North Hertfordshire vs South Cambridgeshire: buying or renting a home
A typical terraced house costs £45,000 (14%) more in North Hertfordshire than in South Cambridgeshire. Measured against local pay, buying is harder in North Hertfordshire: it takes 7.5× median annual pay, against 6.6× in South Cambridgeshire.
At a glance
| North Hertfordshire | South Cambridgeshire | |
|---|---|---|
| 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 Cambridgeshire (£48,916) is 1% lower than in North Hertfordshire (£49,224), while a typical terraced house costs 12% less (£325,000 against £370,000). Set against local pay, South Cambridgeshire is the easier of the two for a typical earner to buy in.
Buying a terraced house takes 7.5× annual pay in North Hertfordshire and 6.6× in South Cambridgeshire. Renting one takes 34% of pay in North Hertfordshire and 34% in South Cambridgeshire. Buying is harder in North Hertfordshire; renting is about the same.
Across all property types and measured against pay, North Hertfordshire is the 116th most expensive of 316 areas to buy in, and South Cambridgeshire is the 108th most expensive of 316 areas. For renting against pay, North Hertfordshire is around the middle of 316 areas (130th most expensive) and South Cambridgeshire is around the middle of 316 areas (137th most expensive).
Someone on £40,000 in North Hertfordshire would need about £35,000 in South Cambridgeshire to be equally placed to buy a terraced house, and about £40,500 to be equally placed to rent one. Keeping the same pay after a move to South Cambridgeshire 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 49.5 crimes per 1,000 residents in North Hertfordshire and 46.9 in South Cambridgeshire, so recorded crime per resident is 5% lower in South Cambridgeshire. The biggest difference is in residential burglary: 4.3 per 1,000 in North Hertfordshire against 6.0 in South Cambridgeshire.
Can a typical earner buy?
| Terraced house | North Hertfordshire | South Cambridgeshire |
|---|---|---|
| Median full-time pay | £49,224 | £48,916 |
| House price ÷ pay | 7.5× | 6.6× |
| Median pay as a share of income typically needed to buy | 67% | 75% |
| Rent a year as a share of median pay | 34% | 34% |
Buying, by property type
| Type | North Hertfordshire | South Cambridgeshire | Difference |
|---|---|---|---|
| Detached | £694,000 | £597,500 | -14% in South Cambridgeshire |
| Semi-detached | £499,975 | £396,250 | -21% in South Cambridgeshire |
| Terraced | £370,000 | £325,000 | -12% in South Cambridgeshire |
| Flat | £222,750 | £216,500 | -3% in South Cambridgeshire |
Renting, by property type
| Type (average rent a month) | North Hertfordshire | South Cambridgeshire | Difference |
|---|---|---|---|
| Detached | £1,939 | £1,928 | -1% in South Cambridgeshire |
| Semi-detached | £1,550 | £1,469 | -5% in South Cambridgeshire |
| Terraced | £1,379 | £1,400 | +2% in South Cambridgeshire |
| Flat | £1,158 | £1,171 | +1% in South Cambridgeshire |
Crime
Police recorded 49.5 crimes per 1,000 residents in North Hertfordshire and 46.9 in South Cambridgeshire, so recorded crime per resident is 5% lower in South Cambridgeshire.
| Police recorded crime per 1,000 residents | North Hertfordshire | South Cambridgeshire | Difference |
|---|---|---|---|
| All recorded crime (excluding fraud) | 49.5 | 46.9 | -5% in South Cambridgeshire |
| Violence against the person | 20.7 | 16.9 | -18% in South Cambridgeshire |
| Sexual offences | 2.4 | 1.8 | -22% in South Cambridgeshire |
| Robbery | 0.4 | 0.3 | -13% in South Cambridgeshire |
| Residential burglary (per 1,000 households) | 4.3 | 6.0 | +40% in South Cambridgeshire |
| Vehicle offences | 2.9 | 3.6 | +26% in South Cambridgeshire |
| Theft from the person | 0.3 | 0.1 | -56% in South Cambridgeshire |
| Criminal damage and arson | 4.9 | 5.0 | +3% in South Cambridgeshire |
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 | North Hertfordshire | South Cambridgeshire |
|---|---|---|
| 2005 | 100 | 100 |
| 2006 | 107 | 110 |
| 2007 | 114 | 119 |
| 2008 | 112 | 117 |
| 2009 | 103 | 105 |
| 2010 | 112 | 116 |
| 2011 | 112 | 117 |
| 2012 | 115 | 121 |
| 2013 | 116 | 125 |
| 2014 | 130 | 135 |
| 2015 | 145 | 152 |
| 2016 | 164 | 165 |
| 2017 | 171 | 174 |
| 2018 | 178 | 177 |
| 2019 | 171 | 174 |
| 2020 | 175 | 176 |
| 2021 | 182 | 181 |
| 2022 | 193 | 194 |
| 2023 | 196 | 198 |
| 2024 | 194 | 197 |
| 2025 | 201 | 200 |
| 12 months to July 2026 | 203 | 202 |
In 2005 the average home cost £204,727 in North Hertfordshire and £215,853 in South Cambridgeshire. Now it is £416,551 and £435,383: North Hertfordshire is up 103% and South Cambridgeshire is up 102%.
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 | North Hertfordshire | South Cambridgeshire |
|---|---|---|
| 2005 | 7.8 years of pay | 8.1 years of pay |
| 2010 | 7.4 years of pay | 7.7 years of pay |
| 2015 | 8.6 years of pay | 10.4 years of pay |
| 2020 | 9.0 years of pay | 9.8 years of pay |
| 2025 | 8.4 years of pay | 8.8 years of pay |
In 2005 a home cost 7.8 years of pay in North Hertfordshire and 8.1 years in South Cambridgeshire. In 2025 it was 8.4 years and 8.8 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 | North Hertfordshire | South Cambridgeshire |
|---|---|---|
| 2015 | 100 | 100 |
| 2016 | 106 | 103 |
| 2017 | 115 | 110 |
| 2018 | 117 | 113 |
| 2019 | 118 | 115 |
| 2020 | 118 | 116 |
| 2021 | 122 | 121 |
| 2022 | 132 | 128 |
| 2023 | 139 | 137 |
| 2024 | 154 | 147 |
| 2025 | 162 | 156 |
| August 2026 | 171 | 162 |
In 2015 the average rent was £838 a month in North Hertfordshire and £870 in South Cambridgeshire. Now it is £1,434 and £1,408: up 71% in North Hertfordshire and up 62% in South Cambridgeshire. Rents have risen faster in North Hertfordshire.
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 North Hertfordshire to South Cambridgeshire
| Earning in North Hertfordshire | Equivalent to buy in South Cambridgeshire | Equivalent to rent in South Cambridgeshire |
|---|---|---|
| £30,000 | £26,500 | £30,500 |
| £40,000 | £35,000 | £40,500 |
| £50,000 | £44,000 | £51,000 |
| £60,000 | £52,500 | £61,000 |
Moving from South Cambridgeshire to North Hertfordshire
| Earning in South Cambridgeshire | Equivalent to buy in North Hertfordshire | Equivalent to rent in North Hertfordshire |
|---|---|---|
| £30,000 | £34,000 | £29,500 |
| £40,000 | £45,500 | £39,500 |
| £50,000 | £57,000 | £49,500 |
| £60,000 | £68,500 | £59,000 |
All North Hertfordshire figures · All South Cambridgeshire figures