Mortgage figures for Scotland, from the Financial Conduct Authority and the ONS.
£198,397
Average house price Aug 2026
The average house price in Scotland was £198,397 in August 2026.
Source: UK House Price Index: monthly price statistics, worksheet 2 (average price, countries and regions), Office for National Statistics, August 2026
UK House Price Index, all property types, not seasonally adjusted. August values for each year are taken from the October 2026 edition, so earlier years show revised figures. Northern Ireland is quarterly and is not shown as a monthly series here. Marked [p] (provisional) by the publisher.
26%
Adults with a residential mortgage
In 2024, 26 per cent of adults in Scotland had a residential mortgage on the property they lived in.
Source: Financial Lives 2024 survey: Annex A (Product holdings), Financial Conduct Authority, 2024
Survey estimate, base all UK adults; fieldwork 5 February to 16 June 2024; unweighted base 1640
13%
Mortgage debt four times income
In 2024, 13 per cent of adults in Scotland with a residential or lifetime mortgage had mortgage debt of at least four times their annual household income.
Source: Financial Lives 2024 survey: Mortgages (slide-based report), Financial Conduct Authority, 2024
Survey estimate, base UK adults with a residential or lifetime mortgage, excluding don't know and prefer not to say; fieldwork 5 February to 16 June 2024
79.74%
Median loan-to-value ratio
The median loan-to-value ratio on new regulated mortgage sales in Scotland was 79.74 per cent in the fourth quarter of 2025.
Source: Mortgages Product Sales Data (PSD) quarterly 2025 tables, Financial Conduct Authority, Q4 2025
New regulated mortgage sales by postcode region; excludes internal product transfers, further advances and second charge.
2.9%
House price annual change
The annual change in the average house price in Scotland was 2.9% in August 2026.
Source: UK House Price Index: monthly price statistics, worksheet 3 (annual percentage change, countries and regions), Office for National Statistics, August 2026
UK House Price Index, all property types, not seasonally adjusted. Percentage change over the 12 months to August 2026, as published to one decimal place. Marked [p] (provisional) by the publisher.
£151,742
Median loan amount Q4 2025
The median loan amount on new regulated mortgage sales in Scotland was £151,741.5 in the fourth quarter of 2025.
Source: Mortgages Product Sales Data (PSD) quarterly 2025 tables, Financial Conduct Authority, Q4 2025
New regulated mortgage sales by postcode region; excludes internal product transfers, further advances and second charge.
£131,777
Median loan amount Q4 2021
The median loan amount on new regulated mortgage sales in Scotland was £131,776.5 in the fourth quarter of 2021.
Source: Mortgages Product Sales Data (PSD) quarterly 2025 tables, Financial Conduct Authority, Q4 2021
New regulated mortgage sales by postcode region; excludes internal product transfers, further advances and second charge.
£183,378
Average house price Aug 2022
The average house price in Scotland was £183,378 in August 2022.
Source: UK House Price Index: monthly price statistics, worksheet 2 (average price, countries and regions), Office for National Statistics, August 2022
UK House Price Index, all property types, not seasonally adjusted. August values for each year are taken from the October 2026 edition, so earlier years show revised figures. Northern Ireland is quarterly and is not shown as a monthly series here.
£148,383
Average house price Aug 2019
The average house price in Scotland was £148,383 in August 2019.
Source: UK House Price Index: monthly price statistics, worksheet 2 (average price, countries and regions), Office for National Statistics, August 2019
UK House Price Index, all property types, not seasonally adjusted. August values for each year are taken from the October 2026 edition, so earlier years show revised figures. Northern Ireland is quarterly and is not shown as a monthly series here.
Frequently asked questions
What was the average house price in Scotland in August 2026?
The average house price in Scotland was £198,397 in August 2026.
What share of adults in Scotland had a residential mortgage in 2024?
In 2024, 26 per cent of adults in Scotland had a residential mortgage on the property they lived in.
What share of mortgage holders in Scotland had mortgage debt of at least four times their income in 2024?
In 2024, 13 per cent of adults in Scotland with a residential or lifetime mortgage had mortgage debt of at least four times their annual household income.