Bath vs St Andrews for Property Investment
St Andrews leads on gross yield at 4%, while St Andrews has the lower entry price at £395,000. Here is how the two markets compare on yield, price, deposit and tenant demand.
Bath vs St Andrews at a glance
| Metric | Bath | St Andrews |
|---|---|---|
| Average gross yield | 3.8% | 4% |
| Average property price | £485,000 | £395,000 |
| Implied monthly rent | £1,536 | £1,317 |
| 25% deposit | £121,250 | £98,750 |
| Stamp duty (additional property) | £36,000 | £27,000 |
| Population | 95,000 | 20,000 |
| Region | South West | Scotland |
| Investor rating | Average | Average |
Bath
The market skews towards period houses, detached family homes and premium new-build apartments, so entry prices sit well above the national average. Tenant demand is underpinned by local employment in services, healthcare and logistics, supported by a population of around 95,000. On the average £485,000 purchase, a 3.8% gross yield implies roughly £1,536 per calendar month in rent — a useful sanity check when you are reviewing a listing. World Heritage city with premium but constrained market.
- Consider carefullyStandard buy-to-let
- Consider carefullyHMO / rent by the room
- Consider carefullyFirst-time landlord
St Andrews
The market skews towards period houses, detached family homes and premium new-build apartments, so entry prices sit well above the national average. Tenant demand is underpinned by a large student population, local employment in services, healthcare and logistics, supported by a population of around 20,000. On the average £395,000 purchase, a 4.0% gross yield implies roughly £1,317 per calendar month in rent — a useful sanity check when you are reviewing a listing. University and golf town with premium market.
- Consider carefullyStandard buy-to-let
- Strong fitHMO / rent by the room
- Consider carefullyFirst-time landlord
Which is the better investment?
If monthly cash flow is your priority, St Andrews is the stronger option on paper at 4% gross. If you want the lower capital commitment, St Andrews needs around £98,750 as a 25% deposit. Averages only take you so far, though — run the actual listing through PropertyROI before you offer.
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