Chatham Property Market Overview
Medway waterfront regeneration with the Historic Dockyard area attracting conversion schemes
The Chatham property market recorded 2,736 residential sales over the past 12 months, with a median sale price of £300,000. This places Chatham £45k below the Kent county median of £345,000, and £15k above the UK national median of £285,000.
Prices in Chatham have shown modest growth, with a year-on-year change of +0.8%. Within Kent, Chatham ranks 10th by price out of 12 principal towns, and 1st by transaction volume.
Chatham House Prices by Property Type
Property prices in Chatham vary significantly by type. The table below compares Chatham prices with Kent county averages and UK national figures.
| Type | Chatham | Kent Avg | UK Avg |
|---|---|---|---|
| Detached | £475,000 | £531,250 | £420,000 |
| Semi-detached | £345,000 | £360,000 | £265,000 |
| Terraced | £273,000 | £292,500 | £230,000 |
| Flat | £170,000 | £181,500 | £225,000 |
Detached homes in Chatham command £475,000, while flat properties are most accessible at £170,000. The £305k spread between the most and least expensive types indicates a diverse market with opportunities across the development spectrum.
Median Price by Property Type
New Build Homes in Chatham
Chatham recorded 38 new-build transactions in the past 12 months, representing 1.4% of total sales. This indicates meaningful developer activity and proven buyer demand for new homes in the area.
New-build properties in Chatham traded at a premium of 100.0% versus existing stock. This premium supports the viability of new development, as buyers are willing to pay more for new homes.
Across the wider Kent market, 376 new-build completions were recorded — see our Kent property market report for the full county picture.
Recent Property Sales in Chatham
The following table shows the most recent property transactions recorded in Chatham, providing real-time evidence of achieved prices for buyers, sellers, and developers:
| Price | Type | Postcode | Date | Status |
|---|---|---|---|---|
| £280,000 | Terraced | ME3 8BA | 2026-02-25 | Existing |
| £315,000 | Terraced | ME8 8BE | 2026-02-24 | Existing |
| £450,000 | Semi-detached | ME7 2DZ | 2026-02-23 | Existing |
| £400,000 | Semi-detached | ME5 9AN | 2026-02-23 | Existing |
| £200,000 | Terraced | ME3 0EG | 2026-02-20 | Existing |
These transactions are sourced from HM Land Registry Price Paid data and represent completed, registered sales. The range from £200,000 to £450,000 illustrates the breadth of the Chatham market.
Development Finance in Chatham
For developers considering Chatham, the local market data translates directly into finance structuring. With a median value of £300,000 and detached homes at £475,000, lenders can assess scheme viability with confidence.
A typical development finance facility for a Chatham scheme with a GDV of £475,000 would attract senior debt of approximately £308,750 at 65% LTGDV. Mezzanine finance can stretch total borrowing to 85-90% of costs, while bridging loans enable rapid site acquisitions completing in as little as 5 working days.
With prices rising 0.8% year-on-year, Chatham presents a supportive environment for new development. Lenders view positive price momentum favourably when assessing loan applications.
Ready to develop in Chatham? Submit your scheme for indicative terms within 24 hours from our panel of 100+ lenders.
Chatham Compared to Nearby Kent Towns
To put Chatham's market in context, the table below compares it with similarly-priced towns across Kent:
| Town | Median Price | Sales (12m) | YoY Change |
|---|---|---|---|
| Chatham | £300,000 | 2,736 | +0.8% |
| Folkestone | £308,000 | 1,259 | -0.6% |
| Dover | £285,000 | 1,317 | -0.9% |
| Margate | £275,000 | 1,559 | -1.8% |
| Canterbury | £330,000 | 1,477 | -3.4% |
| Ashford | £340,000 | 1,336 | 0% |
For the full Kent town-by-town breakdown, see our comprehensive Kent property market report.
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5 min readFrequently Asked Questions
What is the average house price in Chatham?
The median house price in Chatham is £300,000, based on 2,736 transactions over the past 12 months. Detached homes average £475,000 while flat properties average £170,000.
Are house prices rising or falling in Chatham?
House prices in Chatham are rising at +0.8% year-on-year. This positive trend suggests sustained buyer demand. The wider Kent market is rising at +0.3%.
How many properties sold in Chatham recently?
Chatham recorded 2,736 residential property sales in the past 12 months. This high volume indicates a liquid, active market.
What development finance is available for projects in Chatham?
Developers in Chatham can access development finance from 6.5% p.a. at 65-70% LTGDV, mezzanine finance stretching to 85-90% of costs, bridging loans completing in 5-10 days, and development exit finance. Construction Capital sources the best terms from 100+ lenders.