Bristol vs Chelmsford: buying or renting a home
A typical terraced house costs £20,000 (6%) more in Bristol than in Chelmsford. Measured against local pay, buying is harder in Bristol: it takes 9.6× median annual pay, against 7.8× in Chelmsford.
At a glance
| Bristol | Chelmsford | |
|---|---|---|
| Buying a home | Expensive | Expensive |
| Renting a home | Very expensive | Expensive |
| Recorded crime | High | About average |
Buying rates the typical price of all homes against median pay; renting rates a year of average rent against median pay; crime rates recorded crime per resident against the England and Wales average.
What the numbers say
Median full-time pay in Chelmsford (£46,179) is 17% higher than in Bristol (£39,509), while a typical terraced house costs 5% less (£360,000 against £380,000). Set against local pay, Chelmsford is the easier of the two for a typical earner to buy in.
Buying a terraced house takes 9.6× annual pay in Bristol and 7.8× in Chelmsford. Renting one takes 61% of pay in Bristol and 36% in Chelmsford. Both are harder in Bristol, and the gap is wider for renting.
Across all property types and measured against pay, Bristol is the 99th most expensive of 316 areas to buy in, and Chelmsford is the 103rd most expensive of 316 areas. For renting against pay, Bristol is the 14th most expensive of 316 areas and Chelmsford is the 107th most expensive of 316 areas.
Someone on £40,000 in Bristol would need about £38,000 in Chelmsford to be equally placed to buy a terraced house, and about £27,500 to be equally placed to rent one. Keeping the same pay after a move to Chelmsford would leave you better placed to buy. These figures compare housing costs only; they ignore other living costs and the pay you could earn in a new job.
Police recorded 131.0 crimes per 1,000 residents in Bristol and 70.4 in Chelmsford, so recorded crime per resident is 46% lower in Chelmsford. The biggest difference is in vehicle offences: 9.8 per 1,000 in Bristol against 3.2 in Chelmsford.
Can a typical earner buy?
| Terraced house | Bristol | Chelmsford |
|---|---|---|
| Median full-time pay | £39,509 | £46,179 |
| House price ÷ pay | 9.6× | 7.8× |
| Median pay as a share of income typically needed to buy | 52% | 64% |
| Rent a year as a share of median pay | 61% | 36% |
Buying, by property type
| Type | Bristol | Chelmsford | Difference |
|---|---|---|---|
| Detached | £536,500 | £590,000 | +10% in Chelmsford |
| Semi-detached | £370,000 | £430,000 | +16% in Chelmsford |
| Terraced | £380,000 | £360,000 | -5% in Chelmsford |
| Flat | £265,000 | £216,000 | -18% in Chelmsford |
Renting, by property type
| Type (average rent a month) | Bristol | Chelmsford | Difference |
|---|---|---|---|
| Detached | £2,106 | £1,993 | -5% in Chelmsford |
| Semi-detached | £2,091 | £1,521 | -27% in Chelmsford |
| Terraced | £2,008 | £1,370 | -32% in Chelmsford |
| Flat | £1,508 | £1,210 | -20% in Chelmsford |
Crime
Police recorded 131.0 crimes per 1,000 residents in Bristol and 70.4 in Chelmsford, so recorded crime per resident is 46% lower in Chelmsford.
| Police recorded crime per 1,000 residents | Bristol | Chelmsford | Difference |
|---|---|---|---|
| All recorded crime (excluding fraud) | 131.0 | 70.4 | -46% in Chelmsford |
| Violence against the person | 47.4 | 29.3 | -38% in Chelmsford |
| Sexual offences | 5.2 | 3.2 | -39% in Chelmsford |
| Robbery | 3.0 | 0.6 | -79% in Chelmsford |
| Residential burglary (per 1,000 households) | 9.2 | 5.3 | -42% in Chelmsford |
| Vehicle offences | 9.8 | 3.2 | -67% in Chelmsford |
| Theft from the person | 0.8 | 0.6 | -21% in Chelmsford |
| Criminal damage and arson | 10.7 | 4.9 | -54% in Chelmsford |
Rates use resident population, so city centres and student areas show higher crime per resident than residents experience. Recorded crime also depends on reporting and police recording practice.
How prices have changed in each area
Average house price for all property types, indexed so that 2005 is 100. A line at 200 means prices have doubled.
Show the figures
| Year | Bristol | Chelmsford |
|---|---|---|
| 2005 | 100 | 100 |
| 2006 | 108 | 104 |
| 2007 | 121 | 115 |
| 2008 | 116 | 112 |
| 2009 | 103 | 101 |
| 2010 | 112 | 110 |
| 2011 | 112 | 110 |
| 2012 | 114 | 112 |
| 2013 | 118 | 115 |
| 2014 | 131 | 127 |
| 2015 | 144 | 139 |
| 2016 | 164 | 155 |
| 2017 | 173 | 165 |
| 2018 | 180 | 168 |
| 2019 | 182 | 171 |
| 2020 | 189 | 170 |
| 2021 | 201 | 179 |
| 2022 | 222 | 197 |
| 2023 | 225 | 195 |
| 2024 | 224 | 192 |
| 2025 | 227 | 198 |
| 12 months to July 2026 | 227 | 198 |
In 2005 the average home cost £154,224 in Bristol and £191,903 in Chelmsford. Now it is £350,147 and £380,645: Bristol is up 127% and Chelmsford is up 98%. Prices have risen faster in Bristol, so the gap between the two has narrowed.
Buying a home against local pay, over time
Average house price divided by median full-time pay. Higher means harder to afford.
Show the figures
| Year | Bristol | Chelmsford |
|---|---|---|
| 2005 | 7.0 years of pay | 7.0 years of pay |
| 2010 | 6.8 years of pay | 7.0 years of pay |
| 2015 | 8.1 years of pay | 8.4 years of pay |
| 2020 | 9.0 years of pay | 9.3 years of pay |
| 2025 | 8.9 years of pay | 8.2 years of pay |
In 2005 a home cost 7.0 years of pay in Bristol and 7.0 years in Chelmsford. In 2025 it was 8.9 years and 8.2 years.
Affordability has worsened more in Bristol over that time.
How rents have changed in each area
Average monthly rent for all property types, indexed so that 2015 is 100.
Show the figures
| Year | Bristol | Chelmsford |
|---|---|---|
| 2015 | 100 | 100 |
| 2016 | 108 | 105 |
| 2017 | 115 | 110 |
| 2018 | 118 | 113 |
| 2019 | 120 | 115 |
| 2020 | 125 | 116 |
| 2021 | 131 | 121 |
| 2022 | 143 | 126 |
| 2023 | 155 | 133 |
| 2024 | 165 | 142 |
| 2025 | 168 | 155 |
| August 2026 | 177 | 162 |
In 2015 the average rent was £1,064 a month in Bristol and £891 in Chelmsford. Now it is £1,883 and £1,439: up 77% in Bristol and up 62% in Chelmsford. Rents have risen faster in Bristol.
What your salary is worth in each area
Salary needed to afford the same kind of home (terraced), going by median prices and average rents.
Moving from Bristol to Chelmsford
| Earning in Bristol | Equivalent to buy in Chelmsford | Equivalent to rent in Chelmsford |
|---|---|---|
| £30,000 | £28,500 | £20,500 |
| £40,000 | £38,000 | £27,500 |
| £50,000 | £47,500 | £34,000 |
| £60,000 | £57,000 | £41,000 |
Moving from Chelmsford to Bristol
| Earning in Chelmsford | Equivalent to buy in Bristol | Equivalent to rent in Bristol |
|---|---|---|
| £30,000 | £31,500 | £44,000 |
| £40,000 | £42,000 | £58,500 |
| £50,000 | £53,000 | £73,500 |
| £60,000 | £63,500 | £88,000 |