Chesterfield Property Market: House Prices, Sold Data & Development Finance, Q3 2026 Review

Chesterfield: Market town with growing regeneration agenda and affordable values relative to Sheffield.

The Chesterfield property market recorded 1,820 residential sales in the 12 months to 30 June 2026, with a median sale price of £190,000. This places Chesterfield £30k below the Derbyshire county median of £220,000, and £95k below the approximate UK median of £285,000.

Prices in Chesterfield have been broadly stable, a year-on-year change of 0%. Within Derbyshire, Chesterfield ranks 6th by price out of 7 principal towns, and 4th by transaction volume.

On a quarterly view, Chesterfield median prices moved from £185,000 in Q1 2025 to £190,000 in Q2 2026, a change of +2.7% over 5 quarters.

The local planning authority for Chesterfield approved 15 residential planning applications and refused 1 in Q3 2026 (1 July to 30 September 2026), with 24 still awaiting a decision. Too few decisions were captured in the period to state a reliable approval rate. Planning figures come from local planning authority records compiled by Landstack, retrieved on 3 October 2026. Councils and Landstack can take several days to publish decisions, so decisions made in the final days of Q3 2026 may not all be included yet.

Schemes approved in Q3 2026, together with those still awaiting a decision, propose around 765 homes, an estimated £121.6m of development value at local sale prices. Treat the unit total as an upper bound, since an outline permission and its reserved-matters application both count.

Property prices in Chesterfield vary significantly by type. The table below compares Chesterfield prices with Derbyshire county averages and UK national figures.

Detached homes in Chesterfield command £318,000, while flat properties are most accessible at £115,500. The £203k spread between the most and least expensive types indicates a diverse market with opportunities across the development spectrum.

HM Land Registry has so far registered 74 new-build sales in Chesterfield for the past 12 months, 4.1% of registered transactions. New-build sales are typically registered 6 to 18 months after completion, so this understates current delivery and is not a completions figure.

On those registered sales, new builds in Chesterfield sold at a premium of 24.3% to existing stock.

Across the wider Derbyshire market, 469 new-build sales have registered so far. See our Derbyshire property market report for the full county picture.

The table below shows the most recently registered residential sales in Chesterfield, evidence of achieved prices for buyers, sellers and developers:

These transactions are sourced from HM Land Registry Price Paid data and represent completed, registered sales. The range from £164,000 to £235,000 illustrates the breadth of the Chesterfield market.

For developers considering Chesterfield, the local market data translates directly into finance structuring. With a median value of £190,000 and detached homes at £318,000, lenders can assess scheme viability with confidence.

A typical development finance facility for a scheme in Chesterfield with a GDV of £318,000 would attract senior debt of approximately £206,700 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.

While prices have remained flat year-on-year, experienced developers can still generate strong returns in Chesterfield by targeting well-located sites with clear demand drivers.

Ready to develop in Chesterfield? Submit your scheme for indicative terms within 24 hours from our panel of 100+ lenders.

To put Chesterfield's market in context, the table below compares it with similarly-priced towns across Derbyshire:

For the full Derbyshire town-by-town breakdown, see our comprehensive Derbyshire property market report.