Harlow is a town in Essex, in the East of England. Average sold prices in Harlow sit at £316,293 on the HM Land Registry House Price Index, 9.1% above the England average of £289,946 but £20,889 below the wider East of England average of £337,182. That single line is the Harlow case: a town priced above England because Liverpool Street is around 30 minutes away by train, yet cheaper than the East of England around it. The population grew 13.89% between the 2011 and 2021 censuses, from 81,944 to 93,329 residents, more than double the 6.3% England and Wales average, the kind of growth that feeds a rental market.
The seven postcodes that make up Harlow and its surrounding villages spread the price range wide. Asking prices run from £304,670 in CM20 (Harlow Town Centre) up to £657,520 in CM16 (Epping), and the cheapest postcode is also the highest-yielding. The income case lives in the new-town core, around the town centre and the southern neighbourhoods, while the outer villages carry premium prices and the softer yields that come with them.
This guide covers Harlow (ONS code E07000073) in Essex, together with the surrounding postcode catchment that includes Epping, Sawbridgeworth and Hoddesdon, across CM16, CM17, CM18, CM19, CM20, CM21 and EN11. Harlow sits in the East of England, around 25 miles north of central London on the West Anglia Main Line. The wider buy to let in Essex region runs from the commuter towns near London out to the coast at Southend.
Article updated: June 2026
Why Invest in Harlow?
Harlow added 11,385 residents between the 2011 and 2021 censuses, a 13.89% rise that more than doubled the 6.3% England and Wales average. For a town of 93,329 people that is fast growth, and it is the type of growth that points at a working rental market: people arriving to live and rent before they buy. Harlow was built as one of the original post-war new towns, so its housing leans towards practical family homes laid out across defined neighbourhoods rather than a single dense centre.
The local economy runs on London proximity rather than London wages. The median weekly wage in Harlow is £738.10, a little under both the East of England figure of £785.80 and the Great Britain median of £752.40, and the employment rate is 74.8%. What lifts the case is access: the West Anglia Main Line puts Liverpool Street within roughly half an hour, so a slice of the tenant base earns London money while living on Harlow rents. That gap between local pay and London-facing demand is why the cheaper postcodes, where rents line up with local wages, are the ones that work hardest for income.
The forward case rests on a confirmed wave of government investment. The relocation of the UK Health Security Agency's national biosecurity headquarters to Harlow, the Harlow and Gilston Garden Town, and a live town-centre rebuild are all moving from plan to construction, which the regeneration section below sets out in detail. Together they point at a deeper, higher-skilled tenant base arriving over the next decade.
Harlow Economic Summary
- Population (Harlow): 93,329 (2021 Census). Growth of 13.89% from 2011.
- Median annual salary: £38,380 (local), £39,125 (Great Britain)
- Median weekly salary: £738.10 (local), £785.80 (East of England), £752.40 (Great Britain)
- Employment rate: 74.8% (local)
- Key employers and sectors: UK Health Security Agency, pharmaceuticals and life sciences, Princess Alexandra Hospital, logistics and distribution, retail and the planned biosecurity campus
Source: ONS Census 2021, Nomis Labour Market Profile (ASHE 2025)
Regeneration and Investment in Harlow
Harlow has secured a confirmed multi-billion-pound government investment in a national biosecurity campus alongside a 10,000-home garden town and a live town-centre rebuild. After decades defined by its new-town origins, the spending now landing is concentrated where it matters for renters: high-skilled jobs, new housing and the transport links between them.
- National Biosecurity Centre (Government confirmed): In July 2025 the government confirmed the UK Health Security Agency will consolidate its high-containment laboratories from Porton Down and Colindale into a single national campus in Harlow, a multi-billion-pound investment with £250 million committed over this Parliament to start delivery. Around 1,600 roles will support construction and site development, with the first facilities expected to open by the mid-2030s and full operation targeted for 2038. For an investor, it points at a future tenant base of higher-skilled professionals. Details at GOV.UK.
- Harlow and Gilston Garden Town (Under construction): Planning permission for the Gilston development was issued by East Herts Council in January 2025, clearing 10,000 homes across seven new villages on Harlow's northern edge. Construction has started on the Sustainable Transport Corridor connecting Gilston to the town centre, with the first homes expected from 2026 onwards. Details at Harlow and Gilston Garden Town.
- Town Centre Regeneration (Active construction): Construction began in December 2025 on the transformation of Market Square, funded through the Towns Fund, with completion targeted for summer 2026. The work covers Market House, Adams House and The Rows, alongside a new sustainable transport hub replacing the old bus station. Updates at Harlow Council.
Source: Office for National Statistics - Population for Harlow
Harlow Property Market Analysis
Average property prices in Harlow have risen 446.7% since January 1995, from £57,853 to £316,293. The sections below walk through that journey cycle by cycle, then break down current postcode-level data for sold prices, price per square foot, asking prices, growth, transaction volumes and selling times across all seven postcodes.
When was the last house price crash in Harlow?
The figures here come from HM Land Registry at borough level, covering Harlow as a whole rather than postcode by postcode. Its House Price Index reaches back to January 1995 and runs to the latest March 2026 reading, so it captures more than thirty years of the town's ups and downs.
The 1995 to 2008 climb: Harlow started at £57,853 in January 1995. By December 2000 the average had reached £91,451, and the early-2000s boom carried it higher through the decade. The market peaked at £191,747 in January 2008, more than three times the 1995 level in thirteen years, helped by Harlow's affordability against the towns nearer London.
2008 to 2009, the financial crisis: Prices fell from the January 2008 peak of £191,747 to a trough of £148,564 in April 2009, a drop of 22.5% over fifteen months. That was a steeper fall than the England decline of around 18% over the same crash, which fits a commuter town: the South East and East had run up harder in the boom and gave more back when mortgage lending tightened.
The 2010 to 2013 plateau: Recovery came in a crawl. Prices lifted off the April 2009 trough but then drifted sideways for several years inside a band of roughly £165,000 to £185,000, never quite clearing the old peak. As an outer-London town, Harlow tends to wait on the capital to move first before it follows.
Recovery, 2014: Prices finally cleared the January 2008 peak in May 2014, when the average reached £192,389. It took just over six years to get back to where the market had been, after which the London ripple pushed Harlow up sharply through the middle of the decade.
2014 to 2019, the commuter surge: This was Harlow's strongest run. Prices climbed from £192,389 in May 2014 to £245,905 by March 2016 and kept rising as buyers priced out of east London and inner Essex looked further up the line. By the end of 2019 the average sat at £282,244.
2020 to 2022, the pandemic surge: The stamp duty holiday and the move towards more space lifted Harlow again, with the average climbing to £323,640 by October 2022 as affordable commuter towns with fast London links saw renewed demand.
2023 to present: The market set an all-time high of £326,914 in January 2023 before higher mortgage rates cooled it, slipping to around £303,189 by June 2024. Since then it has firmed again, reaching £316,293 by the latest reading in March 2026, up 5.3% over the year and 3.2% below the January 2023 high. The current price is 65.0% above the January 2008 pre-crash peak.
Long-term growth summary:
- 5 years (March 2021 to March 2026): 14.4% growth (£276,547 to £316,293)
- 10 years (March 2016 to March 2026): 28.6% growth (£245,905 to £316,293)
- 15 years (March 2011 to March 2026): 87.2% growth (£168,935 to £316,293)
- 20 years (March 2006 to March 2026): 90.9% growth (£165,662 to £316,293)
- 30 years (January 1995 to March 2026): 446.7% growth (£57,853 to £316,293)
Harlow's 22.5% crash was deeper than the national average, the price the commuter belt pays for rising faster on the way up. The 30-year return of 446.7% reflects the same London pull working the other way. Someone who bought at the exact January 2008 peak would now be 65.0% ahead on the Land Registry average, having sat through a six-year wait to get back to par. The recent 5.3% annual gain marks the market firming up rather than chasing a new high.
- All property types
- Detached
- Semi-detached
- Terraced
- Flats
- All property types
- Detached
- Semi-detached
- Terraced
- Flats
Sold House Prices in Harlow
The average sold price across all property types in Harlow is £316,293, which is 9.1% above the England average of £289,946 as of March 2026. Harlow sells at a premium to England rather than a discount, and that premium is heaviest in the middle of the market, on the semi-detached and detached family stock the new town produced in volume. Flats are the one type that sits below the national figure, which tells you the commuter premium here is paid for space rather than for apartments.
| Property Type | Harlow Average | England Average | Difference |
|---|---|---|---|
| Detached houses | £627,344 | £470,492 | +33.3% |
| Semi-detached houses | £432,866 | £288,185 | +50.2% |
| Terraced houses | £317,886 | £243,788 | +30.4% |
| Flats and maisonettes | £181,868 | £214,563 | -15.2% |
| All property types | £316,293 | £289,946 | +9.1% |
Detached houses at £627,344 sell 33.3% above England's £470,492. These are the larger homes in the surrounding villages, around Old Harlow, Epping and Sawbridgeworth, the stock that draws London buyers wanting a garden within commuting distance. Annual growth of 6.9% is the strongest of the four types, a sign the top of the market has led the recent firming.
Semi-detached houses at £432,866 carry the widest premium of all at 50.2% above England's £288,185. The new-town layout produced a lot of solid semi-detached housing, and this is the bracket where Harlow's commuter demand bites hardest. With 7.2% annual growth, semis are climbing fastest alongside detached homes and sit at the centre of the family-let market.
Terraced houses at £317,886 are 30.4% above England's £243,788 and post 6.5% annual growth. Terraces are the signature of Harlow's original new-town design, concentrated in the southern and town-centre neighbourhoods, and they are the workhorse stock for standard buy-to-let here: large enough for families, priced below the detached and semi-detached brackets.
Flats and maisonettes at £181,868 are the one type that sits below England, by 15.2%, and the one type barely moving over the year at 1.3%. Harlow is not a flat-heavy town, and without an institutional city-centre apartment market, prices here reflect local demand alone. For an investor, that makes flats the lowest entry point by type and the part of the market that has lagged the recent recovery.
Price Per Square Foot in Harlow
£182 per square foot separates Harlow's cheapest postcode from its dearest, with CM18 at £367 and CM16 at £549. Measuring by the square foot controls for the size of the homes, so it compares the value of one location against another rather than one house type against another. CM16 (Epping) leads, which fits a forest-edge town with the Central line into London and a housing base weighted to larger detached homes.
| Rank | Area | Price Per Sq Ft |
|---|---|---|
| 1 | CM18 (Harlow South) | £367 |
| 2 | CM20 (Harlow Town Centre) | £370 |
| 3 | CM19 (Harlow North) | £386 |
| 4 | EN11 (Hoddesdon) | £422 |
| 5 | CM17 (Old Harlow, Newhall) | £429 |
| 6 | CM21 (Sawbridgeworth) | £443 |
| 7 | CM16 (Epping) | £549 |
CM18 at £367 per square foot is the cheapest space in the catchment, the southern new-town neighbourhoods where Harlow's more affordable terraced housing sits. The three core Harlow postcodes, CM18, CM20 and CM19, cluster between £367 and £386, while the village postcodes of Old Harlow, Sawbridgeworth and Epping all command more. That lower cost per square foot in the town's core is the clearest signal of where the income return concentrates.
CM16 at £549 per square foot is the most expensive by a clear margin, 50% above CM18. Epping sits on the edge of the forest with the Central line running into the City, and the housing leans towards larger detached homes on bigger plots. That premium price per square foot lines up with CM16 carrying the highest asking price in the catchment and one of its lowest yields.
For Sale Asking Prices in Harlow
CM20 at £304,670 and CM16 at £657,520 sit 115.8% apart across Harlow's seven postcodes. The hierarchy follows the per-square-foot order: cheapest in the town centre and southern neighbourhoods, most expensive out in Epping. The mean asking price across the seven postcodes is £431,182.
| Rank | Area | Asking Price |
|---|---|---|
| 1 | CM20 (Harlow Town Centre) | £304,670 |
| 2 | CM18 (Harlow South) | £328,095 |
| 3 | CM19 (Harlow North) | £370,696 |
| 4 | CM17 (Old Harlow, Newhall) | £442,977 |
| 5 | EN11 (Hoddesdon) | £452,245 |
| 6 | CM21 (Sawbridgeworth) | £462,072 |
| 7 | CM16 (Epping) | £657,520 |
CM20 at £304,670 is the entry point into Harlow and one of three core postcodes below the catchment's mean asking price. The town centre and station sit here, and for an investor working to a budget it puts the most property within reach at the lowest barrier to entry. CM18 and CM19, the southern and northern new-town neighbourhoods, follow at £328,095 and £370,696, keeping the genuine Harlow core in a tight band below £375,000.
CM16 at £657,520 is the premium end, more than double CM20's asking price. Epping is a forest-edge commuter town with the Central line into London rather than part of Harlow proper, and that draws a different buyer pool entirely. As the rental sections show, that premium does far more for the price tag than for the income return, which is why the town's core, not its outer villages, is where the buy-to-let numbers stack up.
House Price Growth in Harlow
CM19 (Harlow North) leads on growth in every timeframe, with 17.8% over five years against 4.7% in CM21 (Sawbridgeworth) at the bottom. The core Harlow postcodes have outgrown the surrounding villages: the new-town neighbourhoods are positive across one, three and five years, while Sawbridgeworth and Hoddesdon have given ground over the medium term.
| Area | 1 Year | 3 Years | 5 Years |
|---|---|---|---|
| CM19 (Harlow North) | 3.2% | 7.2% | 17.8% |
| CM20 (Harlow Town Centre) | 2.0% | 1.1% | 12.6% |
| CM18 (Harlow South) | 0.6% | 0.5% | 10.4% |
| CM16 (Epping) | -5.2% | 1.0% | 9.0% |
| CM17 (Old Harlow, Newhall) | 0.7% | -0.2% | 6.7% |
| EN11 (Hoddesdon) | -6.1% | -10.5% | 6.6% |
| CM21 (Sawbridgeworth) | -10.8% | -14.3% | 4.7% |
CM19 at 17.8% over five years has clearly outgrown the rest of the catchment, and it is the firmest performer over three years at 7.2% and over the past year at 3.2%. The northern new-town neighbourhoods, closest to the Gilston garden-town expansion, have had both affordability and a development story on their side. CM20 and CM18 follow with five-year growth of 12.6% and 10.4%, so the three core Harlow postcodes hold the top of the table.
CM21 at 4.7% over five years has been the weakest grower and the softest recently, down 10.8% over the past year and 14.3% over three. Sawbridgeworth is a higher-priced village market that ran up earlier and has since drifted, and Hoddesdon (EN11) shows a similar pattern at -6.1% over the year. The recent picture splits the catchment cleanly: the affordable Harlow core is rising while the premium outer villages have cooled.
Monthly Property Sales in Harlow
Harlow's catchment sees 128 sales a month across its seven postcodes, with CM17 the busiest at 29 and CM21 the quietest at 10. Turnover ranges from 8% in CM16 to 34% in CM18, so the share of stock changing hands varies far more than the headline volumes, with the affordable southern neighbourhood the most active.
| Area | Sales Per Month | Turnover | Asking Price |
|---|---|---|---|
| CM17 (Old Harlow, Newhall) | 29 | 15% | £442,977 |
| CM16 (Epping) | 23 | 8% | £657,520 |
| CM18 (Harlow South) | 22 | 34% | £328,095 |
| EN11 (Hoddesdon) | 18 | 9% | £452,245 |
| CM20 (Harlow Town Centre) | 15 | 13% | £304,670 |
| CM19 (Harlow North) | 11 | 9% | £370,696 |
| CM21 (Sawbridgeworth) | 10 | 9% | £462,072 |
CM18's 34% turnover is comfortably the highest in the catchment, ahead of CM17 at 15% and CM20 at 13%. The affordable southern neighbourhood pairs solid monthly volume with the largest share of its stock changing hands, which for a landlord points to an easier resale when the time comes. CM17 records the most sales at 29 a month, but Old Harlow's larger, pricier housing base means a similar number of deals is a smaller slice of the whole. The quieter village postcodes, CM21 and CM16, move the least stock relative to their size.
How Long Properties Take to Sell in Harlow
CM18 (Harlow South) clears in about 89 days against 304 days in CM19 (Harlow North), the difference between a brisk seller's market and a balanced one. Days on market measures the speed of a sale, the typical wait between listing and a buyer; months of unsold stock measures the backlog, how long the current for-sale supply would take to clear. The four core Harlow postcodes below carry enough listings to read both with confidence.
| Area | Avg Days to Sell | Months of Unsold Stock | Market |
|---|---|---|---|
| CM18 (Harlow South) | 89 | 2.9 | Seller's market |
| CM17 (Old Harlow, Newhall) | 179 | 5.9 | Seller's market |
| CM20 (Harlow Town Centre) | 234 | 7.7 | Balanced market |
| CM19 (Harlow North) | 304 | 10.0 | Balanced market |
How quickly you can sell rarely makes it into a yield calculation, but in Harlow it splits the core postcodes neatly. CM18's 2.9 months of unsold stock means a home there finds a buyer in roughly a third of the time of one in CM19, which carries ten months of supply. The southern neighbourhood is the same postcode that holds the highest turnover and a strong yield, so the income case and the exit case point the same way in the south of the town.
What Type of Property Can You Buy in Harlow?
The mix of homes swings sharply between Harlow's core postcodes, from terraced-heavy CM18 at 52.6% to detached-led CM17 at 48.6%. What sells well as a let in one postcode would sit empty in another, so the stock breakdown is worth reading before picking a strategy. The percentages below come from 2021 Census records, available here for the four core Harlow postcodes rather than the outer villages.
| Area | Detached | Semi-detached | Terraced | Flats |
|---|---|---|---|---|
| CM17 (Old Harlow, Newhall) | 48.6% | 31.3% | 13.3% | 6.7% |
| CM18 (Harlow South) | 8.8% | 15.3% | 52.6% | 23.1% |
| CM19 (Harlow North) | 33.8% | 15.6% | 22.5% | 21.3% |
| CM20 (Harlow Town Centre) | 21.4% | 20.6% | 27.7% | 30.2% |
| CM16 (Epping) | Not enough data | Not enough data | Not enough data | Not enough data |
| CM21 (Sawbridgeworth) | Not enough data | Not enough data | Not enough data | Not enough data |
| EN11 (Hoddesdon) | Not enough data | Not enough data | Not enough data | Not enough data |
CM18 holds the largest share of terraced houses at 52.6% and a high flat share at 23.1%. That smaller-unit stock is the natural buy-to-let pool, and it lines up with CM18 carrying a strong yield, the highest turnover and the fastest sale in the town. Its terraces let readily to families on local wages, and its flats to single tenants and couples. CM20 holds the most flats of all at 30.2%, the apartment blocks around the town centre and station.
CM17 is the most detached-heavy of the core postcodes at 48.6%, with detached and semi-detached houses together making up nearly 80% of its stock. That weighting towards larger family homes matches Old Harlow's premium prices and its position as one of the lower-yielding parts of the town. CM19 sits between the two, carrying a fairly even spread across all four types. Property-type figures are only available for the four core Harlow postcodes; the village postcodes of Epping, Sawbridgeworth and Hoddesdon are shown as not enough data.
Flat figures combine purpose-built and converted units, and a small share of mobile and temporary dwellings is excluded, so the rows may not total exactly 100%.
Harlow Rental Market Analysis
Monthly rents in Harlow run from £1,250 in CM21 to £2,081 in CM16, with gross rental yields from 3.2% to 5.6% across the seven postcodes. For investors asking is buy-to-let worth it in Harlow, the sections below break down rents, yields and tenant affordability postcode by postcode. If you are weighing how to start a property business in the East of England, Harlow's London-facing demand and confirmed regeneration give it a deeper tenant story than the headline local wage alone would suggest. You can browse current buy-to-let homes for sale across the region.
Average Rent & Gross Rental Yields in Harlow
Gross rental yields in Harlow range from 3.2% in CM21 to 5.6% in CM20. The town-centre postcode pairs the lowest asking price with the best yield, while the premium villages land at the bottom: the familiar pattern where a higher price tag does more for the seller than for the landlord. CM16 charges the highest monthly rent at £2,081 but ranks among the lowest on yield because its £657,520 asking price is more than double CM20's.
| Area | Average Monthly Rent | Asking Price | Gross Yield |
|---|---|---|---|
| CM20 (Harlow Town Centre) | £1,433 | £304,670 | 5.6% |
| CM18 (Harlow South) | £1,406 | £328,095 | 5.1% |
| CM19 (Harlow North) | £1,379 | £370,696 | 4.5% |
| CM17 (Old Harlow, Newhall) | £1,632 | £442,977 | 4.4% |
| CM16 (Epping) | £2,081 | £657,520 | 3.8% |
| EN11 (Hoddesdon) | £1,429 | £452,245 | 3.8% |
| CM21 (Sawbridgeworth) | £1,250 | £462,072 | 3.2% |
CM20 at 5.6% pairs the lowest asking price in the catchment with a £1,433 rent to produce the best return. A 30% deposit of £91,401 gets an investor into the highest-yielding postcode, and the town centre, beside the station and the live Market Square rebuild, is where the income case is strongest.
The tenant base around the town centre is broad. The station and town-centre amenities draw commuters and younger renters, while the surrounding new-town neighbourhoods hold a lot of working households on local wages. CM18 follows closely at 5.1% on a £328,095 entry, so the two affordable Harlow postcodes lead the income table together.
CM21 at 3.2% sits at the bottom of the yield table. Sawbridgeworth's £1,250 rent is the lowest in the catchment, set against a £462,072 price, so the income return is the most compressed of all seven postcodes. The premium villages buy a setting and larger homes rather than a stronger yield.
Gross Rental Yield by Postcode
Is Harlow Rent High?
Monthly rents in Harlow take between 39.1% and 65.1% of the local median gross monthly salary. The commonly cited affordability line is 30% of gross income, and every Harlow postcode sits above it. That reflects a catchment where rents have followed prices up on the back of London demand, while local wages have stayed below both the regional and national medians, so renting takes a larger bite here than in many of the towns in our guides.
The median gross weekly salary in Harlow is £738.10, which works out at £3,198 per month or £38,380 per year. That sits below the East of England median of £785.80 a week and the Great Britain median of £752.40. Data from the Nomis Labour Market Profile (ASHE 2025).
| Rank | Area | Rent as % of Income |
|---|---|---|
| 1 | CM16 (Epping) | 65.1% |
| 2 | CM17 (Old Harlow, Newhall) | 51.0% |
| 3 | CM20 (Harlow Town Centre) | 44.8% |
| 4 | EN11 (Hoddesdon) | 44.7% |
| 5 | CM18 (Harlow South) | 44.0% |
| 6 | CM19 (Harlow North) | 43.1% |
| 7 | CM21 (Sawbridgeworth) | 39.1% |
CM19 at 43.1% is the most affordable of the seven against the local wage, consistent with the northern neighbourhood's moderate rents. Even so, a rent that takes more than four-tenths of the median wage is stretched, and it is part of why many Harlow tenancies lean on dual-income households rather than single earners. Across the core Harlow postcodes the figure clusters in the mid-40s, against a local wage that sits below the regional median.
CM16 at 65.1% is by far the least affordable, with the highest rent in the catchment set against the same local wage base. Tenants paying that level in Epping are typically two-income households or London commuters on City salaries rather than people on the local median. For a landlord, that points to a more selective tenant pool at the premium end of the catchment.
How Big Is Harlow's Private Rented Sector?
The private rented sector is deepest in CM20 at 18.3% of households and shallowest in CM18 at 13.3%, across the four core Harlow postcodes. How much of a postcode's stock is already let privately tells you how big and how proven the local tenant base is, before you commit. Household tenure by postcode is set out below.
| Area | Owned Outright | Owned with Mortgage | Private Rented | Social Rented |
|---|---|---|---|---|
| CM20 (Harlow Town Centre) | 25.7% | 34.8% | 18.3% | 19.4% |
| CM19 (Harlow North) | 34.2% | 29.1% | 16.5% | 19.6% |
| CM17 (Old Harlow, Newhall) | 33.9% | 39.7% | 16.3% | 8.8% |
| CM18 (Harlow South) | 25.3% | 28.7% | 13.3% | 31.6% |
| CM16 (Epping) | Not enough data | Not enough data | Not enough data | Not enough data |
| CM21 (Sawbridgeworth) | Not enough data | Not enough data | Not enough data | Not enough data |
| EN11 (Hoddesdon) | Not enough data | Not enough data | Not enough data | Not enough data |
CM20 has the largest private rented sector in the town centre, with close to a fifth of homes already let privately and the strongest yield of any postcode. A deep rented sector points to an active local lettings market and a wide pool of existing tenants, which adds weight to the income case in the town centre. CM19 and CM17 follow at around 16%, a steady established base in the northern and Old Harlow neighbourhoods.
CM18 has the smallest private rented sector of the core postcodes at 13.3%, alongside by far the highest social-rented share at 31.6%, a reminder that the southern neighbourhood holds much of Harlow's more affordable and council-built housing. Tenure figures are only published for the four core Harlow postcodes; Epping, Sawbridgeworth and Hoddesdon are shown as not enough data. Rental listing volume across the catchment is thin enough that demand-side rental ratings are not reliable here, so the private-rented share is the firmer read on tenant depth.
Local Housing Allowance Rates in Harlow
The four core Harlow postcodes fall within the Harlow & Stortford Broad Rental Market Area, where Local Housing Allowance runs from £103.87 a week for a shared room to £316.44 a week for a four-bedroom home. For a tenant on housing support, Local Housing Allowance caps what the state will pay towards rent, which in practice sets a reliable minimum for a landlord letting to that segment. These rates hold across the Harlow core. For the live figure on any given address, the government's official Local Housing Allowance calculator is the place to check.
| Property Size | Weekly LHA Rate | Monthly Equivalent |
|---|---|---|
| Shared accommodation | £103.87 | £450 |
| 1 bedroom | £186.41 | £808 |
| 2 bedrooms | £235.89 | £1,022 |
| 3 bedrooms | £278.47 | £1,207 |
| 4 bedrooms | £316.44 | £1,371 |
The two-bedroom LHA rate of £235.89 a week works out at roughly £1,022 a month, which sits below the £1,379 to £1,632 open-market rents recorded across the core Harlow postcodes. A benefit-backed tenancy at the LHA rate therefore comes in under the town's market rents, and the stock that fits within these rates is concentrated in CM20 and CM18, where both asking prices and rents are lowest. The rates apply across the Harlow & Stortford market area, so they are the same in every core Harlow postcode.
Buy-to-Let Considerations
Are House Prices High in Harlow? Price-to-Earnings Ratios
Buying in Harlow takes between 7.9 and 17.1 times the median local salary. This is based on the Nomis Labour Market Profile for Harlow showing the median gross annual income for Harlow residents is £38,380.
The national benchmark for price-to-earnings is 7.4x (England's average sold price of £289,946 divided by the Great Britain median annual salary of £39,125). Every Harlow postcode sits above that benchmark, which is what you would expect from a catchment where London-facing demand has pushed prices ahead of local wages.
| Rank | Area | Price-to-Earnings Ratio |
|---|---|---|
| 1 | CM20 (Harlow Town Centre) | 7.9x |
| 2 | CM18 (Harlow South) | 8.5x |
| 3 | CM19 (Harlow North) | 9.7x |
| 4 | CM17 (Old Harlow, Newhall) | 11.5x |
| 5 | EN11 (Hoddesdon) | 11.8x |
| 6 | CM21 (Sawbridgeworth) | 12.0x |
| 7 | CM16 (Epping) | 17.1x |
CM20 at 7.9x is the most affordable entry relative to local earnings, just above the 7.4x national benchmark. The town centre is where local wages and house prices come closest to lining up, which is part of why it carries the best yield and a deep rented sector. CM18 follows at 8.5x, so the two cheapest postcodes are also the two closest to the national affordability line.
CM16 at 17.1x sits furthest above the benchmark. At more than seventeen times the local median wage, the Epping market is firmly London-priced, and buyers there are typically City commuters or those bringing London-weighted incomes rather than people on Harlow wages. For an investor, that elevated ratio compresses the yield and stretches the payback period.
Deposit Requirements in Harlow
A 30% deposit on a buy-to-let property in Harlow runs from £91,401 in CM20 to £197,256 in CM16. The gap between the cheapest and dearest deposit is £105,855. For investors comparing Harlow with the rest of the East of England, the core-postcode deposits sit below Chelmsford and Cambridge, while the village postcodes climb towards those pricier markets.
Beyond the deposit, the stamp duty calculator buy to let and the costs of buy to let add to the total capital required.
| Rank | Area | 30% Deposit Required |
|---|---|---|
| 1 | CM20 (Harlow Town Centre) | £91,401 |
| 2 | CM18 (Harlow South) | £98,429 |
| 3 | CM19 (Harlow North) | £111,209 |
| 4 | CM17 (Old Harlow, Newhall) | £132,893 |
| 5 | EN11 (Hoddesdon) | £135,674 |
| 6 | CM21 (Sawbridgeworth) | £138,622 |
| 7 | CM16 (Epping) | £197,256 |
CM20 is the cheapest way into Harlow at a £91,401 deposit. It is also the postcode that earns its keep best: top yield at 5.6%, a deep private rented sector, and the live town-centre regeneration on its doorstep. The case for the town centre is unusually consistent, because it is the lowest barrier to entry and the strongest on income at the same time.
Stepping up to CM16 costs roughly £105,900 more on the deposit, and that money changes what you are buying rather than just buying more of it. Epping puts you in a forest-edge commuter town with the Central line into the City, but the yield drops to 3.8% and the price-to-earnings ratio more than doubles. The extra deposit goes into the location and the larger homes, not into the income return, which is why the buy-to-let case stays in the Harlow core.
What the Harlow Data Tells Buy-to-Let Investors
In Harlow the cheapest way in is also the best on income. CM20 (Harlow Town Centre) has the top yield at 5.6%, the lowest asking price for buying an investment property at £304,670, the deepest private rented sector at 18.3% and the most affordable price-to-earnings ratio at 7.9x. A 30% deposit there is £91,401, the lowest in the catchment, for a home renting at £1,433 a month beside the station and the live Market Square rebuild.
CM18 (Harlow South) is the close second on income at 5.1%, and it is the most liquid postcode in the town: the highest turnover at 34% and the fastest sale at 89 days, on terraced-heavy stock that suits standard family lets. CM19 (Harlow North) has grown most over five years at 17.8%, closest to the Gilston garden-town expansion, so it leans more towards the capital story. At the other end, the village postcodes of CM16 (Epping), CM21 (Sawbridgeworth) and EN11 (Hoddesdon) carry the highest prices and the lowest yields, from 3.2% to 3.8%, so the premium price does more for the asking figure than for the return. Buyers who want to come in below the open-market price often work the off-market property route.
Harlow as a whole reads as an affordable commuter market with a regeneration story attached: sold prices 9.1% above England but below the East of England, a fast London train, and rents that take more than 40% of the median local wage. The income case lives in the new-town core, around the town centre and the southern neighbourhoods, while the longer-term capital case rests on the confirmed biosecurity campus and the 10,000-home garden town arriving over the next decade. With local wages below the regional median, the affordable Harlow postcodes are where the rental fundamentals stack up most cleanly today.
How Harlow Compares
Harlow's mean asking price of £431,182 sits in the middle of these East of England locations, above Colchester and Basildon but below Stevenage and Chelmsford, while its 5.6% top yield lands mid-table, behind Basildon and Colchester but ahead of Stevenage and Chelmsford. The table sets Harlow against four nearby commuter markets, each with its own investor profile. Mean asking price and mean monthly rent are averaged across every postcode with data in each town; the top gross yield is that town's single best-yielding postcode.
| Location | Mean Asking Price | Mean Monthly Rent | Mean Gross Yield | Top Yield (postcode) |
|---|---|---|---|---|
| Colchester | £367,298 | £1,299 | 4.2% | 5.4% (CO1, CO2) |
| Basildon | £417,382 | £1,501 | 4.3% | 6.1% (SS13, SS14) |
| Harlow | £431,182 | £1,516 | 4.2% | 5.6% (CM20) |
| Stevenage | £459,009 | £1,459 | 3.8% | 4.8% (SG1) |
| Chelmsford | £538,633 | £1,529 | 3.4% | 4.5% (CM9) |
Harlow sits third of the five on price at £431,182, above Colchester and Basildon and below the two pricier markets, while its 5.6% top yield falls in the middle of the group. Basildon at 6.1% leads on top-line yield, helped by cheaper terraced stock and its own fast London line, while Chelmsford at £538,633 is the most expensive and lowest-yielding at 4.5%, the city-status premium at work. Stevenage sits just above Harlow on price with a softer 4.8% yield.
For investors weighing the East of England commuter belt, Harlow offers the regeneration angle: a fast London train, a confirmed government investment story, and a mid-range asking price on a mid-table yield, with the income concentrated in the affordable town-centre postcodes. For a data-driven comparison across all UK locations, see our best buy-to-let areas guide.
Frequently Asked Questions
Is Harlow a good place to invest in buy-to-let?
It works best as an affordable commuter play with a regeneration story rather than a high-yield one. Liverpool Street is around 30 minutes by train, and a confirmed wave of government investment, led by the relocation of the national biosecurity campus, points at a deeper tenant base over the next decade. The catch is that local wages are below both the regional and national medians, around £738.10 a week, while sold prices run 9.1% above England, so rents take a big share of income and yields top out at 5.6% rather than the 7% you would see further north.
The clearest case is in CM20 (Harlow Town Centre), where the cheapest asking price meets the best yield, the deepest rented sector and the live town-centre rebuild. If you want income from the East of England with London-facing demand, that is where the numbers line up.
What are the best areas in Harlow for property investment?
The catchment splits between the affordable new-town core and the premium outer villages. CM20 (Harlow Town Centre) is the cheapest at £304,670 and the highest-yielding at 5.6%, with the deepest private rented sector, so it leans towards income. CM18 (Harlow South) is close behind at 5.1% and is the most liquid postcode, with the highest turnover and the fastest sale, on terraced stock that suits family lets. CM19 (Harlow North) has grown most over five years at 17.8%, closest to the Gilston expansion.
The village postcodes of CM16 (Epping), CM21 (Sawbridgeworth) and EN11 (Hoddesdon) are the premium end, with the highest prices and the lowest yields from 3.2% to 3.8%. So if income matters most, the town-centre and southern postcodes lead on yield and liquidity; the villages are a capital-and-location play.
What are average house prices in Harlow?
On the Land Registry index the average sold price across Harlow is £316,293, about 9.1% above the England average of £289,946 as of March 2026, though below the wider East of England average of £337,182. Asking prices by postcode run from £304,670 in CM20 (Harlow Town Centre) up to £657,520 in CM16 (Epping), with a catchment-wide mean of £431,182. By type, detached homes average £627,344, semi-detached £432,866, terraced £317,886 and flats £181,868.
Through a buy-to-let lens, CM20 is the cheapest entry and the highest-yielding at 5.6%, while the village postcodes are the dearest and lowest-yielding.
Why are Harlow house prices above the England average?
It comes down to location rather than local wages. Harlow sits about 25 miles from central London on the West Anglia Main Line, with Liverpool Street around 30 minutes away, so it draws commuters who would pay more in London or in inner Essex. That demand pulls prices up: the town sells at 9.1% above England, with the premium heaviest on the semi-detached and detached family homes the new town built in volume.
The premium is to England, not to the region. Against the East of England average of £337,182, Harlow is actually cheaper, which is part of why it keeps attracting buyers priced out of the towns nearer London, and why the regeneration investment matters for the forward picture.
What type of property is most common in Harlow?
It varies sharply by postcode, a legacy of Harlow being built as a planned new town. CM18 (Harlow South) is terraced-heavy at 52.6%, while CM17 (Old Harlow, Newhall) is detached-led at 48.6%. The smaller homes that usually suit buy-to-let, terraces and flats, are most concentrated in the southern and town-centre postcodes: CM20 carries the highest flat share at 30.2%, and CM18 the highest terraced share. The detailed property-type breakdown is published for the four core Harlow postcodes; the outer villages of Epping, Sawbridgeworth and Hoddesdon are not separately broken out.
What are the Local Housing Allowance rates in Harlow?
The core Harlow postcodes fall in the Harlow & Stortford Broad Rental Market Area, so they share one set of rates. As of June 2026, Local Housing Allowance runs at £103.87 a week for a shared room, £186.41 for a one-bed, £235.89 for two beds, £278.47 for three and £316.44 for four. That figure is the most a tenant on housing support can claim towards rent, so for that part of the market it sets an effective floor. The two-bed rate of about £1,022 a month sits below the town's open-market rents.
Can I find buy-to-let property under £350,000 in Harlow?
On average, mainly in the core Harlow postcodes: CM20 (Harlow Town Centre) at £304,670, CM18 (Harlow South) at £328,095 and CM19 (Harlow North) at £370,696 all sit at or near that level, while the outer villages average well above it. By property type, flats across Harlow average £181,868 on the Land Registry index and terraced houses £317,886, so the smaller-unit stock, especially in CM20 and CM18, is where the sub-£350,000 entry points sit. For options below open-market prices, it is worth looking at below market value property.
How do I buy an investment property in Harlow?
Decide first whether you are buying for income or for the regeneration-led capital story, because that points you at a different postcode. CM20 (Harlow Town Centre) is the cheapest entry at £304,670 and the highest-yielding at 5.6%, while CM19 (Harlow North) has grown fastest over five years next to the garden-town expansion. The premium villages carry the lowest yields, where the case rests more on the setting. At 30% down you need between £91,401 and £197,256 depending on the postcode.
Beyond what is listed openly, experienced investors often buy below asking through off-market channels. To see what is available now, browse investment properties in Harlow or buy-to-let property for sale.
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