Property trends for CA13

    CA13 covers the western Lake District area, including Whitehaven and surrounding communities in the heart of Cumbria's coastal region. It is characterised by a mix of historic industrial heritage and natural landscape appeal, serving as a base for those seeking rural and coastal living with access to outdoor recreation.

    At a Glance

    Average Property Price - CA13

    £276,012

    35

    National percentile

    Average Monthly Rent - CA

    £661

    3

    National percentile

    Average Net Household Income - CA13

    £35,830

    36

    National percentile

    Flat / Maisonette Yield - CA

    5.3%

    34

    National percentile

    10-Year Annualised Price Growth - CA13

    2.7%

    21

    National percentile

    10-Year Annualised Rent Growth - CA

    3.1%

    8

    National percentile

    Property Price & Volume Trends

    The average property price in CA13 is £276,000, placing it well below the national average and among the most affordable areas in the UK. Over the past decade, prices have grown at 2.7% annually—significantly slower than the national trend. Transaction activity has softened recently, with 240 sales in the latest year compared to a 10-year average of 298, suggesting a tighter market.

    Rent & Yield Trends

    Average monthly rent across the broader CA postcode area stands at £661, among the lowest in the nation. Rental growth has been modest at 3.1% annually over ten years, below the national pace. The current flat yield of 5.3% is notably above its 10-year average of 4.5%, reflecting improved returns for buy-to-let investors despite the modest rental levels.

    Income & Affordability Trends

    Average net household income is £35,830, slightly below the national median. The price-to-income ratio of 7.5x has widened since 2016 (when it stood at 6.8x), indicating that property affordability has deteriorated—homes now require a larger income multiple to purchase. The rent-to-income ratio of 20.5% has also risen from 19.5% in 2016, showing rental costs have outpaced wage growth.

    Resident Demographic Profile

    The population skews markedly older than national norms, with over a quarter aged 65 or above compared to the UK average of 19.6%, and just 7.3% aged 16–24 versus 11.0% nationally. Housing is dominated by outright ownership at 47.3%, nearly 14 percentage points above the national figure, while private renting accounts for only 12.9% of households. The workforce is weighted towards professionals (25.4%) and trades workers (13.8%), with notably fewer in elementary roles (7.7% against a national 10.2%).

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