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15 Cheapest Places in the UK to Buy 3-Bedroom Houses (2022)

Amanda has worked in estate agency in the Southeast of England in both residential and commercial property sales.

While properties values are relatively high in much of the United Kingdom, there are still plenty of places where you can snag a house for well under £100,000.

While properties values are relatively high in much of the United Kingdom, there are still plenty of places where you can snag a house for well under £100,000.

The True North-South Divide

For us Brits, the ramifications of Brexit and the devastating effect of the COVID-19 pandemic have had an interesting effect on the nation's property market. During the run-up to the EU referendum, former Chancellor George Osborne advised voters that a "leave" result would put a serious dent in UK house prices. Despite these dire predictions, continuing pressure on the housing market prevented any dramatic falls in key areas.

The gentle slide in some rural areas and areas of high unemployment was hardly noticed. However, despite the economic damage caused by various lockdowns, the UK property market has raced ahead in recent months.

Stamp duty land tax has long been a thorn in the side of house buyers in the South-East and other property hotspots. House prices in these areas are eye-wateringly high, and stamp duty makes it even harder to get onto the property ladder. In other parts of the UK, however, it is perfectly possible to buy a good-sized family home without ever having to pay a penny to the government.

For those whose jobs are more mobile, there is a whole wealth of property readily available in cheaper areas of the UK. Below are 15 places you might wish to consider in your search for an affordable three-bedroom house. Each is discussed in detail in the sections that follow. All prices given were found on the Rightmove website and are current as of August 2022.

The 15 Most Affordable Places in the UK to Buy a 3-Bedroom House

  1. Grimsby, Lincolnshire
  2. Stanley, County Durham
  3. Rhondda, Glamorgan
  4. Liverpool
  5. Stoke-on-Trent
  6. Leeds, West Yorkshire
  7. Newcastle-Upon-Tyne
  8. Belfast and Antrim
  9. Hull
  10. Sheffield, South Yorkshire
  11. Birmingham
  12. Swansea, South Wales
  13. Dumfries
  14. Peterborough
  15. Chatham

Only Interested in Properties in Specific Counties?

If you are reading this article secretly hoping to find property in a specific location in the UK, you may prefer to look at county-by-county house price reviews. At present, these include Berkshire, Cambridgeshire, Cornwall, Derbyshire, Devon, Essex, Hampshire, Kent, Lincolnshire, Norfolk, Northamptonshire, Oxfordshire, South Yorkshire, Sussex, Suffolk and Surrey.

An urban creek in Grimsby

An urban creek in Grimsby

1. Grimsby

Grimsby is a major seaport on England's East coast, lying on the South Bank of the Humber Estuary close to where it meets the North Sea.

The Grimsby-Cleethorpes conurbation provides the cultural and industrial focus for a large area of northern and eastern Lincolnshire. Despite its glum-sounding name, Grimsby is a busy, vibrant town with a lively pub and club scene, a comprehensive shopping centre and excellent transport links, including a small airport.

However, the loss of the major part of its fishing industry in the 1990s and early noughties left a massive legacy of unemployment which effectively depressed property prices in the town. Although job prospects are better than they were, it is still perfectly possible to buy a small, three-bedroom house in Grimsby from around £68,000, with some DIY projects and tenanted buy-to-let properties coming in at a little less.

A view toward the hills in Stanley

A view toward the hills in Stanley

2. Stanley, County Durham

Stanley is a former coal-mining town in County Durham. One of the worst pit disasters in British history took place in Stanley in February 1909 when over 160 people were killed in a local coal mine.

There has been some serious investment in the town in recent times, including improved leisure facilities, a new swimming pool, and a solar-powered bus interchange. More improvements are planned, and Stanley already has a well-regarded performance venue, the Lamplight Arts Centre, which hosts events as diverse as boxing matches, comedy shows, and music gigs. The town has a good sprinkling of supermarkets, and there is a twice-weekly market held on Thursdays and Saturdays.

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With the closure of the coal pits and the loss of other major employers in the area, Stanley has been on hard times economically for much of the last twenty years, and local house prices reflect this. A basic three-bedroom terraced house can be bought here from around £70,000.

River Rhondda at Gelli, Rhondda

River Rhondda at Gelli, Rhondda

3. Rhondda, Glamorgan

In the Welsh Rhondda Valley, an area of outstanding charm and natural beauty, a three-bedroom terraced home can be purchased for as little as £80,000 through a traditional estate agency route (or for quite a lot less through property auction). A search on Rightmove revealed several houses in Tonypandy, Maerdy and Ferndale for around that figure, and there were a number of others, all advertised as being in good order, in the £85,000 to £95,000 price range.

Some of the locations listed in this price bracket are Treherbert, Maesteg and Port Talbot. This region has shown a steady rise in prices over the seven years since I first compiled this list, although it still represents exceptional value compared to other parts of the UK. Interestingly, the prices in this region have scarcely been impacted by the recent stamp duty holiday.

The Rhondda Valley was once famed for its many coal mines, however, the closure of local pits in the 1990s left a legacy of high unemployment. The plethora of low-priced homes for sale in this region is a reflection of the pain that these communities continue to feel. Served by the Taff Vale railway line, Tonypandy is the principal town of the Rhondda Valley and has the greatest employment opportunities.

Royal Liver Building, Liverpool

Royal Liver Building, Liverpool

4. Liverpool

Lively Liverpool, with all its musical and artistic heritage, birthplace of The Beatles and Cilla Black, has a generous supply of reasonably-priced three-bedroom terraced houses. The lowest-priced examples I came across in this area were being offered at a little under £90,000, and there were a number of attractive, basic properties available in the Liverpool, Netherton and Bootle areas in the £85,000 to £95,000 price bracket. D-i-y project houses and ready tenanted buy-to-lets are available for a little less.

In recent years, Liverpool has been transformed by an ambitious and far-reaching regeneration programme, and it is now considered to be one of Britain's leading centres for culture and business. Although the generous supply of cheap housing seems to tell a different story, it may just be that the house prices are only temporarily lagging behind the bigger picture. Parts of Liverpool are still ripe for a major makeover so please do your own research before committing your cash.

Certainly, here as in other areas I've investigated, there has been a significant rise in house prices at the lower end of the scale, as buy-to-letters seek out fresh territories, and first-time-buyer schemes help more people onto the property ladder.

Trent and Mersey Canal, Stoke-on-Trent

Trent and Mersey Canal, Stoke-on-Trent

5. Stoke-on-Trent

Stoke-on-Trent is well known for the numerous potteries that grew up in and around the town from the 17th century onwards. Wedgwood, Minton and Royal Doulton are among the more famous china manufacturers from this area, and the potteries, together with abundant local supplies of coal and iron, ensured the prosperity of the region for several centuries.

More recently, however, with pit closures and the loss of numerous factories and steelworks, there has been a sharp rise in unemployment. Nowadays, local tourism opportunities are beginning to be exploited, and both the china works and the canal system draw their fair share of visitors to the region each year.

A three-bedroom terraced house in the Potteries area (in towns such as Stoke-on-Trent and Newcastle-Under-Lyme) can be bought for as little as £80,000 to £90,000. These lower-end homes are often either in need of refurbishment or else buy-to-let properties with a renter already in situ.

A basic, untenanted semi-detached home in good order sells from around £100,000. Prices in this region have climbed steeply in recent years but still represent excellent value for money.

Calder Canal, Wakefield

Calder Canal, Wakefield

6. Leeds, West Yorkshire

According to a recent census, the West Yorkshire city of Leeds is the third-largest metropolitan area by population in the UK. One of the biggest success stories of the Industrial Revolution, Leeds was once a vast, thriving network of wool and linen mills. Now, Leeds continues to enjoy a reputation as the cultural, financial and commercial heart of West Yorkshire.

My search revealed readily available properties in the £105,000 to £135,000 price bracket. The low-end prices are a little higher in nearby Wakefield and Pontefract, but all show listings for comfortable, habitable properties at around £120,000. A few miles away in Bradford, however, prices are considerably lower, and there are bargains to be had in the £85,000 to £95,000 price bracket.

The Tyne Bridge

The Tyne Bridge

7. Newcastle-upon-Tyne

My search on Rightmove in August 2022 turned up numerous three-bedroom properties priced at or below £95,000 in and around Newcastle-upon-Tyne. Three-bedroom houses priced at between £95,000 and £105,000 are plentiful in the Newcastle-upon-Tyne area of Tyne & Wear, particularly in Fenham, West Denton, Throckley and Lemington.

Smart, modern semi-detached houses can be bought in this region from around £125,000. At the other end of the scale, in more favoured areas such as Fenham and Westerhope, spacious, attractive, detached and semi-detached homes are freely available at well under £400,000.

The port developed in the 16th century and—along with the shipyards lower down the River Tyne—became one of the world's largest shipbuilding and ship-repairing centres. These industries have since gone into decline, and today, Newcastle-upon-Tyne is largely a business and cultural centre with a lively nightlife and excellent shopping facilities.

Belfast Wheel, City Hall, Belfast

Belfast Wheel, City Hall, Belfast

8. Antrim and Belfast

Famous for being home to the shipyard that built the Titanic, beautiful Belfast has seen more than its fair share of problems over the years. The continuing sectarian conflict that has divided communities in this city is in sharp contrast, however, to the warm welcome that visitors receive here.

Belfast has a vibrant and thriving city centre with great leisure facilities, historic sites to visit, fabulous shopping streets and excellent transport links. Comfortable three-bedroom homes in this lively, heritage city are available from as little as £80,000 to £100,000 (prices checked on Ulster Property Sales website in August 2022).

The Old Yorkshire Penny Bank building, Hull

The Old Yorkshire Penny Bank building, Hull

9. Hull

Historic Kingston-Upon-Hull, better known as plain “Hull,” has poetic and theatrical links as well as a fascinating maritime past. Recent investment in urban regeneration has brought about much improvement in poorer areas in and around the city, but the property prices remain some of the UK's lowest.

I found a number of three-bedroom, terraced houses advertised for sale priced at around £80,000 or less, all within a 10-mile radius of Hull's city centre. Homes in the £85,000 to £95,000 price range are readily available. If you have a little more to spend, £260,000 will buy you a spacious detached house with good-sized gardens in one of the better areas.

Pinstone Row, Sheffield

Pinstone Row, Sheffield

10. Sheffield, South Yorkshire

Industrious Sheffield, famous for its cutlers and surrounded by some of Britain's most ruggedly beautiful countryside, is a city that has seen tough times in recent years. Like many of the areas listed in this article, Sheffield has seen employment prospects wax and wane, but it still remains a vibrant university city, with many galleries and museums to browse and great sporting and leisure facilities.

Three-bedroom, terraced houses can be bought for as little as £85,000, and there are many available in the £80,000 to £90,000 price bracket both in nearby Barnsley and Mexborough and in the surrounding towns and villages, especially in neighbouring Derbyshire. There are affordable properties in many South Yorkshire towns.

Bullring and St Martin's Church, Birmingham

Bullring and St Martin's Church, Birmingham

11. Birmingham

Birmingham, in the West Midlands county of England, is the UK's second most populous city after London. Once at the forefront of the industrial revolution, Birmingham remains a major international commercial centre. It is home to no less than three universities and is also the site of Britain's National Exhibition Centre.

Three-bedroom houses in the Birmingham districts of Handsworth, Great Barr and Erdington begin at around £120,000.

Swansea Castle

Swansea Castle

12. Swansea, South Wales

Swansea and Port Talbot can trace their roots back to the Stone Age. Romans and Vikings settled here, and the people of these towns have been seafarers, ship-builders, merchants and coal-miners.

Situated on the edge of the beautiful Gower Peninsula, this part of Wales has much to admire, not least its property prices. Three-bedroom terraced homes can be bought here for as little as £100,000.

Boats at the quay, Dumfries

Boats at the quay, Dumfries

13. Dumfries

House prices in Scotland vary greatly from area to area, and prices in some of the big cities such as Edinburgh and Glasgow are just as high—if not higher—than their southern equivalents.

Dumfries, however, has a range of budget-priced homes available, and as of August 2022, RightMove listed several three-bedroom houses with guide prices (offering prices) from a little less than £90,000 for sale in this area.

A garden park in Peterburough

A garden park in Peterburough

14. Peterborough

Almost uniquely amongst the towns within reasonable commuting distance of London, Peterborough actually has three-bedroom houses for sale from as little as £165,000 as of August 2022. Yes; it's true—the cathedral city of Peterborough in lovely Cambridgeshire is less than one hour away from London's King's Cross station by rail, and yet has somehow escaped the worst effects of the London ripple effect.

Peterborough is a modern city which has grown up around a historic centre. The city has all the facilities you would expect in a large urban area, as well as attractive countryside close at hand.

Chatham Riverside with the Command House and St.Mary's Church in the background

Chatham Riverside with the Command House and St.Mary's Church in the background

15. Chatham

Chatham isn't quite the cheapest place to buy a house in Kent, but it's not too far off it. Incredibly for the South East, Chatham has quite a number of three-bedroom houses available to buy from around £230,000 as of August 2022.

Historic Chatham, famous for its dockyards, is on an easy train route into central London, making it an ideal location for commuters. If you are stuck in London and are desperate to improve your accommodation in a more affordable location, then Chatham might be the place you are looking for.

A few short years ago, three-bedroom houses in Chatham started at around £130,000. Prices have climbed steeply and quickly in Chatham and the surrounding areas and are set to escalate with the completion of ongoing regeneration projects.

Historically, Chatham has been cheap for good reason, however, the older areas are now seeing some serious gentrification, and the once-despised Victorian terraces are attracting a new generation of keen developers.

This article is accurate and true to the best of the author’s knowledge. Content is for informational or entertainment purposes only and does not substitute for personal counsel or professional advice in business, financial, legal, or technical matters.

Questions & Answers

Question: Where I am, the price for housing is way too high. The closest place to Milton Keynes mentioned in your article is Peterborough. Can I get more info about this town?

Answer: I would recommend visiting the town and driving around to see if the area suit your needs. Think about the things you might need such as good transport links, access to healthcare,schools and leisure facilities, and always remember to check the crime statistics. Everything you need to know is available online, but it's a good idea to visit in person, and get a feel for the neighborhood. Have a look on Rightmove and Zoopla to see what properties are available in your price range, and note down the names of streets and areas that seem promising.

Question: I am interested in getting to know more about Peterborough to buy a three bedroom property there in 2019. Do you have any tips?

Answer: I would recommend visiting the town and driving around to see which areas best suit your needs. Consider schools, transport links, proximity to healthcare, and crime statistics. All of the information is available online, but you can't beat seeing the area with your own eyes, and getting a feel for the neighborhood. There is always a reason why one area is more affordable than another. Often this has to do with employment opportunities, but many other factors can affect house prices, and it pays to do your research. What one person finds acceptable, or even desirable, might present a problem to someone else.

Question: I am looking for a low-cost area for my family coming from Jamaica, which place will be more suitable for me?

Answer: Only you can know what you are looking for in an area. Large cities such as Birmingham, Leeds, Derby, Hull, and Sheffield are perhaps more likely to have jobs and be rich in cultural diversity than the Welsh valleys. The large urban areas in the North are cheaper than the towns and cities in the South of England, but even in the South prices can vary wildly from town to town. Research areas on Rightmove and Zoopla alongside job searches on Indeed and other job sites to see where the best opportunities are for you.

Question: If we absolutely have to move back to GB after the Brexit debacle where can we buy near Chichester for £100.000?

Answer: Sussex is a long way from being the UK's cheapest county for property, and Chichester is a very desirable location with many expensive homes within its boundaries. You might find the property prices further round the coast in Hampshire slightly more affordable. Towns such as Portsmouth, Gosport, and Southampton are cheaper than similarly sized Sussex towns. However, if forecasts are to be believed, prices are likely to plummet post-Brexit. It's all a waiting game. No-one knows for sure what the outcome will eventually be.

Question: Which location offers the best buy to rent annual yield?

Answer: My interest is in house prices and how they vary from area to area. I have never researched this topic from a buy-to-let perspective.

From a purely logical viewpoint, I would anticipate that University cities and towns are always going to be good areas to invest in property-wise, and there are universities in most of the large urban areas. It is always best to do your own research but locations such as Sheffield, Derby, Manchester, Newcastle-on-Tyne might be a good place to start.

© 2011 Amanda Severn

Comments

Amanda Severn (author) from UK on July 08, 2015:

Thanks Olivia, that's great advice! Good luck with your house purchase!

Olivia Sanzzi from San Antonio on July 03, 2015:

I am an American who lived in London for a year, and in my opinion, your article is fascinating and exceptional. I am in the process of buying a house, and though the challenges at times feels unsurmountable, I now realize that it is nothing compared to the process for you in the UK. I thought that the issues were only true for London zones 1-4, but now I see that it is a far broader, farther-sweeping issue. Well good luck with all challenges you face, and please keep blogging even on days you do not feel like writing at all. Your posts are great.

Amanda Severn (author) from UK on April 28, 2015:

Hi Rising Start, the reason the responses have such a range is that the original article was written in 2011, and I have updated it annually, and more recently, every six months, in order to keep it current. After all, no one wants to know about 2011 prices, when they're actually hoping to buy this year!

rising star1 on April 26, 2015:

Nice article

First time reading a hub page

What I'm confused about Amanda is that some of the responses range from 2months which is fine to 2years ago ?

Yet the article is for 2015 ?

Pls help

Amanda Severn (author) from UK on February 23, 2015:

Thanks for stopping by and commenting Maggs224.

maggs224 from Sunny Spain on February 21, 2015:

I have not lived in the UK for ten years so I was surprised that there are still homes for sale at such low prices. An interesting hub with some very interesting comments and answers too. I am glad that that your title hooked my interest. I am voting up and hitting the relevant buttons on my way out :D

Jacobb9205 on February 15, 2015:

Amanda Severn, No problem, thank you for replying! :) Yes that's true

Amanda Severn (author) from UK on February 15, 2015:

Thanks for stopping by and commenting Jacob9205. It's always worth checking out the towns around where you want to live. There can be huge variation even within a single county.

Amanda Severn (author) from UK on February 15, 2015:

Thanks for stopping by and commenting.

Jacobb9205 on February 14, 2015:

Very interesting! When I buy my own home I will check out these places, thank you! :)

Carrie Lee Night from Northeast United States on February 13, 2015:

Interesting ! :) Even though I live in the U.S. it is interesting to learn about different real Estate. Thank you for sharing ! :)

Amanda Severn (author) from UK on December 29, 2014:

How amazing to be able to buy your perfect home for such a small amount! Here in the South-East property prices have reached ridiculous levels. Young couples hoping to get a foothold on the property ladder can do little more than dream in places like Brighton. Good luck in your new home - I hope you'll be very happy there!

Chantele Cross-Jones from Cardiff on December 29, 2014:

great round up! Love that some south wales places got in there too!! I live in Neath (between Swansea and Port Talbot) and we just bought a stunning 2 bed semi with a huge Garden for £128,000. We moved from Cardiff because £128,000 would barely get you a tiny 1 bed flat there! House prices really are getting silly all over the UK. My parents have an amazing 4 bed detached house they bought 30 years ago and it cost less than £60,000, now its worth closer to £225,000

Amanda Severn (author) from UK on September 15, 2014:

Thanks for stopping by and commenting Louise. The range of prices over comparatively short distances is genuinely astounding. Good luck in your new home. I hope it goes well for you.

Louise0711 on September 15, 2014:

Very interesting. Just buying a 3 bedroom terraced house in Bromsgrove (between Worcester and Birmingham). We moved from London as it was impossible for us to buy there and you get so much more space for your money out of the captial.

Amanda Severn (author) from UK on September 11, 2014:

Thanks for your comment Hezekiah. Property prices vary widely across the UK, but I have concentrated on the cheapest examples here. However, if you are searching in central London, or in other property hotspots such as Brighton, you might find prices that compete with Japan!

Hezekiah from Japan on September 09, 2014:

Thank for the article. I was born in the UK and moved to Japan and bought property here. So expensive compared to the size and price of the UK.

Amanda Severn (author) from UK on July 14, 2014:

Hi Poppy, I guess my dozen turned into a baker's dozen! I intend to add two more over the next day or so, and then I will change the title number to 15. Thanks for stopping by and commenting, and yes, it took a ton of research!