Where did home values fluctuate the most in 2025?

According to research, property prices in some parts of the UK have increased by up to 126% annually, while in others, values have decreased by up to 89%

The UK's top ten areas for house price growth in 2025 have been identified, along with the places where prices dropped by up to 8.9%.

According to Lloyds Bank, between October 2024 and October 2025, Plymouth was the UK's housing hotspot with the highest increase in property values.

In Devon's major port city, the average home value increased by 12.6 percent, or 31,229, from 247,579 to 278,808.

Next was Stafford in the West Midlands, where the average house price increased by 12% (34,516) from 286,732 to 321,248.

Wigan came in third, and the average property price in the North West towns increased from 225,822 to 249,562, a 10.5 percent (23,740) increase.

According to Lloyds, middle or northern England and Scotland accounted for eight of the top ten places where house prices increased the most in the year ending in October 2025.

Woking, in the South East, saw an average growth of 8.1 percent (42,046) over the previous year, with most home prices rising only slightly or falling.

On a calm evening, the large sailing ship Kaselot is relaxing in Plymouth and Barbican.

According to Lloyds, Plymouth's home prices increased by 12.6% in the year ending in October.

In which parts of the UK did home prices increase, and where did they decrease?

According to Lloyds, London was the only area in the UK where average house prices decreased in the 12 months leading up to October, despite some towns and cities experiencing a decline.

From 574,855 to 574,514, the average property price in the capital decreased by 0.1 percent (341).

In South East England, average home values increased from 449,454 to 452,961 (3,507), a mere 0.8 percent increase. The North East saw a pitiful 0.8 percent increase in property prices (1,787).

The largest increases in property prices were seen in Northern Ireland, Scotland, and the North West, with increases of 5.8 percent (13,255), 3.7 percent (9,302), and 3.7 percent (9,933).

According to Lloyds, London had the highest average regional home values at the end of October 2025, followed by the South East and the East of England.

In the UK, 365,110 was the average price of a property.

According to Mary-Lou Press, president of Propertymark, a trade association for real estate brokers, lower inflation and declining mortgage rates could result in an increase in home prices throughout the United Kingdom by 2026.

Press stated, "Many people will typically be around 150 better off per month when compared to only 12 months ago, even though no two mortgage agreements are the same."

Press added that the government's goal of constructing 1.5 million homes throughout England by 2029 would be aided by the introduction of the Planning and Infrastructure Act, which was given Royal Assent on December 18.