Cotswold vs Stroud: buying or renting a home
A typical terraced house costs £65,000 (24%) more in Cotswold than in Stroud. Measured against local pay, buying is harder in Cotswold: it takes 8.1× median annual pay, against 7.0× in Stroud.
At a glance
| Cotswold | Stroud | |
|---|---|---|
| Buying a home | Expensive | Expensive |
| Renting a home | Expensive | Fairly affordable |
| Recorded crime | Low | Low |
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 Stroud (£38,608) is 6% lower than in Cotswold (£41,267), while a typical terraced house costs 19% less (£270,000 against £335,000). Set against local pay, Stroud is the easier of the two for a typical earner to buy in.
Buying a terraced house takes 8.1× annual pay in Cotswold and 7.0× in Stroud. Renting one takes 35% of pay in Cotswold and 32% in Stroud. Both are harder in Cotswold, and the gap is wider for buying.
Across all property types and measured against pay, Cotswold is the 42nd most expensive of 316 areas to buy in, and Stroud is the 101st most expensive of 316 areas. For renting against pay, Cotswold is the 119th most expensive of 316 areas and Stroud is around the middle of 316 areas (168th most expensive).
Someone on £40,000 in Cotswold would need about £32,000 in Stroud to be equally placed to buy a terraced house, and about £34,000 to be equally placed to rent one. Keeping the same pay after a move to Stroud 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 44.1 crimes per 1,000 residents in Cotswold and 49.3 in Stroud, so recorded crime per resident is 12% higher in Stroud. The biggest difference is in residential burglary: 6.2 per 1,000 in Cotswold against 4.0 in Stroud.
Can a typical earner buy?
| Terraced house | Cotswold | Stroud |
|---|---|---|
| Median full-time pay | £41,267 | £38,608 |
| House price ÷ pay | 8.1× | 7.0× |
| Median pay as a share of income typically needed to buy | 62% | 71% |
| Rent a year as a share of median pay | 35% | 32% |
Buying, by property type
| Type | Cotswold | Stroud | Difference |
|---|---|---|---|
| Detached | £663,750 | £500,000 | -25% in Stroud |
| Semi-detached | £400,000 | £325,000 | -19% in Stroud |
| Terraced | £335,000 | £270,000 | -19% in Stroud |
| Flat | £201,250 | £160,000 | -20% in Stroud |
Renting, by property type
| Type (average rent a month) | Cotswold | Stroud | Difference |
|---|---|---|---|
| Detached | £1,740 | £1,396 | -20% in Stroud |
| Semi-detached | £1,332 | £1,113 | -16% in Stroud |
| Terraced | £1,208 | £1,023 | -15% in Stroud |
| Flat | £969 | £835 | -14% in Stroud |
Crime
Police recorded 44.1 crimes per 1,000 residents in Cotswold and 49.3 in Stroud, so recorded crime per resident is 12% higher in Stroud.
| Police recorded crime per 1,000 residents | Cotswold | Stroud | Difference |
|---|---|---|---|
| All recorded crime (excluding fraud) | 44.1 | 49.3 | +12% in Stroud |
| Violence against the person | 16.9 | 21.3 | +26% in Stroud |
| Sexual offences | 2.4 | 2.5 | +5% in Stroud |
| Robbery | 0.3 | 0.4 | +6% in Stroud |
| Residential burglary (per 1,000 households) | 6.2 | 4.0 | -36% in Stroud |
| Vehicle offences | 2.4 | 2.5 | +3% in Stroud |
| Theft from the person | 0.1 | 0.1 | -9% in Stroud |
| Criminal damage and arson | 4.1 | 4.4 | +8% in Stroud |
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 | Cotswold | Stroud |
|---|---|---|
| 2005 | 100 | 100 |
| 2006 | 108 | 104 |
| 2007 | 114 | 114 |
| 2008 | 112 | 109 |
| 2009 | 104 | 96 |
| 2010 | 113 | 104 |
| 2011 | 111 | 103 |
| 2012 | 114 | 104 |
| 2013 | 117 | 105 |
| 2014 | 124 | 112 |
| 2015 | 130 | 119 |
| 2016 | 137 | 127 |
| 2017 | 143 | 137 |
| 2018 | 147 | 140 |
| 2019 | 153 | 142 |
| 2020 | 158 | 148 |
| 2021 | 168 | 150 |
| 2022 | 188 | 168 |
| 2023 | 195 | 171 |
| 2024 | 198 | 171 |
| 2025 | 183 | 174 |
| 12 months to July 2026 | 186 | 177 |
In 2005 the average home cost £228,276 in Cotswold and £196,733 in Stroud. Now it is £424,412 and £348,740: Cotswold is up 86% and Stroud is up 77%. Prices have risen faster in Cotswold, so the gap between the two has widened.
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 | Cotswold | Stroud |
|---|---|---|
| 2005 | 9.9 years of pay | 8.4 years of pay |
| 2010 | 11.0 years of pay | 7.9 years of pay |
| 2015 | – | 8.6 years of pay |
| 2020 | 11.2 years of pay | 9.2 years of pay |
| 2025 | 10.1 years of pay | 8.9 years of pay |
In 2005 a home cost 9.9 years of pay in Cotswold and 8.4 years in Stroud. In 2025 it was 10.1 years and 8.9 years.
How rents have changed in each area
Average monthly rent for all property types, indexed so that 2015 is 100.
Show the figures
| Year | Cotswold | Stroud |
|---|---|---|
| 2015 | 100 | 100 |
| 2016 | 104 | 103 |
| 2017 | 108 | 105 |
| 2018 | 110 | 108 |
| 2019 | 111 | 110 |
| 2020 | 113 | 111 |
| 2021 | 117 | 115 |
| 2022 | 124 | 119 |
| 2023 | 132 | 130 |
| 2024 | 140 | 139 |
| 2025 | 144 | 146 |
| August 2026 | 152 | 155 |
In 2015 the average rent was £824 a month in Cotswold and £671 in Stroud. Now it is £1,252 and £1,041: up 52% in Cotswold and up 55% in Stroud.
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 Cotswold to Stroud
| Earning in Cotswold | Equivalent to buy in Stroud | Equivalent to rent in Stroud |
|---|---|---|
| £30,000 | £24,000 | £25,500 |
| £40,000 | £32,000 | £34,000 |
| £50,000 | £40,500 | £42,500 |
| £60,000 | £48,500 | £51,000 |
Moving from Stroud to Cotswold
| Earning in Stroud | Equivalent to buy in Cotswold | Equivalent to rent in Cotswold |
|---|---|---|
| £30,000 | £37,000 | £35,500 |
| £40,000 | £49,500 | £47,000 |
| £50,000 | £62,000 | £59,000 |
| £60,000 | £74,500 | £71,000 |