MK45 3 house prices

MK45 3 house prices are built from 3,894 sales lodged with HM Land Registry, the oldest in 1995 and the most recent on 19 Jun 2026. The median price paid across the whole record is £260,000. Across the 10 years from 2016 to 2026 the median moved +28.3% in cash — but once inflation is taken out, the change in 2026 money is -8.1%.

HM Land Registry3,894 sales53 with floor areaLatest sale 19 Jun 2026

The chart tracks the median MK45 3 house price for every year with a recorded sale, from 1995 to 2026. The dashed line restates each year in 2026 money, so the two lines separate exactly as much as inflation has eroded the cash figure.

The highest yearly median on record for MK45 3 is £400,000 in 2025; the lowest is £65,000 in 1997. Across the full 32-year record the cash median has moved from £71,000 to £378,500.

In 2026 money that first median is worth £157,654, so the real change over the whole record is +140.1% — about +2.87% a year after inflation. Cash growth and real growth are not the same story, and the gap is the part most price reports leave out.

Over the last decade alone the difference is stark: +28.3% in cash against -8.1% once inflation is removed. A buyer who sold at the end of that decade would have needed the real figure, not the headline one, to know whether they had actually gained.

Every row is a completed sale as lodged with HM Land Registry. The right-hand column restates the price in 2026 money, which is the only fair way to compare a sale from the 1990s with one from last year.

These addresses appear in the register more than once, so the same bricks are being priced twice. That makes them the strongest evidence of what actually happened to MK45 3 values — no mix of property types can flatter the number.

The mix of property types explains a large part of any area's median. MK45 3 is dominated by the type at the top of this table, so its overall median leans that way.

Energy Performance Certificates record a floor area for every home that has been surveyed, sold or let — far more homes than have changed hands. 1,367 certificates cover MK45 3, and their median floor area is 86 m².

The median across the whole register is 76 m², so homes here are larger than average — +13.2%. Size explains a large part of why one area's median price sits above another's, which is why the price per square metre further up this page is the fairer comparison.

98 of the sales on record are leasehold and 3,796 freehold — 2.5% of the market. Tenure is not a detail: a leasehold flat and a freehold house are different assets, and mixing them into one median hides the difference.

The median leasehold sale is £137,500 and the median freehold sale £267,500 — a gap of +94.5%. Most of that gap is property type rather than tenure itself: leasehold here is largely flats, freehold largely houses.

New builds sold for more than the median existing home — +56.8%. A new-build premium is normal: the buyer gets a warranty and nothing to fix, and the price is set by a developer rather than negotiated between two households.

A further 199 transfers for this area are on the register but are left out of every figure above. HM Land Registry marks them as additional price paid entries: repossessions, buy-to-let portfolio moves, transfers between companies or family, and sales at a discount such as right to buy. They are real records but they are not open-market prices, and including them would drag the median somewhere no buyer ever paid.

Every certificate carries an energy efficiency band as well as a floor area. Across Bedford, 53.4% of 89,810 certificates sit in bands A to C, and 3.7% in F or G — the bands that cost the most to heat and are hardest to mortgage.

The Office for National Statistics puts the mean private rent in Bedford at £1,169 a month as of Jun 2026 — £797 for a one-bedroom home and £1,255 for three bedrooms.

Against the median sale of £260,000 here, that rent is a gross yield of 5.40% a year. It is a measured figure rather than an assumption: a real local rent over a real local price, before any cost of ownership.

Police forces publish every recorded street-level crime. Within a mile of the centre of MK45, 19 crimes were recorded in Jun 2026: 11 violent, 1 burglary, 0 vehicle-related and 4 anti-social behaviour. The median postcode district in this archive recorded 167 in the same month, so this one is 8.8 times quieter.

Against the 185,225 residents the 2021 census counted in Bedford, that is 0.10 recorded crimes per thousand people in the month. The count covers a mile around the district centre while the population covers the whole council, so read the rate as an order of magnitude rather than a precise figure.

A count is not a rate. A district with shops and a station records more crime than a residential one of the same size, because more people pass through it. Read this next to the median, not on its own.

The 2021 census counted 185,225 residents in Bedford across 74,949 households. 64.6% of those households own their home and 35.4% rent — a split the sold record cannot show, because only owners appear in it.

21 state and independent schools have a MK45 postcode: 17 primary, 3 middle deemed secondary, 1 secondary. Catchment areas do not follow postcodes, so treat this as what is nearby rather than what a child would be offered.

The median across the whole archive is £157,500. MK45 3 sits above that national figure — +65.1%.

Where an EPC floor area could be matched to the sale, the median works out at £3,808 per square metre, across 53 of the 3,894 sales on record. Price per square metre is the only figure that compares a two-bed flat with a four-bed house honestly.

The full range on record runs from £5,000 to £1,550,000. Extremes usually mean something unusual — a plot sold without a house on it, a transfer between family members, or a very large property — so the median is the number to trust.

MK45 3 sits in Bedford, in the East of England.

The Office for National Statistics puts the median home in Bedford at 9.1 times median local earnings of £37,994 a year, measured to Sep 2025. Across England and Wales the same ratio is 7.6. That number, not the price alone, is what decides whether a place is within reach of the people who work in it.

Other sectors in MK45

• MK45 1£174,995 median
• MK45 2£234,500 median
• MK45 4£230,000 median
• MK45 5£250,000 median

The wider district is MK45.

What is the average house price in MK45 3?

The median price paid in MK45 3 across every sale on the register is £260,000. The median is used rather than the mean because a handful of very large sales would otherwise drag the average away from what a typical buyer paid.

How many homes have sold in MK45 3?

3,894 sales are on record for MK45 3, the most recent completing on 19 Jun 2026. Every one is a completed transfer lodged with HM Land Registry, not an asking price or an estimate.

Have MK45 3 house prices actually risen?

In cash, the median rose +28.3% between 2016 and 2026. In 2026 money — that is, after inflation — the change is -8.1%. Both numbers are true; only the second one tells you whether buying here preserved value.

When were MK45 3 house prices at their highest?

The highest yearly median on record is £400,000, set in 2025. That is the cash figure; measured in 2026 money the peak may fall in a different year, because inflation reshapes the series.

What is the price per square metre in MK45 3?

£3,808 per square metre, from the 53 sales where an EPC floor area could be matched to the address. Price per square metre strips out size, so a flat and a house can be compared on the same basis.

How current is this data?

The latest sale shown here completed on 19 Jun 2026. HM Land Registry publishes Price Paid Data monthly and a sale can take a month or two to appear after completion, so the most recent weeks are always incomplete.

Cite this page: Sold Price History, “MK45 3 house prices”, 2026. Source: HM Land Registry Price Paid Data © Crown copyright and database right, used under the Open Government Licence v3.0. Inflation adjustment: ONS CPIH.