Top UK regions with fastest rising house prices

Rising Property Values in UK Hotspots

Lloyds Bank has identified its 'housing hotspots' for 2025, highlighting areas where property values have experienced significant growth. Among the regions analyzed, Plymouth has emerged as the top performer, with home prices rising by an average of 12.6% compared to the previous year. This sharp increase reflects a strong demand for housing in the area.

The analysis by Lloyds is based on its mortgage data, which also shows that Stafford and Wigan are close contenders, with property values increasing by 12.0% and 10.5%, respectively. These figures indicate a robust market in these locations, driven by factors such as economic activity and infrastructure development.

Rounding out the top 10 hotspots are Wakefield, Mansfield, Woking, Liverpool, Rugby, Falkirk, and Hull. Each of these areas has demonstrated notable growth in property values, making them attractive options for potential buyers.

Amanda Bryden, head of mortgages at Lloyds, emphasized the importance of considering more than just property prices when choosing a place to live. She stated:

"Our customers' dream homes are found in pockets around the UK and we've supported thousands of people to take their next home-buying step this year. While property prices play a role, choosing where to live is also about finding a place that feels right, a community you connect with, a commute that works for you, and a lifestyle that fits you."

Regional Variations in Property Values

While several areas have seen significant increases in property values, others have experienced declines or slower growth. The South East region has been particularly affected, with some areas recording substantial drops. Crawley and High Wycombe saw the steepest falls, with property values declining by 8.9% and 7.4%, respectively. Chester also recorded a 6.4% decline in average property values.

Despite these declines, the North West of England overall enjoyed a 3.7% increase in home values, according to the report. However, Lloyds has noted a 5.2% drop in average property prices in Cardiff, even though Wales as a whole saw home values climb by 2.3%.

Ms. Bryden advised those considering a move to research local markets thoroughly. She said:

"If you've got your heart set on a particular location, it's worth taking time out to do some research and see what's happening with prices there, as swings in value at a local level can make a big difference to how much you may need for a deposit, stamp duty or wider moving costs. If you're open to exploring, you might find places where your money goes further. Northern regions and Scotland are still generally more affordable than the south of England, with a huge amount to offer in terms of culture and history, alongside some of the most beautiful parts of the UK countryside."

Methodology and Broader Trends

For its study, Lloyds examined the 12-month period ending October 2025 compared with the year to October 2024. Only areas where Lloyds Banking Group completed at least 150 mortgage offers were included, with buy-to-let and shared ownership properties excluded from the findings.

Looking at the broader picture, Lloyds reports that most regions across the UK saw property values rise throughout 2025. Northern Ireland topped the charts with a robust 5.8% increase, while London bucked the trend with a marginal 0.1% decline in average property values.

Top 10 Areas with Largest Percentage Rises in Property Values

Below are the top 10 areas showing the largest percentage rises in typical house values according to Lloyds data, featuring the mean property price in 2025, monetary growth, and percentage growth from the prior year:

1. Plymouth – £278,808, £31,229, 12.6%
2. Stafford – £321,248, £34,516, 12.0%
3. Wigan – £249,562, £23,740, 10.5%
   =4. Wakefield – £286,268, £22,887, 8.7%
   =4. Mansfield – £243,251, £19,444, 8.7%
4. Woking – £560,499, £42,046, 8.1%
5. Liverpool – £254,550, £17,686, 7.5%
6. Rugby – £374,653, £25,450, 7.3%
7. Falkirk – £238,512, £15,794, 7.1%
8. Hull – £199,348, £12,206, 6.5%

Top 10 Areas with Biggest Percentage Falls in Property Values

Here are the top 10 areas with the biggest percentage falls in average home values recorded by Lloyds, with the average home value in 2025 and the cash and percentage change compared with the previous year:

1. Crawley – £372,202, minus £36,317, minus 8.9%
2. High Wycombe – £436,379, minus £34,994, minus 7.4%
3. Chester – £340,415, minus £23,114, minus 6.4%
4. Solihull – £390,292, minus £25,976, minus 6.2%
5. Worcester – £331,977, minus £21,724, minus 6.1%
6. Cardiff – £310,577, minus £17,079, minus 5.2%
7. Cheltenham – £411,593, minus £21,616, minus 5.0%
8. Brighton – £404,874, minus £20,254, minus 4.8%
   =9. Barnsley – £215,552, minus £10,624, minus 4.7%
   =9. Stockport – £330,654, minus £16,289, minus 4.7%