MK45 postcode: council tax bands, what homes pay and house prices in Bedford
The MK45 postcode district covers 22,088 homes across 1,313 live postcodes in Bedford. The most common council tax band is Band C (27% of homes), which Central Bedfordshire charges £2,237 for 2026/27 — the district also runs into Bedford.
Council tax bands in MK45
MK45 is split between councils — Central Bedfordshire (89% of postcodes), Bedford (11% of postcodes) — so the charge depends on which side of the boundary an address falls. The table shows the two largest.
| Band | Homes | Share | Central Bedfordshire 2026/27 | Bedford 2026/27 |
|---|---|---|---|---|
| Band A | 1,131 | 5.1% | £1,677 | £1,648 |
| Band B | 2,942 | 13% | £1,957 | £1,922 |
| Band C | 6,016 | 27% | £2,237 | £2,197 |
| Band D | 4,368 | 20% | £2,516 | £2,472 |
| Band E | 3,493 | 16% | £3,075 | £3,021 |
| Band F | 2,513 | 11% | £3,634 | £3,570 |
| Band G | 1,576 | 7.1% | £4,194 | £4,120 |
| Band H | 49 | 0.2% | £5,032 | £4,943 |
Weighting every band by how many homes sit in it, the typical council tax bill in MK45 is about £2,664 a year (£222 a month) at Central Bedfordshire’s 2026/27 charges — Band D itself is £2,516, up 5.1% on 2025/26. Bands were set from 1 April 1991 values in England and Wales (2003 values in Wales) and only change on a revaluation or a successful challenge, so the mix below shifts slowly.
Across England and Wales 22% of homes are Band C, so MK45 is heavier than average in that band; 18% of homes here are Band A or B (43% nationally) and 35% are Band E or above (20% nationally).
These are the Valuation Office Agency’s counts for the statistical areas that make up MK45, not a look-up of your address — for the exact band of one property use the VOA band search. Charges include the adult social care precept and police, fire and parish precepts where Central Bedfordshire reports them in its Band D figure; single-person and other discounts come off afterwards.
House prices in MK45
HM Land Registry recorded 674 standard sales in MK45 in the twelve months to 31 July 2026. The median price paid was £395,000; half of sales fell between £320,000 and £520,000, with the cheapest at £53,129 and the dearest at £1,600,000. That is up 0.0% on the previous twelve months (median £395,000 from 510 sales).
| Type | Sales | Median price |
|---|---|---|
| Detached | 235 | £537,500 |
| Semi-detached | 226 | £380,000 |
| Terraced | 164 | £317,250 |
| Flat / maisonette | 49 | £215,000 |
Gross yield at the MK45 median
ONS puts the average private rent in Central Bedfordshire at £1,249 a month (July 2026). Against the MK45 median sale price of £395,000 that is a gross yield of 3.8% before void periods, agent fees, repairs and tax. The Central Bedfordshire rent and prices page breaks rent down by bedrooms, and the rental yield calculator takes your own purchase price and rent.
How old the homes are
| Built | Homes | MK45 | England & Wales |
|---|---|---|---|
| Before 1900 | 1,982 | 9.0% | 15% |
| 1900–1939 | 1,453 | 6.6% | 20% |
| 1945–1972 | 5,541 | 25% | 26% |
| 1973–1999 | 7,198 | 33% | 21% |
| 2000–2008 | 1,247 | 5.7% | 6.3% |
| 2009 onwards | 4,481 | 20% | 12% |
16% of homes in MK45 were built before 1939, against 35% across England and Wales. Older stock usually means lower EPC ratings and higher heating bills — relevant because privately rented homes need EPC C by 1 October 2030, and Central Bedfordshire’s EPC page shows how far the local stock is from that line.
If you let a home in MK45
- Empty between tenants: the landlord is liable for council tax during a void, and Central Bedfordshire sets its own empty-home discount or premium — see Central Bedfordshire council tax 2026/27 and council tax in void periods as a deductible expense.
- Second homes and long-term empties: a 100% premium can apply from April 2025 — the premium tracker lists each council’s decision.
- HMOs: since 1 December 2023 a licensed HMO is banded as one dwelling in England, with the landlord liable — check licensing rules by council.
- Buying to let here: run the second-home stamp duty and buy-to-let stress test at the MK45 median, then the rental income tax calculator.
Other MK postcodes
MK1 · MK2 · MK3 · MK4 · MK5 · MK6 · MK7 · MK8 · MK9 · MK10 · MK11 · MK12 · MK13 · MK14 · MK15 · MK16 · all MK districts
Sources
Open data this page is built from; figures are recomputed each time the site is rebuilt.
- Valuation Office Agency — Council Tax: stock of properties, 2025 — table CTSOP4.1, dwellings by band and build period at 31 March 2025, weighted from statistical areas into postcode districts
- HM Land Registry — Price Paid Data — standard sales registered to 31 July 2026. Contains HM Land Registry data © Crown copyright and database right 2026, licensed under the Open Government Licence v3.0
- ONS — Postcode Directory, August 2026 — live postcodes, statistical areas and local authorities. Contains OS data © Crown copyright and database right 2026; Royal Mail data © Royal Mail copyright and database right 2026
- Council tax charges 2026/27 — MHCLG and Welsh Government council tax levels, as used on this site’s council pages
- VOA — check your council tax band — the official per-address lookup
Asked about this postcode
Band C — 27% of the 22,088 homes the VOA lists in MK45. Bands A–D together cover 65% of homes here.
Band D in Central Bedfordshire is £2,516 a year; Band C, the most common band in MK45, is £2,237. Weighted across every band the typical bill is about £2,664.
Central Bedfordshire — 89% of live postcodes in MK45 fall in that authority. The rest are in Bedford.
The median price paid in the twelve months to 31 July 2026 was £395,000 across 674 standard sales registered with HM Land Registry; a quarter of sales were below £320,000 and a quarter above £520,000.
Use the Valuation Office Agency’s free search (linked above) — it returns the band for any address in England and Wales. If you think the band is wrong you can ask the VOA to review it; a successful challenge is backdated.