Hart vs South Oxfordshire: buying or renting a home
A typical terraced house costs £15,000 (4%) more in Hart than in South Oxfordshire. Measured against local pay, buying is harder in Hart: it takes 8.2× median annual pay, against 7.5× in South Oxfordshire.
At a glance
| Hart | South Oxfordshire | |
|---|---|---|
| Buying a home | Expensive | Expensive |
| Renting a home | Expensive | Expensive |
| 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 South Oxfordshire (£48,525) is 4% higher than in Hart (£46,502), while a typical terraced house costs 4% less (£365,000 against £380,000). Set against local pay, South Oxfordshire is the easier of the two for a typical earner to buy in.
Buying a terraced house takes 8.2× annual pay in Hart and 7.5× in South Oxfordshire. Renting one takes 36% of pay in Hart and 33% in South Oxfordshire. Both are harder in Hart, and the gap is wider for renting.
Across all property types and measured against pay, Hart is the 63rd most expensive of 316 areas to buy in, and South Oxfordshire is the 77th most expensive of 316 areas. For renting against pay, Hart is the 118th most expensive of 316 areas and South Oxfordshire is around the middle of 316 areas (135th most expensive).
Someone on £40,000 in Hart would need about £38,500 in South Oxfordshire to be equally placed to buy a terraced house, and about £38,000 to be equally placed to rent one. Keeping the same pay after a move to South Oxfordshire 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 58.2 crimes per 1,000 residents in Hart and 40.6 in South Oxfordshire, so recorded crime per resident is 30% lower in South Oxfordshire. The biggest difference is in residential burglary: 4.4 per 1,000 in Hart against 2.6 in South Oxfordshire.
Can a typical earner buy?
| Terraced house | Hart | South Oxfordshire |
|---|---|---|
| Median full-time pay | £46,502 | £48,525 |
| House price ÷ pay | 8.2× | 7.5× |
| Median pay as a share of income typically needed to buy | 61% | 66% |
| Rent a year as a share of median pay | 36% | 33% |
Buying, by property type
| Type | Hart | South Oxfordshire | Difference |
|---|---|---|---|
| Detached | £675,000 | £685,000 | +1% in South Oxfordshire |
| Semi-detached | £456,500 | £420,250 | -8% in South Oxfordshire |
| Terraced | £380,000 | £365,000 | -4% in South Oxfordshire |
| Flat | £230,000 | £255,000 | +11% in South Oxfordshire |
Renting, by property type
| Type (average rent a month) | Hart | South Oxfordshire | Difference |
|---|---|---|---|
| Detached | £2,106 | £2,026 | -4% in South Oxfordshire |
| Semi-detached | £1,494 | £1,553 | +4% in South Oxfordshire |
| Terraced | £1,391 | £1,330 | -4% in South Oxfordshire |
| Flat | £1,159 | £1,171 | +1% in South Oxfordshire |
Crime
Police recorded 58.2 crimes per 1,000 residents in Hart and 40.6 in South Oxfordshire, so recorded crime per resident is 30% lower in South Oxfordshire.
| Police recorded crime per 1,000 residents | Hart | South Oxfordshire | Difference |
|---|---|---|---|
| All recorded crime (excluding fraud) | 58.2 | 40.6 | -30% in South Oxfordshire |
| Violence against the person | 24.4 | 16.4 | -33% in South Oxfordshire |
| Sexual offences | 2.6 | 1.9 | -26% in South Oxfordshire |
| Robbery | 0.6 | 0.3 | -45% in South Oxfordshire |
| Residential burglary (per 1,000 households) | 4.4 | 2.6 | -41% in South Oxfordshire |
| Vehicle offences | 3.0 | 2.1 | -27% in South Oxfordshire |
| Theft from the person | 0.3 | 0.2 | -38% in South Oxfordshire |
| Criminal damage and arson | 5.2 | 3.9 | -25% in South Oxfordshire |
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 | Hart | South Oxfordshire |
|---|---|---|
| 2005 | 100 | 100 |
| 2006 | 105 | 107 |
| 2007 | 115 | 120 |
| 2008 | 113 | 116 |
| 2009 | 102 | 107 |
| 2010 | 114 | 119 |
| 2011 | 114 | 119 |
| 2012 | 118 | 121 |
| 2013 | 124 | 127 |
| 2014 | 135 | 135 |
| 2015 | 147 | 147 |
| 2016 | 160 | 158 |
| 2017 | 164 | 164 |
| 2018 | 164 | 165 |
| 2019 | 164 | 166 |
| 2020 | 166 | 174 |
| 2021 | 174 | 182 |
| 2022 | 188 | 195 |
| 2023 | 191 | 195 |
| 2024 | 189 | 193 |
| 2025 | 194 | 197 |
| 12 months to July 2026 | 197 | 199 |
In 2005 the average home cost £242,722 in Hart and £235,703 in South Oxfordshire. Now it is £479,162 and £470,058: Hart is up 97% and South Oxfordshire is up 99%.
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 | Hart | South Oxfordshire |
|---|---|---|
| 2005 | 7.6 years of pay | 8.4 years of pay |
| 2010 | 7.7 years of pay | 8.9 years of pay |
| 2015 | 9.8 years of pay | 10.9 years of pay |
| 2020 | 9.8 years of pay | 10.6 years of pay |
| 2025 | 10.1 years of pay | 9.6 years of pay |
In 2005 a home cost 7.6 years of pay in Hart and 8.4 years in South Oxfordshire. In 2025 it was 10.1 years and 9.6 years.
Affordability has worsened more in Hart 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 | Hart | South Oxfordshire |
|---|---|---|
| 2015 | 100 | 100 |
| 2016 | 103 | 105 |
| 2017 | 106 | 110 |
| 2018 | 107 | 110 |
| 2019 | 107 | 109 |
| 2020 | 108 | 113 |
| 2021 | 109 | 114 |
| 2022 | 112 | 119 |
| 2023 | 118 | 123 |
| 2024 | 130 | 133 |
| 2025 | 137 | 141 |
| August 2026 | 142 | 145 |
In 2015 the average rent was £996 a month in Hart and £967 in South Oxfordshire. Now it is £1,414 and £1,402: up 42% in Hart and up 45% in South Oxfordshire.
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 Hart to South Oxfordshire
| Earning in Hart | Equivalent to buy in South Oxfordshire | Equivalent to rent in South Oxfordshire |
|---|---|---|
| £30,000 | £29,000 | £28,500 |
| £40,000 | £38,500 | £38,000 |
| £50,000 | £48,000 | £48,000 |
| £60,000 | £57,500 | £57,500 |
Moving from South Oxfordshire to Hart
| Earning in South Oxfordshire | Equivalent to buy in Hart | Equivalent to rent in Hart |
|---|---|---|
| £30,000 | £31,000 | £31,500 |
| £40,000 | £41,500 | £42,000 |
| £50,000 | £52,000 | £52,500 |
| £60,000 | £62,500 | £63,000 |