precise story: most of that gap is not about location at all. It is about what kind of home each postcode is built from.
The figures below come from HM Land Registry Price Paid Data for 2025 — standard "Category A" sales only — grouped by postcode district across the Hull City Council area (local-authority code E06000010) and retrieved on 21 August 2026. For the citywide context, see the average house price in Hull guide.
The postcode ladder
Ranked by 2025 median sale price, Hull's residential postcode districts spread as follows. The last four columns show what share of each district's sales were detached houses, semi-detached houses, terraces and flats.
| Postcode | Median sale (2025) | Sales | Detached | Semi | Terrace | Flat |
|---|---|---|---|---|---|---|
| HU7 (northern estates) | £170,000 | 595 | 20.0% | 36.5% | 39.8% | 3.7% |
| HU4 (west) | £160,000 | 276 | 15.2% | 37.7% | 43.5% | 3.6% |
| HU8 (east) | £147,000 | 385 | 10.9% | 41.0% | 46.8% | 1.3% |
| HU6 (north, university belt) | £135,000 | 257 | 4.3% | 40.5% | 49.0% | 6.2% |
| HU5 (Avenues / Newland) | £134,500 | 621 | 3.9% | 18.0% | 76.2% | 1.9% |
| HU9 (east / dockside) | £123,000 | 430 | 9.1% | 33.3% | 52.3% | 5.3% |
| HU3 (Hessle Road) | £118,500 | 204 | 2.5% | 20.1% | 72.5% | 4.9% |
The city-centre district HU1 does not sit where central postcodes usually do: its 2025 median was £141,544, held down because roughly two in three of its sales were flats. HU2, on the western edge of the centre, was lower still at £90,500 for the same reason. Both are small samples and dominated by apartments rather than houses.
What you are buying, not just where
Start with the single biggest lever on price. Across Hull as a whole in 2025, a detached house had a median sale price of £246,995 — almost exactly double the £123,750 median for a terrace. Semi-detached houses sat at £170,000 and flats at £89,950. Property type, in other words, moves the number more than any postcode does.
That matters because Hull's postcode districts are not built from the same mix. HU7's sales were 57% semis and detached houses; HU3's were 73% terraces. So comparing HU7's median with HU3's is partly comparing a semi with a terrace.
The cleaner test is to hold the type constant and compare like with like. Here are the median terrace and semi prices in the busiest districts:
| Postcode | Terrace median | Semi median |
|---|---|---|
| HU7 | £138,000 | £180,000 |
| HU8 | £122,250 | £169,073 |
| HU5 | £128,000 | £167,750 |
| HU3 | £110,000 | £170,000 |
| HU9 | £107,000 | £157,000 |
The £51,500 headline gap between HU7 and HU3 shrinks to £28,000 for a like-for-like terrace (£138,000 against £110,000) and to just £10,000 for a semi (£180,000 against £170,000). A location premium exists — the same terrace really is dearer in the north — but it is a fraction of the headline figure. The rest of the gap is composition. Portsmouth shows the same pattern across water rather than postcode, in the island-versus-mainland price premium breakdown.
The detached belt
The clearest illustration is the detached market. Of the 287 detached houses sold across the whole of Hull in 2025, 119 — about 42% — sat in HU7 alone, the northern edge around the Kingswood and Bransholme estates. No other district came close. When almost half a city's detached stock trades in one postcode, that district's average is pulled upward by the type of home available there, not by a street-by-street premium on identical houses.
This is why an area-level average can mislead. It answers "what did homes here sell for", which blends price and product together; it does not answer "what would the same home cost here versus there". For that, the type-by-type figures above are the honest comparison. For more on how citywide averages can hide the spread beneath them, see how median and mean house prices diverge.
The same divide shows up in energy
Property type tracks build era, and build era tracks energy efficiency — so the north-versus-core split repeats in the EPC data. Taking the most recent Energy Performance Certificate for each address, the share rated C or above runs like this:
| Postcode | Share rated EPC C or above |
|---|---|
| HU7 (newer estates) | 70.2% |
| HU9 | 39.9% |
| HU3 | 39.4% |
| HU4 | 38.2% |
| HU8 | 36.8% |
| HU6 | 29.4% |
| HU5 (older terraces) | 23.7% |
Across the whole city about 40% of homes rate C or above — close to the England and Wales average. But the range within Hull is wide: HU7's post-war and modern estates sit near 70%, while the older terraced streets of HU5 are under a quarter. Newer homes were built to progressively tighter insulation and glazing standards, which is why an area's typical certificate tends to follow its typical age of housing. A lower band is, broadly, a home that is more expensive to heat — though the EPC band is a rating, not a measured bill, and modelled running costs on certificates are not a reliable guide to what a household actually pays. The EPC rating explainer sets out what each band means, and nearby Bradford's housing profile shows a similar older-terrace pattern.
What it costs each month
Because Hull is a single billing authority, council tax does not vary across its postcodes: the 2026-27 Band D charge is £2,295.04 everywhere in the city (gov.uk / Hull City Council), or about £191 a month. That means the monthly difference between districts is almost entirely mortgage.
The table below illustrates a repayment mortgage at the Bank of England's most recent quoted 75%-loan-to-value five-year fixed rate of 4.32% (April 2026), assuming a 25% deposit and a 25-year term, plus the flat Band D charge. These are illustrations at one rate on one set of assumptions, not quotes — an individual rate depends on the lender, deposit and credit profile.
| Postcode | Median | Illustrative mortgage + council tax / month |
|---|---|---|
| HU3 | £118,500 | £676 |
| HU9 | £123,000 | £695 |
| HU5 | £134,500 | £742 |
| HU8 | £147,000 | £793 |
| HU4 | £160,000 | £846 |
| HU7 | £170,000 | £887 |
One threshold is worth noting for movers. A terrace at HU3's £110,000 median, or HU9's £107,000, sits below the £125,000 point at which standard stamp duty starts for home movers (HMRC, 2026); the same terrace type in HU7, at a £138,000 median, sits just above it. This is general information, not advice — a conveyancer confirms the duty on any given purchase, and you should speak to a qualified adviser before acting.
The wider picture
Hull remains England's most affordable major city: its 2025 median across houses and flats was £142,000 across 2,890 sales, a fraction of the England median of £295,000. On the UK House Price Index, the city's three-month-average value to April 2026 was up about 3.6% on the same period a year earlier, broadly in line with Yorkshire and the Humber (+3.6%) and ahead of England as a whole (+1.6%). That is a backward-looking measure of what has already happened, not a prediction of what comes next.
The takeaway for anyone comparing Hull postcodes is simple: read the type mix before the average. The north looks dearer because it holds the houses; the terraced core looks cheaper because it holds the terraces. Match the property type first, and the map flattens out considerably.
See the numbers for a postcode
Homecost calculates the full cost of every property on a street — mortgage at today's quoted rate, council tax, energy from EPC data and stamp duty for your situation. Compare the northern estates at HU7 4AA with the inner terraces at HU3 1AA, or browse more regional price guides.