Average Rent, House Prices and Buy-to-Let Yield in Cotswold (July 2026)
The average private rent in Cotswold is £1,248 a month (ONS, July 2026) and the average house price £411,764 (HM Land Registry, June 2026): a gross yield of 3.6%, ranked 277 of 316 local authorities.
Rent in Cotswold
The average private rent across all property types is £1,248 a month (+6.0% on a year earlier). The regional median in the South West is £1,046.
| Property | Per month | Per year |
|---|---|---|
| 1 bedroom | £867 | £10,404 a year |
| 2 bedrooms | £1,102 | £13,224 a year |
| 3 bedrooms | £1,339 | £16,068 a year |
| 4+ bedrooms | £2,031 | £24,372 a year |
The bedroom ladder in Cotswold: one to two bedrooms adds 27.1% to the rent, two to three adds 21.5% and three to four-plus adds 51.7% (England-and-Wales medians 27.3%, 20.9% and 40.9%). The biggest step here is three to four or more bedrooms — the size where an extra room earns most, and the first place to look when comparing a conversion against its cost.
House prices in Cotswold
The average price paid is £411,764 (+3.2% on a year earlier).
| Type | Average price |
|---|---|
| Detached | £661,465 |
| Semi-detached | £392,417 |
| Terraced | £334,758 |
| Flat | £202,639 |
Rents are outrunning prices in Cotswold. Rents moved +6% over the year against +3.2% for prices — a gap of 2.8 points that lifts the gross yield a buyer sees today. Cotswold ranks 65th of 316 local authorities for rent growth and 144th of 316 for price growth; the England-and-Wales medians are +3.8% and +2.8%.
Gross yield by property type in Cotswold
| Type | Rent / month | Average price | Gross yield | E&W median |
|---|---|---|---|---|
| Flat | £1,102 | £202,639 | 6.5% | 7.5% |
| Terraced house | £1,339 | £334,758 | 4.8% | 5.7% |
| Semi-detached | £1,339 | £392,417 | 4.1% | 4.6% |
| Detached | £2,031 | £661,465 | 3.7% | 4.1% |
On these pairings the strongest gross yield in Cotswold is on flats at 6.5%, against an England-and-Wales median of 7.5% for that type; the weakest is detached. Gross figures ignore service charges, which usually make flats the thinnest net yield of the four.
What that means for a landlord
- Gross yield 3.6% (rent × 12 ÷ price) — rank 277 of 316 local authorities; the regional median is 4.1%. Net yield is lower once mortgage interest, insurance, maintenance and voids come off.
- Tenant affordability: referencing at 30× means a household income of about £37,440 a year for the average rent.
- EPC before 2030: 54% of EPCs lodged in Cotswold over the last year were below band C — the level a rented home needs by 1 October 2030 — with 35% at D (EPC ratings in Cotswold).
- Council tax: Band D in Cotswold is £2,392 for 2026/27, and the council charges a 100% second-home premium (council tax in Cotswold).
Lender maths on the averages. At a 5.5% stress rate and 145% rent cover — the common buy-to-let convention — the average rent of £1,248 supports a loan of about £187,787, which is 45.6% of the average price. That falls short of 75% loan-to-value, so a buyer of an average home here needs a larger deposit or a stronger rent to pass the stress test. Both numbers are conventions rather than rules — change them in the stress test.
Run the numbers for Cotswold
- Yield calculator with £411,764 and £1,248 already filled in
- Mortgage stress test at 75% LTV on the average price
- Rent affordability: the income a tenant needs to reference at £1,248 a month
- Rental income tax on £14,976 a year of rent
Nearest neighbours by yield, in the South West
| Area | Rent | Price | Yield | Rent 12m |
|---|---|---|---|---|
| Dorset | £1,051 | £325,410 | 3.9% | +4.8% |
| Teignbridge | £958 | £303,564 | 3.8% | +3.7% |
| Mid Devon | £876 | £284,283 | 3.7% | +1.6% |
| Torridge | £788 | £260,783 | 3.6% | +2.5% |
| North Devon | £845 | £281,532 | 3.6% | −0.1% |
| West Devon | £840 | £286,145 | 3.5% | +2.1% |
All 316 areas ranked · council tax in Cotswold · EPC ratings in Cotswold.
Rents: ONS, Price Index of Private Rents (average monthly private rent by local authority, July 2026). Prices: HM Land Registry UK House Price Index (average price, June 2026). Gross yield = rent × 12 ÷ price, our calculation. Contains public sector information licensed under the Open Government Licence v3.0; contains HM Land Registry data © Crown copyright and database right 2026. Rankings and medians are ours, across 316 local authorities.
Asked about this area
£1,248 a month across all property types (ONS Price Index of Private Rents, July 2026), up 6.0% on a year earlier.
£411,764 (HM Land Registry UK House Price Index, June 2026).
About 3.6% gross on the averages — £1,248 rent against a £411,764 price — ranking 277 of 316 local authorities. Net yield depends on your mortgage and costs.
Flats on our pairing: 6.5% gross (£1,102 rent on a £202,639 price), against an England-and-Wales median of 7.5% for that type.
Rents +6% against prices +3.2% over the year — rents ahead, so yield is rising for a buyer today.
Referencing at 30 times the monthly rent points to roughly £37,440 a year of household income for the average home; the affordability calculator shows 24× and 36× too.
Postcode districts in Cotswold
Council tax bands, sold prices and build periods for each district — all GL postcodes · all WR postcodes.