In short
In July 2026, the average price of a home in Moray was £204,008, +5.6% over twelve months (4% above the Scotland average). At that price, a home mover pays £1,180 in Land and Buildings Transaction Tax.
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
The questions, answered
What is the average house price in Moray?
The average price of a home in Moray was £204,008 in July 2026, +5.6% over twelve months (UK House Price Index).
How much does a flat or a house cost in Moray?
In July 2026, the average price in Moray was £316,545 for a detached house, £200,648 for a semi-detached house, £159,169 for a terraced house, £110,429 for a flat (UK House Price Index).
What do first-time buyers pay in Moray?
First-time buyers paid £170,038 on average in Moray in July 2026, against £204,008 for all buyers (UK House Price Index).
Have house prices gone up in Moray?
The average price in Moray went from £139,354 in July 2016 to £204,008 in July 2026, a change of +46.4%; +5.6% over the last twelve months (UK House Price Index).
How much Land and Buildings Transaction Tax on an average-priced home in Moray?
On £204,008, Land and Buildings Transaction Tax (LBTT) comes to £1,180 for a home mover, £580 for a first-time buyer and £17,501 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, 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 Moray in July 2016 (£139,354) and sold at the July 2026 average (£204,008), the gain of £64,654 costs a higher rate taxpayer £14,797, 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 Moray?
1,790 sales in Moray were registered from May 2025 to April 2026, the latest twelve months with complete volumes (UK House Price Index).
Is Moray expensive?
Moray ranks 105th 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 | Scotland |
|---|---|---|
| Detached | £316,545 | £362,765 |
| Semi-detached | £200,648 | £225,166 |
| Terraced | £159,169 | £182,762 |
| Flat or maisonette | £110,429 | £136,950 |
| All types | £204,008 | £196,349 |
| First-time buyers | £170,038 | £160,341 |
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 | £139,354 | — |
| 2017 | £146,975 | +5.5% |
| 2018 | £150,790 | +2.6% |
| 2019 | £151,095 | +0.2% |
| 2020 | £149,266 | -1.2% |
| 2021 | £167,431 | +12.2% |
| 2022 | £187,956 | +12.3% |
| 2023 | £194,587 | +3.5% |
| 2024 | £195,096 | +0.3% |
| 2025 | £193,253 | -0.9% |
| 2026 | £204,008 | +5.6% |
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 (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).