In short
In July 2026, the average price of a home in Bedford was £333,824, +3.9% over twelve months (1% below the East of England average). At that price, a home mover pays £6,691 in Stamp Duty Land Tax, plus £150 of HM Land Registry fee.
Property professionals in Bedford
One firm per trade, selected by Payotte on public data (2 of 5 trades filled in Bedford). Companies, never individuals, with a regulator or register you can check with the official body.
| Trade | Firm | Google rating | Reviews | Score /100 | Status | Listing |
|---|---|---|---|---|---|---|
| Estate agent | Waldens Estate Agents Ltd | 4.8 | 245 | 70 | Selected | View |
| Mortgage adviser | Vacant | — | — | — | — | — |
| Conveyancer | Palmers | 4.2 | 41 | 71 | Selected | View |
| Surveyor | Vacant | — | — | — | — | — |
| Valuer | Vacant | — | — | — | — | — |
One firm per trade and per area, chosen on public data and scored out of 100 points — Google reviews (35), age of the company (30), checkable regulator or register (15), local anchoring (15), bonus (5). The ranking is never paid for. No firm can buy its place or its recommendation. How Payotte ranks firms
Calculate for Bedford
The questions, answered
What is the average house price in Bedford?
The average price of a home in Bedford was £333,824 in July 2026, +3.9% over twelve months (UK House Price Index).
How much does a flat or a house cost in Bedford?
In July 2026, the average price in Bedford was £567,193 for a detached house, £351,158 for a semi-detached house, £279,834 for a terraced house, £160,624 for a flat (UK House Price Index).
What do first-time buyers pay in Bedford?
First-time buyers paid £275,319 on average in Bedford in July 2026, against £333,824 for all buyers (UK House Price Index).
Have house prices gone up in Bedford?
The average price in Bedford went from £241,126 in July 2016 to £333,824 in July 2026, a change of +38.4%; +3.9% over the last twelve months (UK House Price Index).
How much Stamp Duty Land Tax on an average-priced home in Bedford?
On £333,824, Stamp Duty Land Tax (SDLT) comes to £6,691 for a home mover, £1,691 for a first-time buyer and £23,382 for an additional property, at the rates in force in England.
How much tax when you sell a home in Bedford?
None on your main home if it was your only home, lived in for all the time you owned it, not let out and not used exclusively for business (Private Residence Relief). A second home or a buy-to-let pays Capital Gains Tax, at the same rates in all four nations: 24% for a higher or additional rate taxpayer and 18% for a basic rate taxpayer on the part of the gain within the basic Income Tax band, on the gain above the £3,000 tax-free allowance (2026 to 2027). Bought at the average price in Bedford in July 2016 (£241,126) and sold at the July 2026 average (£333,824), the gain of £92,698 costs a higher rate taxpayer £21,528, before deducting the costs of buying, selling and improving. The tax is reported and paid within 60 days of completion (HMRC).
How many homes sell in Bedford?
2,162 sales in Bedford were registered from May 2025 to April 2026, the latest twelve months with complete volumes (UK House Price Index).
Is Bedford expensive?
Bedford ranks 33rd of the 135 areas Payotte covers for the average price in July 2026, from £1,232,640 in Kensington and Chelsea to £130,689 in City of Aberdeen.
Prices by property type, July 2026
| Type | Average price | East of England |
|---|---|---|
| Detached | £567,193 | £524,064 |
| Semi-detached | £351,158 | £351,513 |
| Terraced | £279,834 | £288,951 |
| Flat or maisonette | £160,624 | £190,128 |
| All types | £333,824 | £337,518 |
| First-time buyers | £275,319 | £277,733 |
The UK HPI is a mix-adjusted average (a hedonic model), not the price of the homes sold in the month. Northern Ireland figures are quarterly.
The trend, July of each year
| Year | Average price | Change on the year before |
|---|---|---|
| 2016 | £241,126 | — |
| 2017 | £260,110 | +7.9% |
| 2018 | £270,632 | +4% |
| 2019 | £262,315 | -3.1% |
| 2020 | £259,409 | -1.1% |
| 2021 | £276,742 | +6.7% |
| 2022 | £306,184 | +10.6% |
| 2023 | £312,228 | +2% |
| 2024 | £311,579 | -0.2% |
| 2025 | £321,327 | +3.1% |
| 2026 | £333,824 | +3.9% |
Sources
- Prices and sales: UK House Price Index, file UK-HPI-full-file-2026-07.csv. Contains HM Land Registry data © Crown copyright and database right 2020. This data is licensed under the Open Government Licence v3.0.
- Purchase tax: rates and sources of the calculator (HMRC).
- Tax when you sell: Capital Gains Tax rates, Tax when you sell your home and Report and pay your Capital Gains Tax (GOV.UK, HMRC).