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

Derby: Manufacturing city with Rolls-Royce HQ, Riverside regeneration, and university-driven demand.

The Derby property market recorded 3,779 residential sales in the 12 months to 30 June 2026, with a median sale price of £210,000. This places Derby £10k below the Derbyshire county median of £220,000, and £75k below the approximate UK median of £285,000.

Prices in Derby have shown modest growth, a year-on-year change of +1.4%. Within Derbyshire, Derby ranks 5th by price out of 7 principal towns, and 1st by transaction volume.

On a quarterly view, Derby median prices moved from £216,000 in Q1 2025 to £205,000 in Q2 2026, a change of -5.1% over 5 quarters.

The local planning authority for Derby approved 17 residential planning applications and refused 4 in Q3 2026 (1 July to 30 September 2026), with 64 still awaiting a decision. That is an approval rate of 81%. 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 1,013 homes, an estimated £206.6m 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 Derby vary significantly by type. The table below compares Derby prices with Derbyshire county averages and UK national figures.

Detached homes in Derby command £324,950, while flat properties are most accessible at £115,000. The £210k 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 82 new-build sales in Derby for the past 12 months, 2.2% 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 Derby sold at a premium of 20.7% 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 Derby, 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 £141,000 to £465,000 illustrates the breadth of the Derby market.

For developers considering Derby, the local market data translates directly into finance structuring. With a median value of £210,000 and detached homes at £324,950, lenders can assess scheme viability with confidence.

A typical development finance facility for a scheme in Derby with a GDV of £324,950 would attract senior debt of approximately £211,218 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 1.4% year-on-year, Derby presents a supportive environment for new development. Lenders view positive price momentum favourably when assessing loan applications.

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

To put Derby'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.