Moray: the market in figures
Our figure for Moray is £203,371, and it ranks 105th out of 135 areas, 5th out of 15 in Scotland. It lies 2.5% above Scotland (£198,397) and 25.5% below the UK average (£273,037). Twelve months on, the price shows an uptick of 3.6%, while Scotland shows a gain of 2.9%. For scale, Kensington and Chelsea heads the covered areas and City of Aberdeen closes them, so 105th place for Moray falls between the two, with £273,037 as the UK reference.
Over the decade the price travelled £59,670 upward, from £143,701 to £203,371, which is 41.5%. Most of it came in 2022 (13.3%) and 2021 (10.9%). 2019 was the soft spot, with a slide of 1.9%. The run ends on its own peak. Looking at 2019 (£146,855) and 2023 (£193,699) gives a feel for the middle of the run.
Look at the types and a detached home (£315,635) costs £205,701 more than a flat (£109,934), a difference of 187.1%. Terraced homes average £158,832 and semi-detached £199,910. In the first-time buyer segment the average falls to £169,409, 16.7% beneath what buyers overall pay.
Scotland's land tax is Land and Buildings Transaction Tax, and at the average price a home mover owes £1,167, or 0.6% of the price; for a first-time buyer it is £567, and an additional property carries £17,437. Sales numbered 1,719 between June 2025 and May 2026, the count on which every figure on this page rests. Land and Buildings Transaction Tax replaces Stamp Duty Land Tax across Scotland, and the HM Land Registry fee does not apply.
Price gaps to neighbouring areas reach both ends. Highland, £224,574, is 10.4% over Moray; City of Aberdeen, £133,782, is 34.2% under Moray. In between Aberdeenshire costs £200,965, 1.2% under Moray. For movement, Highland leads with a rise of 7.4% and City of Aberdeen trails with a fall of 5.2%. Distance order is Aberdeenshire (36 km), City of Aberdeen (69 km), Highland (88 km), Fife (139 km) and Clackmannanshire (152 km).
Payotte, from the UK HPI and the calculator.
Property professionals in Moray
One firm per trade, selected by Payotte on public data (3 of 5 trades filled in Moray). 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 | Vacant | — | — | — | — | — |
| Mortgage adviser | Moneywise Mortgages Ltd | 5 | 19 | 64 | Partial | View |
| Conveyancer | Grigor & Young | 4.6 | 23 | 59 | Partial | View |
| Surveyor | Shepherd Chartered Surveyors | 4.8 | 12 | 68 | Partial | View |
| 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 Moray
Frequently asked questions
What is the average house price in Moray?
The average price of a home in Moray was £203,371 in August 2026, +3.6% over twelve months (UK House Price Index).
Have house prices gone up in Moray?
The average price in Moray went from £143,701 in August 2016 to £203,371 in August 2026, a change of +41.5%; +3.6% over the last twelve months (UK House Price Index).
How much Land and Buildings Transaction Tax on an average-priced home in Moray?
On £203,371, Land and Buildings Transaction Tax (LBTT) comes to £1,167 for a home mover, £567 for a first-time buyer and £17,437 for an additional property, at the rates in force in Scotland.
How much tax when you sell a home in Moray?
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 above the £3,000 allowance (2026 to 2027; rates in the calculator above). Bought at the average price in Moray in August 2016 (£143,701) and sold at the August 2026 average (£203,371), the gain of £59,670 costs a higher rate taxpayer £13,601, before deducting the costs of buying, selling and improving. The tax is reported and paid within 60 days of completion (HMRC).
Is Moray expensive?
Moray ranks 105th of the 135 areas Payotte covers for the average price in August 2026, from £1,204,072 in Kensington and Chelsea to £133,782 in City of Aberdeen.
Prices by property type, August 2026
| Type | Average price | Scotland |
|---|---|---|
| Detached | £315,635 | £365,984 |
| Semi-detached | £199,910 | £226,592 |
| Terraced | £158,832 | £184,396 |
| Flat or maisonette | £109,934 | £138,886 |
| All types | £203,371 | £198,397 |
| First-time buyers | £169,409 | £162,166 |
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, August of each year
| Year | Average price | Change on the year before |
|---|---|---|
| 2016 | £143,701 | — |
| 2017 | £146,340 | +1.8% |
| 2018 | £149,629 | +2.2% |
| 2019 | £146,855 | -1.9% |
| 2020 | £151,674 | +3.3% |
| 2021 | £168,248 | +10.9% |
| 2022 | £190,603 | +13.3% |
| 2023 | £193,699 | +1.6% |
| 2024 | £192,956 | -0.4% |
| 2025 | £196,240 | +1.7% |
| 2026 | £203,371 | +3.6% |
Sources
- Prices and sales: UK House Price Index, file UK-HPI-full-file-2026-08.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 (Revenue Scotland).
- 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).