What Are The Most Affordable Places to Live in Hull?

The average house price in Hull is now £168,617, based on Rightmove data as of 13th November 2025.

That puts it among the most affordable cities for first-time buyers in Hull, especially when compared to the wider Yorkshire region.

Even so, prices vary widely between neighbourhoods, and the kind of property you’re looking at can make a real difference to how far your deposit goes.

From modern homes with standard layouts to older terraces that may need some work, each area comes with its own considerations.

Below, we’ve highlighted seven locations where first-time buyers in Hull are still finding opportunities.

You’ll find average property prices, expected deposit levels and the types of homes available, along with how each area could affect your mortgage options.

1. Bransholme

Property Prices in Bransholme

The average house price in Bransholme is £116,923, making it one of the most budget-friendly areas in Hull.

What Will a Deposit Look Like? 

A 5% deposit here would be around £5,847. At 10%, that rises to £11,692, and a 15% deposit would come in at approximately £17,538.

Types of Homes You’ll Find 

Bransholme is known for its large supply of post-war terraces and semis, often built with practical layouts and good internal space.

Three-bedroom houses are widely available and typically offer more square footage for the price than in other parts of the city.

Some homes have been updated with modern kitchens and heating systems, while others retain original finishes and layouts.

Many properties come with front and back gardens, off-street parking and brick-built extensions.

These additions may require planning documentation, depending on when they were completed, so it’s worth checking how lenders view any changes made to the original structure.

The area appeals to buyers looking to get more property for their deposit, especially when aiming for a family-sized home at a first-time buyer budget.

Thinking About Buying in Bransholme? 

We’ll show you how lenders assess properties in this part of Hull and explain what to expect if the home has been extended or hasn’t been updated in recent years.

2. Garden Village

Property Prices in Garden Village

The average house price in Garden Village is £160,065, which brings it just under the Hull average.

What Will a Deposit Look Like? 

A 5% deposit would come in at £8,004, rising to £16,007 for a 10% deposit and £24,010 at 15%.

Type of Homes You’ll Find 

Garden Village is a designated conservation area, originally designed in the early 1900s as a self-contained residential community.

The area features red-brick terraces, character cottages and semi-detached homes, many arranged around green spaces and wide tree-lined roads.

Homes tend to be well cared for and retain a distinctive period charm, with bay windows, original doors and larger gardens.

Buyers are often drawn to the style and layout of these homes, which stand out from newer developments.

External alterations may be limited under conservation rules, so it’s important to check whether any visible changes were approved correctly.

This includes extensions, replacement windows or changes to boundary walls.

Properties here are usually freehold, and most are family-owned over long periods, meaning some homes may need minor upgrades to meet modern expectations.

Thinking About Buying in Garden Village? 

We’ll guide you through how conservation rules and property age can influence mortgage options, and help you identify which lenders are best suited for homes in this part of the city.

3. Victoria Dock

Property Prices in Victoria Dock

The average house price in Victoria Dock is £166,035, which is just below Hull’s overall average.

What Will a Deposit Look Like? 

A 5% deposit would be £8,302, while 10% is £16,603 and 15% sits around £24,905.

Type of Homes You’ll Find

Victoria Dock is one of Hull’s best-known modern residential areas, built from the 1990s onwards.

It features a range of two and three-bedroom terraced houses, townhouses and purpose-built flats, many of which include private driveways, gardens or shared courtyards.

Properties tend to follow uniform designs, making them easier for lenders to assess in terms of layout and build type.

Apartments are generally leasehold and may come with service charges, while houses are typically freehold but could include estate management fees.

Lenders will want to review lease details, service costs and any shared ownership arrangements where applicable.

Homes in this area tend to appeal to buyers who want something low-maintenance, often with more energy-efficient designs and fewer renovation needs.

This can support a smoother mortgage application process, especially when the home is part of a larger managed development.

Thinking About Buying in Victoria Dock?

We’ll help you understand how leasehold conditions, estate charges or shared access agreements may be factored into your mortgage and highlight which lenders are most open to properties in newer developments like Victoria Dock.

4. Longhill

Property Prices in Longhill

The average house price in Longhill is £166,358, sitting just below the Hull average.

What Will a Deposit Look Like? 

A 5% deposit would be approximately £8,318, with 10% at £16,636 and 15% at around £24,953.

Type of Homes You’ll find 

Longhill is made up mainly of mid-century terraced and semi-detached houses, many of which were built with generous gardens and off-street parking.

The area offers a good mix of two and three-bedroom homes, some of which have been modernised, while others still reflect their original layouts.

Buyers often find that homes in Longhill provide more internal space than newer developments at the same price point.

Properties may have had extensions or conservatories added, and while these can be useful, it’s worth checking they were completed with the right permissions and certifications.

Lenders tend to take a straightforward view of properties here, although some may want additional detail where upgrades or layout changes have been made.

Thinking About Buying in Longhill? 

We’ll help you understand how different property layouts and past alterations might affect your borrowing options and which lenders are likely to be most flexible in this area.

5. Sutton-On-Hull

Property Prices in Sutton-On-Hull

The average house price in Sutton-On-Hull is £175,507, placing it slightly above the average but still well within range for many first-time buyers in Hull.

What Will a Deposit Look Like? 

A 5% deposit comes in at £8,776, with 10% at £17,551 and 15% at £26,326.

Type of Homes You’ll find 

Sutton-On-Hull is a residential area known for its traditional semis and well-spaced terraces, many of which were built in the 1930s through to the 1970s.

The area also has a small number of bungalows and modern infill builds that have added to its variety.

Most homes here are freehold and follow familiar designs, which generally makes the mortgage process more straightforward.

Some properties have been upgraded with new kitchens, windows or roofs, while others present opportunities for future improvement.

The area appeals to buyers who want a quieter setting without stepping too far outside the city limits, and many homes come with gardens and off-road parking as standard.

Thinking About Buying in Sutton-On-Hull? 

We’ll take you through which types of properties tend to work well with mortgage lenders and explain how any changes to the home could factor into your application.

6. Bilton

Property Prices in Bilton

The average property price in Bilton is £186,528, placing it just above average for Hull.

What Will a Deposit Look Like? 

A 5% deposit would be around £9,327, with 10% at £18,653 and 15% at approximately £27,980.

Type of Homes You’ll find 

Bilton sits on the eastern edge of Hull and features a blend of post-war semis, modern family homes and a small number of detached properties.

It has grown steadily over the years and includes a mix of older streets and newer cul-de-sacs that have been added more recently.

Homes here typically offer larger footprints and more outdoor space than you’d find closer to the city centre. Buyers can expect driveways, conservatories and garages as common features.

Some properties may fall under estate management, particularly in newer pockets of development, and this could mean extra documentation when applying for a mortgage.

The area often attracts families, but it remains accessible for first-time buyers in Hull who are working with a slightly larger deposit.

Thinking About Buying in Bilton?

We’ll check whether the type of home you’re looking at fits the criteria lenders expect in this part of Hull and explain any extra paperwork that might be needed for newer builds or shared spaces.

7. Kingswood

Property Prices in Kingswood

The average house price in Kingswood is £191,988, making it the highest of the areas featured in this guide.

What Will a Deposit Look Like? 

A 5% deposit would be £9,600, with 10% at £19,199 and 15% at £28,798.

Type of Homes You’ll find 

Kingswood is a modern residential development made up of mostly two, three and four-bedroom homes, including detached properties, townhouses and some flats.

Built from the late 1990s onwards, homes here typically meet newer energy standards and offer efficient layouts with fewer surprises for mortgage lenders.

Properties tend to come with driveways, landscaped gardens and fitted kitchens.

Many are freehold, but leasehold or shared ownership terms may still apply on flats or smaller developments, so it’s important to check the details early in the process.

The area is especially popular with buyers who want a home that requires little to no work. Mortgage lenders usually take a favourable view on homes here due to their standard build type and layout.

Thinking About Buying in Kingswood? 

We’ll help you navigate the mortgage side of buying in Kingswood, including how lease terms, new-build status or estate fees could play a role in your application.

Looking Beyond the Averages

Affordability across Hull continues to draw attention from first-time buyers in Hull, particularly those working with smaller deposits or relying on more manageable monthly repayments.

While the city average remains relatively low, there are clear differences between areas when it comes to property type, layout and long-term suitability.

Some homes are newer builds with straightforward lending profiles. Others may have seen changes over the years, from extensions and loft conversions to replaced windows or altered boundaries.

These details don’t always affect your ability to get a mortgage, but lenders will still want to know how the property lines up with their criteria.

There’s also the question of tenure, especially in areas where leasehold flats or newer estates bring extra costs like service charges or maintenance fees.

These are the kinds of details that often get overlooked at the early stages, yet they can play a big role in shaping what a lender is prepared to offer.

We’ll help you weigh up which parts of Hull are most suited to your deposit and borrowing potential, making sure the properties you’re looking at are realistic from a mortgage point of view.

Date Last Edited: 12/24/2025