St Albans: what a home costs and what you need to earn
East of England. House prices are based on 1,638 sales over the last 12 months.
How we rate: buying compares the typical home price with median pay (under 5× affordable, 5 to 8× fairly affordable, 8 to 11× expensive, over 11× very expensive). Renting compares a year of average rent with median pay (under 25% affordable, 25 to 33% fairly affordable, 33 to 40% expensive, over 40% very expensive). Crime compares the rate per resident with the England and Wales average.
What the numbers say about St Albans
Across all property types, the typical home sold in St Albans over the past year cost £617,250, which is 10.8× median full-time pay. Measured against pay, St Albans is the 36th most expensive of 316 areas for buying; the typical area is 7.6×. Within the East of England it is the 5th most expensive of 45 areas.
For a terraced house at £575,000, a lender would typically look for an income of around £115,000, and the 10% deposit would be £57,500, about 12 months of median gross pay. Median full-time pay here is £57,396, 50% of the income needed, so on these assumptions even two median incomes would fall short of the test.
Renting a terraced house costs about £1,798 a month, which is 38% of median gross pay. Across all property types the average rent is £1,931 a month. Measured against pay, it is the 82nd most expensive of 316 areas for renting. Rents rose 2.9% over the latest year ONS measured, slower than the typical area (3.9%).
Median full-time pay of £57,396 is the highest of 316 areas; the typical area is £38,328. This is pay for people who live in St Albans, wherever they work. ONS rates the pay estimate for this area as less reliable than most, so treat it with caution.
Police recorded 64.2 crimes per 1,000 residents in the year, which is 21% below average for England and Wales (81.3). That makes it around the middle of 310 areas (186th highest) for recorded crime per resident. The category furthest above average is vehicle offences (28% above). The category furthest below average is sexual offences (43% below).
Buying
| Property type | Sales | Median price | Price ÷ pay | Deposit (10%) | Income typically needed |
|---|---|---|---|---|---|
| Detached | 356 | £950,000 | 16.6× | £95,000 | £190,000 |
| Semi-detached | 444 | £716,500 | 12.5× | £71,500 | £143,500 |
| Terraced | 451 | £575,000 | 10.0× | £57,500 | £115,000 |
| Flat | 387 | £320,000 | 5.6× | £32,000 | £64,000 |
Renting
| Property type | Average rent a month | Rent a year | Share of median pay |
|---|---|---|---|
| Detached | £2,667 | £32,004 | 56% |
| Semi-detached | £2,169 | £26,028 | 45% |
| Terraced | £1,798 | £21,576 | 38% |
| Flat | £1,486 | £17,832 | 31% |
How prices in St Albans have changed
Average house price for all property types, by year. The last point is the latest 12 months.
Show the figures
| Year | Average price |
|---|---|
| 1995 | £97,140 |
| 1996 | £99,590 |
| 1997 | £116,677 |
| 1998 | £133,242 |
| 1999 | £148,867 |
| 2000 | £181,568 |
| 2001 | £200,578 |
| 2002 | £233,702 |
| 2003 | £261,961 |
| 2004 | £280,099 |
| 2005 | £291,095 |
| 2006 | £311,591 |
| 2007 | £349,699 |
| 2008 | £348,496 |
| 2009 | £312,160 |
| 2010 | £355,669 |
| 2011 | £365,718 |
| 2012 | £377,818 |
| 2013 | £390,321 |
| 2014 | £434,705 |
| 2015 | £482,861 |
| 2016 | £538,226 |
| 2017 | £560,431 |
| 2018 | £557,360 |
| 2019 | £539,838 |
| 2020 | £553,141 |
| 2021 | £576,419 |
| 2022 | £617,128 |
| 2023 | £608,378 |
| 2024 | £620,959 |
| 2025 | £627,732 |
| 12 months to July 2026 | £631,404 |
The average home price in St Albans was £538,226 in 2016 and £631,404 in the 12 months to July 2026, a rise of 17% over ten years. The typical area of England and Wales saw a rise of 36%. That makes St Albans the 39th slowest-rising of 316 areas for ten-year price growth.
Going back to 2005, the average price has moved from £291,095 to £631,404, which is 2.2 times as much (the typical area: 1.8 times).
Prices fell 11% after the 2008 financial crisis, from £349,699 in 2007 to £312,160 in 2009. They did not get back to their 2007 level until 2010.
Prices are cash figures, not adjusted for inflation, and come from the HM Land Registry UK House Price Index, which uses a different method from the median prices above, so the two will not match exactly.
Buying a home against local pay, over time
Average house price divided by median full-time pay, in 2005, 2010, 2015, 2020 and 2025. A higher number means homes are harder to afford.
Show the figures
| Year | St Albans | Typical area in England and Wales |
|---|---|---|
| 2005 | 8.7 years of pay | 7.0 years of pay |
| 2010 | 9.5 years of pay | 6.5 years of pay |
| 2015 | 12.9 years of pay | 7.1 years of pay |
| 2025 | 10.9 years of pay | 7.5 years of pay |
In 2005 the average home in St Albans cost 8.7 years of median full-time pay. By 2025 it cost 10.9 years, so homes have become harder to afford relative to local pay.
Homes were hardest to afford in 2015, at 12.9 years of pay. It has eased since.
Between 2005 and 2025, median pay in St Albans rose 71% (from £33,639 to £57,396), while the average house price rose 116%.
The typical area of England and Wales needed 7.5 years of pay in 2025, so St Albans is above the typical area.
Pay is the ONS Annual Survey of Hours and Earnings, median for full-time employees living in the area, before tax, in cash terms (not adjusted for inflation). The 2025 figure is provisional. Where ONS withheld a figure because it was unreliable, or the council did not exist in its current form, that year is left out.
How rents in St Albans have changed
Average monthly rent for all property types, by year. The last point is the latest month.
Show the figures
| Year | Average rent |
|---|---|
| 2015 | £1,243 a month |
| 2016 | £1,300 a month |
| 2017 | £1,350 a month |
| 2018 | £1,369 a month |
| 2019 | £1,365 a month |
| 2020 | £1,412 a month |
| 2021 | £1,469 a month |
| 2022 | £1,542 a month |
| 2023 | £1,628 a month |
| 2024 | £1,746 a month |
| 2025 | £1,873 a month |
| August 2026 | £1,931 a month |
The average rent in St Albans was £1,243 a month in 2015 and £1,931 in August 2026, a rise of 55%. The typical area of England and Wales saw a rise of 52%. That makes St Albans around the middle of 316 areas (129th fastest-rising) for rent growth since 2015.
Over the same period the average house price rose 31%. Rents have risen faster than house prices here, by 25 percentage points.
Rent figures are from the ONS Price Index of Private Rents and are cash figures, not adjusted for inflation.
Crime
Police recorded crime in the year ending March 2026, per 1,000 residents, against the average for the areas of England and Wales covered here.
| Type of crime | Per 1,000 residents | England and Wales average | Compared with average | Change on a year earlier |
|---|---|---|---|---|
| All recorded crime (excluding fraud) | 64.2 | 81.3 | 21% below average | +3% |
| Violence against the person | 21.2 | 31.0 | 31% below average | +1% |
| Sexual offences | 1.9 | 3.4 | 43% below average | +5% |
| Robbery | 0.7 | 1.4 | 51% below average | – |
| Residential burglary (per 1,000 households) | 6.6 | 6.2 | 7% above average | +10% |
| Vehicle offences | 6.2 | 4.9 | 28% above average | +28% |
| Theft from the person | 0.7 | 1.6 | 60% below average | – |
| Criminal damage and arson | 5.7 | 7.1 | 19% below average | +7% |
Recorded crime in St Albans was 62.4 per 1,000 residents in the year ending March 2025 and 64.2 in the year ending March 2026, up 3%. Across England and Wales it was down 4%.
Changes are left blank where the rate is very low, as a few extra crimes would look like a big swing. This is one year's change only, so it can reflect one-off events or changes in how police record crime, not just a real trend. Rates per resident use ONS population estimates for each year.