As of June 2026, a realistic apartment budget in Cambridge is about £310,000 on average, or roughly $412,000 and €360,000, but the number changes a lot between King’s Hedges, Arbury, Abbey, CB1, Riverside and Newnham.
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Cambridge is expensive for a UK city because demand comes from the University of Cambridge, science jobs, tech jobs, hospital workers and London commuters.
The important point is simple: apartment prices in Cambridge in 2026 are lower than house prices, but leasehold costs, service charges and tax can change the real budget very quickly.
And if you’re planning to buy a property in Cambridge, you may want to download our pack covering the real estate market in Cambridge.
Insights
- The average Cambridge apartment in 2026 is much cheaper than the average Cambridge home, because the official £472,000 ONS figure includes houses, not only flats.
- A foreign buyer looking at a £320,000 Cambridge apartment should often think in terms of £55,000 to £95,000 cash before the mortgage, once tax and buying costs are included.
- King’s Hedges, Arbury, Abbey, East Chesterton and Cherry Hinton are the clearest entry points for apartment buyers who want Cambridge but cannot pay central prices.
- CB1 and the station area are expensive, but tenant demand is unusually deep because Cambridge station connects buyers and renters to London, tech jobs and the city centre.
- New-build apartments in Cambridge often look easier to buy, but the service charge can make the monthly ownership cost much heavier than the price alone suggests.
- Trumpington is one of the most practical Cambridge apartment markets because it combines modern flats with access to Addenbrooke’s and the Cambridge Biomedical Campus.
- For a foreign buyer, SDLT is often the biggest closing cost in Cambridge, especially if the purchase is treated as a second home or buy-to-let investment.
- Cambridge apartment prices per square metre can almost double between budget north-east areas and prime Newnham or Riverside apartments.
- In Cambridge, a short lease or a very high service charge can matter more than saving £10,000 on the purchase price.
How much do apartments really cost in Cambridge in 2026?
What's the average and median apartment price in Cambridge in 2026?
As of June 2026, the estimated average apartment price in Cambridge is about £310,000, or about $412,000 and €360,000, while the median Cambridge apartment price is closer to £285,000, or about $379,000 and €331,000.
That means the typical apartment price in Cambridge in 2026 is about £5,100 to £5,600 per square metre, or about $6,800 to $7,450 and €5,900 to €6,500 per square metre, which is roughly £475 to £520 per square foot, or about $630 to $690 and €550 to €600 per square foot.
For most standard Cambridge apartments in 2026, a realistic purchase range is about £230,000 to £430,000, or about $306,000 to $572,000 and €267,000 to €499,000, with small outer-city flats at the lower end and good two-bedroom flats near the station or river at the upper end.
How much is a studio apartment in Cambridge in 2026?
As of June 2026, a typical studio apartment in Cambridge costs about £210,000, or about $279,000 and €244,000, if the flat is small, leasehold and not in the most expensive central streets.
More realistically, entry-level to mid-range Cambridge studios sit around £180,000 to £240,000, or about $239,000 to $319,000 and €209,000 to €278,000, while a high-end studio near the station, Riverside, Petersfield or the city centre can reach £250,000 to £325,000, or about $333,000 to $432,000 and €290,000 to €377,000.
Most studio apartments in Cambridge are compact, so a practical size assumption is about 28 to 38 square metres, with older converted flats often smaller and newer blocks sometimes offering a little more usable space.
How much is a one-bedroom apartment in Cambridge in 2026?
As of June 2026, a typical one-bedroom apartment in Cambridge costs about £270,000, or about $359,000 and €313,000, although a central one-bedroom flat can cost much more.
Entry-level to mid-range one-bedroom apartments in Cambridge usually cost £235,000 to £330,000, or about $313,000 to $439,000 and €273,000 to €383,000, while high-end one-bedroom flats in CB1, Petersfield, Riverside, Newnham or the city centre often sit around £350,000 to £425,000, or about $466,000 to $565,000 and €406,000 to €493,000.
A normal one-bedroom apartment in Cambridge is often about 42 to 55 square metres, with older conversions sometimes tighter and modern station-area flats often closer to the upper part of that range.
How much is a two-bedroom apartment in Cambridge in 2026?
As of June 2026, a typical two-bedroom apartment in Cambridge costs about £360,000, or about $479,000 and €418,000, which makes two-bed flats the main budget benchmark for many buyers.
Entry-level to mid-range two-bedroom apartments in Cambridge usually cost £310,000 to £430,000, or about $412,000 to $572,000 and €360,000 to €499,000, while high-end two-bedroom flats in Riverside, Newnham, CB1, Petersfield or premium new blocks can cost £475,000 to £650,000, or about $632,000 to $865,000 and €551,000 to €754,000.
By the way, you will find much more detailed price ranges for apartments in our property pack covering the property market in Cambridge.
How much is a three-bedroom apartment in Cambridge in 2026?
As of June 2026, a typical three-bedroom apartment in Cambridge costs about £490,000, or about $652,000 and €568,000, because larger flats are less common and often compete with small houses.
Entry-level to mid-range three-bedroom apartments in Cambridge usually cost £420,000 to £600,000, or about $559,000 to $798,000 and €487,000 to €696,000, while high-end three-bedroom flats in Newnham, Riverside, central CB2, De Freville or premium station-area blocks can move from £650,000 to more than £850,000, or about $865,000 to $1,131,000 and €754,000 to €986,000.
A typical three-bedroom apartment in Cambridge is about 75 to 100 square metres, but the exact size depends heavily on whether the property is a converted period flat, a maisonette or a modern purpose-built apartment.
What's the price gap between new and resale apartments in Cambridge in 2026?
As of June 2026, new-build apartments in Cambridge usually cost about 8% to 15% more than comparable resale apartments, mainly because newer blocks often offer lifts, better energy ratings, balconies and managed communal areas.
For new-build apartments in Cambridge, a sensible average is about £5,700 to £6,300 per square metre, or about $7,600 to $8,400 and €6,600 to €7,300 per square metre, although prime schemes can go above that.
For resale apartments in Cambridge, a sensible average is about £4,900 to £5,500 per square metre, or about $6,500 to $7,300 and €5,700 to €6,400 per square metre, with older outer-city flats clearly below central resale flats.
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Can I afford to buy in Cambridge in 2026?
What's the typical total budget (all-in) to buy an apartment in Cambridge in 2026?
As of June 2026, a foreign individual buying a standard Cambridge apartment should often plan for an all-in budget of about £350,000 to £390,000, or about $466,000 to $519,000 and €406,000 to €452,000, before allowing for personal furnishing choices or exchange-rate changes.
This all-in budget normally includes the apartment price, Stamp Duty Land Tax, the non-UK resident surcharge if it applies, legal fees, searches, survey costs, mortgage fees, Land Registry fees, foreign-exchange costs and a small moving or furnishing allowance.
We go deeper and try to understand what costs can be avoided or minimized (and how) in our Cambridge property pack.
What down payment is typical to buy in Cambridge in 2026?
As of June 2026, a typical down payment for a Cambridge apartment is about 20% to 25% for many UK buyers, which means around £62,000 to £78,000, or about $82,000 to $104,000 and €72,000 to €90,000, on a £310,000 apartment.
Most lenders in England often want at least 10% to 15% down from strong borrowers, but foreign buyers should usually assume that 25% to 40% down is more realistic in Cambridge.
For better mortgage terms in Cambridge, a safer target is 25% to 30% down, because high local prices, UK affordability tests and foreign-income checks can make smaller deposits harder to finance.
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Which neighborhoods are cheapest or priciest in Cambridge in 2026?
How much does the price per m² for apartments vary by neighborhood in Cambridge in 2026?
As of June 2026, apartment prices in Cambridge range from about £3,800 to £8,000 per square metre, or about $5,100 to $10,600 and €4,400 to €9,300 per square metre, depending on the neighbourhood and building.
The most affordable Cambridge apartment areas are usually King’s Hedges, Arbury, Abbey, East Chesterton and Cherry Hinton, where practical prices often sit around £3,800 to £5,100 per square metre, or about $5,100 to $6,800 and €4,400 to €5,900 per square metre.
The most expensive Cambridge apartment areas are usually Newnham, Riverside, De Freville, Petersfield, central CB2 and the best CB1 station blocks, where prices often sit around £6,000 to £8,000 per square metre, or about $8,000 to $10,600 and €7,000 to €9,300 per square metre.
What neighborhoods are best for first-time buyers on a budget in Cambridge in 2026?
As of June 2026, the top three Cambridge neighbourhoods for first-time buyers on a budget are King’s Hedges, Arbury and Abbey, with East Chesterton and Cherry Hinton also worth checking.
In these budget-friendly Cambridge neighbourhoods, a realistic apartment price range is about £180,000 to £330,000, or about $239,000 to $439,000 and €209,000 to €383,000, depending on size, lease length and condition.
King’s Hedges, Arbury and Abbey offer lower entry prices, everyday shops, bus links and access to north and east Cambridge job areas, while still keeping buyers inside the Cambridge market.
The main trade-off is that these budget Cambridge neighbourhoods usually have less prestige, fewer premium apartment blocks and weaker resale appeal than Newnham, Riverside, Petersfield or CB1.
Which neighborhoods have the fastest-rising apartment prices in Cambridge in 2026?
As of June 2026, the most interesting Cambridge neighbourhoods for apartment-price momentum are Trumpington, East Chesterton and CB1, with Romsey and Abbey also showing useful catch-up potential.
For these faster-moving Cambridge areas, a reasonable 2026 year-on-year estimate is about 1% to 4% growth in the better micro-locations, even though the wider Cambridge flat market has been softer than houses.
The main drivers are simple: Trumpington benefits from Addenbrooke’s and the Cambridge Biomedical Campus, East Chesterton benefits from Cambridge North and the Science Park, and CB1 benefits from the train station and deep renter demand.
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What extra costs will I pay on top of the apartment price in Cambridge in 2026?
What are all the buyer closing costs when you buy an apartment in Cambridge?
For a typical Cambridge apartment purchase in 2026, buyer closing costs are often about £13,000 to £30,000 for a non-UK resident owner-occupier, or about $17,000 to $40,000 and €15,000 to €35,000, before any second-home surcharge.
The main Cambridge apartment closing costs are SDLT, the non-UK resident surcharge if relevant, solicitor fees, property searches, Land Registry fees, survey fees, mortgage fees, bank-transfer costs and currency-exchange costs.
The largest closing cost for most foreign buyers in Cambridge is usually Stamp Duty Land Tax, especially if the buyer also pays the additional-property surcharge.
Legal fees, survey fees, mortgage fees and currency costs can vary between transactions, but SDLT is rule-based, so the tax saving usually depends on the buyer’s status and purchase structure.
On average, how much are buyer closing costs as a percentage of the purchase price for an apartment in Cambridge?
For a standard Cambridge apartment, buyers should usually budget closing costs at about 4% to 6% of the purchase price if they are non-UK resident owner-occupiers.
The realistic low-to-high range is about 2% to 10% of the purchase price, with UK first-time buyers near the low end and foreign second-home or buy-to-let buyers near the high end.
We actually cover all these costs and strategies to minimize them in our pack about the real estate market in Cambridge.
This is why a £320,000 Cambridge apartment can feel affordable on the listing page but require a much larger cash buffer at completion.
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What are the ongoing monthly and yearly costs of an apartment in Cambridge in 2026?
What are typical HOA fees in Cambridge right now?
In Cambridge, buyers normally do not call this an HOA fee, because the usual England term is leasehold service charge.
For Cambridge apartments in 2026, a typical service charge is about £100 to £300 per month, or about $133 to $399 and €116 to €348, but expensive newer blocks with lifts, parking, concierge or large communal areas can be much higher.
A realistic annual range is about £1,200 to £6,000, or about $1,600 to $8,000 and €1,400 to €7,000, with older basic blocks near the bottom and premium CB1, Riverside or Trumpington blocks often nearer the top.
What utilities should I budget monthly in Cambridge right now?
For a typical one- or two-bedroom apartment in Cambridge in June 2026, a practical utility budget is about £140 to £190 per month, or about $186 to $253 and €162 to €220, excluding council tax.
The realistic range is about £110 to £260 per month, or about $146 to $346 and €128 to €302, depending on apartment size, insulation, heating type, working-from-home habits and whether the flat is all-electric.
This Cambridge utility budget normally includes gas, electricity, water, wastewater, broadband and a small allowance for mobile or TV licence costs.
Energy is usually the most expensive utility for Cambridge apartment owners, especially in older flats with weaker insulation or electric heating.
How much is property tax on apartments in Cambridge?
For a mainstream Cambridge apartment in 2026/27, typical council tax is about £1,900 to £2,500 per year, or about $2,500 to $3,300 and €2,200 to €2,900, if the flat falls around Band B, C or D.
Cambridge property tax is not a percentage of the apartment value, because council tax is based on a valuation band linked to the property’s value on 1 April 1991.
The realistic annual council tax range for Cambridge apartments is about £1,645 to £4,934, or about $2,188 to $6,563 and €1,908 to €5,723, from Band A to Band H.
What's the yearly building maintenance cost in Cambridge?
For Cambridge apartment owners in 2026, a realistic yearly building maintenance allowance is about £1,500 to £3,500, or about $2,000 to $4,700 and €1,700 to €4,100, depending on what is already covered by the service charge.
The realistic range is about £600 to £6,000 per year, or about $800 to $8,000 and €700 to €7,000, with small internal repairs near the bottom and major leasehold works or older buildings near the top.
Building maintenance in Cambridge usually covers items such as communal areas, roofs, lifts, external repairs, cleaning, gardens, management fees, reserve funds and sometimes buildings insurance.
For leasehold apartments in Cambridge, many building costs are included in the service charge, but the owner still needs a separate reserve for appliances, internal repairs and surprise bills.
How much does home insurance cost in Cambridge?
For a leasehold apartment in Cambridge in 2026, typical contents insurance is about £100 to £220 per year, or about $133 to $293 and €116 to €255, because buildings insurance is often paid through the service charge.
A realistic annual insurance range is about £100 to £500, or about $133 to $665 and €116 to €580, depending on whether the owner needs contents only, landlord cover or separate buildings cover.
Home insurance is not always legally mandatory for a cash apartment buyer in Cambridge, but mortgage lenders usually require buildings insurance, and leasehold buyers should check whether it is already included in the block policy.
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What sources have we used to write this blog article?
Whether it’s in our blog articles or the market analyses included in our property pack about Cambridge, we always rely on the strongest methodology we can, and we don’t throw out numbers at random.
We also aim to be fully transparent, so below we’ve listed the authoritative sources we used, and explained how we used them and the methods behind our estimates.
| Source | Why this source matters | How we used it |
|---|---|---|
| Office for National Statistics, Housing prices in Cambridge | It is the official UK source for local house prices and rents. | We used it as the main official anchor for Cambridge prices and rents. We then adjusted the city-wide figure to focus only on apartments. |
| UK House Price Index, March 2026 data downloads | It is the official UK house-price dataset using Land Registry methodology. | We used it to understand Cambridge’s 2026 price direction. We also used it before applying apartment-only and neighbourhood adjustments. |
| HM Land Registry Open Data | It records completed residential transactions in England and Wales. | We used it as the base source behind sold-price checks. We preferred completed-sale evidence over asking prices where possible. |
| Cambridge City Council, Council tax bands and charges | It is the official council tax table for Cambridge homes. | We used it to estimate yearly property tax for apartment owners. We focused on Bands B, C and D for mainstream Cambridge flats. |
| Cambridge City Council, Housing research | It gives local authority housing context for Cambridge. | We used it to frame affordability and local housing pressure. We also used it to avoid treating Cambridge like an average UK city. |
| HMRC, SDLT residential property rates | It is the official tax source for Stamp Duty Land Tax. | We used it to estimate buyer closing costs in Cambridge. We modelled standard buyer and foreign-buyer situations separately. |
| HMRC, SDLT non-UK resident surcharge | It explains the surcharge for non-UK resident buyers. | We used it because the target reader is a foreign buyer. We included it in the all-in cash budget and closing-cost ranges. |
| Bank of England, Mortgage Lenders and Administrators Statistics Q1 2026 | It is regulator-grade data on UK mortgage lending. | We used it to understand lending conditions in 2026. We combined it with UK Finance data for deposit assumptions. |
| UK Finance, Key mortgage market data | It provides lender-based mortgage factsheets by UK region. | We used it to benchmark loan-to-value and deposit levels. We then adjusted the deposit assumption upward for foreign buyers. |
| Greater Cambridge Planning, Monitoring delivery and land use | It is the official planning source for local housing supply. | We used it to understand where supply may change the market. We linked it to Trumpington, Cambridge North and employment-led demand. |
| Ofgem, April to June 2026 energy price cap | It is the official UK energy regulator’s price-cap update. | We used it to estimate gas and electricity costs. We scaled the typical bill down because flats usually use less energy than houses. |
| Cambridge Water, Customer charges 2026/27 | It is the official local water charging document. | We used it to estimate water costs for Cambridge apartments. We checked how charges apply from 1 April 2026. |
| Anglian Water, Household charges scheme 2026/27 | It is the official wastewater charging scheme for the area. | We used it to estimate wastewater costs. We cross-checked it with Cambridge Water because the buyer pays both water and wastewater charges. |
| Rightmove, House prices in Cambridge | It is a major UK portal with sold-price evidence. | We used it to check recent Cambridge flat transactions. We treated it as a market check, not the official baseline. |
| Rightmove, Flats for sale in Cambridge | It shows current asking-price evidence for Cambridge flats. | We used it to understand live buyer choices. We did not use asking prices alone because they can overstate completed values. |
| Plumplot, Cambridge prices per square metre | It summarizes Land Registry-derived local price data. | We used it to cross-check apartment price-per-metre estimates. We adjusted the broad postcode data for Cambridge city neighbourhoods. |
| Home.co.uk, Cambridge current house prices | It gives current market and asking-price context. | We used it to compare current listings with sold-price evidence. We treated it as a ceiling check rather than a final price source. |
| Housemetric, Cambridge property market analysis | It provides granular local trend and mapping context. | We used it to check local price direction in 2026. We kept official ONS and UK HPI data as the main anchor. |
| Association of British Insurers | It is a major UK insurance industry body. | We used it for general home-insurance context. We then adjusted the estimate for leasehold apartments where buildings cover is often included. |
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