Newcastle upon Tyne vs Swale: buying or renting a home
A typical terraced house costs £80,000 (43%) more in Swale than in Newcastle upon Tyne. Measured against local pay, buying is harder in Swale: it takes 6.9× median annual pay, against 5.2× in Newcastle upon Tyne.
At a glance
| Newcastle upon Tyne | Swale | |
|---|---|---|
| Buying a home | Fairly affordable | Fairly affordable |
| Renting a home | Very expensive | Expensive |
| Recorded crime | Above average | 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 Swale (£38,432) is 8% higher than in Newcastle upon Tyne (£35,446), while a typical terraced house costs 43% more (£265,000 against £185,000). Set against local pay, Newcastle upon Tyne is the easier of the two for a typical earner to buy in.
Buying a terraced house takes 5.2× annual pay in Newcastle upon Tyne and 6.9× in Swale. Renting one takes 44% of pay in Newcastle upon Tyne and 36% in Swale. The two measures point different ways: buying is harder in Swale, but renting takes a bigger share of pay in Newcastle upon Tyne.
Across all property types and measured against pay, Newcastle upon Tyne is the 53rd least expensive of 316 areas to buy in, and Swale is around the middle of 316 areas (145th most expensive). For renting against pay, Newcastle upon Tyne is the 70th most expensive of 316 areas and Swale is around the middle of 316 areas (133rd most expensive).
Someone on £40,000 in Newcastle upon Tyne would need about £57,500 in Swale to be equally placed to buy a terraced house, and about £35,500 to be equally placed to rent one. Keeping the same pay after a move to Swale would leave you worse 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 107.4 crimes per 1,000 residents in Newcastle upon Tyne and 85.5 in Swale, so recorded crime per resident is 20% lower in Swale. The biggest difference is in residential burglary: 9.0 per 1,000 in Newcastle upon Tyne against 5.0 in Swale.
Can a typical earner buy?
| Terraced house | Newcastle upon Tyne | Swale |
|---|---|---|
| Median full-time pay | £35,446 | £38,432 |
| House price ÷ pay | 5.2× | 6.9× |
| Median pay as a share of income typically needed to buy | 96% | 73% |
| Rent a year as a share of median pay | 44% | 36% |
Buying, by property type
| Type | Newcastle upon Tyne | Swale | Difference |
|---|---|---|---|
| Detached | £357,000 | £445,000 | +25% in Swale |
| Semi-detached | £215,000 | £325,000 | +51% in Swale |
| Terraced | £185,000 | £265,000 | +43% in Swale |
| Flat | £155,000 | £170,000 | +10% in Swale |
Renting, by property type
| Type (average rent a month) | Newcastle upon Tyne | Swale | Difference |
|---|---|---|---|
| Detached | £1,697 | £1,578 | -7% in Swale |
| Semi-detached | £1,263 | £1,243 | -2% in Swale |
| Terraced | £1,293 | £1,151 | -11% in Swale |
| Flat | £993 | £869 | -12% in Swale |
Crime
Police recorded 107.4 crimes per 1,000 residents in Newcastle upon Tyne and 85.5 in Swale, so recorded crime per resident is 20% lower in Swale.
| Police recorded crime per 1,000 residents | Newcastle upon Tyne | Swale | Difference |
|---|---|---|---|
| All recorded crime (excluding fraud) | 107.4 | 85.5 | -20% in Swale |
| Violence against the person | 36.6 | 37.4 | +2% in Swale |
| Sexual offences | 4.5 | 3.7 | -18% in Swale |
| Robbery | 2.3 | 0.7 | -68% in Swale |
| Residential burglary (per 1,000 households) | 9.0 | 5.0 | -45% in Swale |
| Vehicle offences | 5.9 | 3.8 | -36% in Swale |
| Theft from the person | 1.4 | 0.2 | -85% in Swale |
| Criminal damage and arson | 10.3 | 10.9 | +5% in Swale |
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 | Newcastle upon Tyne | Swale |
|---|---|---|
| 2005 | 100 | 100 |
| 2006 | 108 | 105 |
| 2007 | 115 | 112 |
| 2008 | 110 | 110 |
| 2009 | 99 | 97 |
| 2010 | 103 | 102 |
| 2011 | 98 | 101 |
| 2012 | 98 | 102 |
| 2013 | 98 | 105 |
| 2014 | 101 | 115 |
| 2015 | 108 | 124 |
| 2016 | 111 | 139 |
| 2017 | 112 | 151 |
| 2018 | 114 | 159 |
| 2019 | 114 | 159 |
| 2020 | 115 | 160 |
| 2021 | 123 | 169 |
| 2022 | 132 | 187 |
| 2023 | 134 | 187 |
| 2024 | 137 | 183 |
| 2025 | 145 | 184 |
| 12 months to July 2026 | 148 | 187 |
In 2005 the average home cost £138,227 in Newcastle upon Tyne and £157,284 in Swale. Now it is £204,282 and £293,393: Newcastle upon Tyne is up 48% and Swale is up 87%. Prices have risen faster in Swale, 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 | Newcastle upon Tyne | Swale |
|---|---|---|
| 2005 | 6.6 years of pay | 6.6 years of pay |
| 2010 | 6.4 years of pay | 6.0 years of pay |
| 2015 | 5.6 years of pay | 6.6 years of pay |
| 2020 | 5.5 years of pay | 7.9 years of pay |
| 2025 | 5.6 years of pay | 7.5 years of pay |
In 2005 a home cost 6.6 years of pay in Newcastle upon Tyne and 6.6 years in Swale. In 2025 it was 5.6 years and 7.5 years.
Affordability has worsened more in Swale 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 | Newcastle upon Tyne | Swale |
|---|---|---|
| 2015 | 100 | 100 |
| 2016 | 106 | 106 |
| 2017 | 113 | 112 |
| 2018 | 112 | 116 |
| 2019 | 113 | 119 |
| 2020 | 117 | 123 |
| 2021 | 123 | 128 |
| 2022 | 127 | 133 |
| 2023 | 137 | 141 |
| 2024 | 143 | 151 |
| 2025 | 160 | 160 |
| August 2026 | 176 | 163 |
In 2015 the average rent was £690 a month in Newcastle upon Tyne and £683 in Swale. Now it is £1,215 and £1,114: up 76% in Newcastle upon Tyne and up 63% in Swale. Rents have risen faster in Newcastle upon Tyne.
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 Newcastle upon Tyne to Swale
| Earning in Newcastle upon Tyne | Equivalent to buy in Swale | Equivalent to rent in Swale |
|---|---|---|
| £30,000 | £43,000 | £26,500 |
| £40,000 | £57,500 | £35,500 |
| £50,000 | £71,500 | £44,500 |
| £60,000 | £86,000 | £53,500 |
Moving from Swale to Newcastle upon Tyne
| Earning in Swale | Equivalent to buy in Newcastle upon Tyne | Equivalent to rent in Newcastle upon Tyne |
|---|---|---|
| £30,000 | £21,000 | £33,500 |
| £40,000 | £28,000 | £45,000 |
| £50,000 | £35,000 | £56,000 |
| £60,000 | £42,000 | £67,500 |