St Ives Property Market Overview
Cambridgeshire market town with guided busway Cambridge connectivity and riverside development
The St Ives property market recorded 205 residential sales over the past 12 months, with a median sale price of £300,000. This places St Ives £5k below the Cambridgeshire county median of £305,000, and £15k above the UK national median of £285,000.
Prices in St Ives have shown a moderate decline, with a year-on-year change of -2.8%. Within Cambridgeshire, St Ives ranks 5th by price out of 7 principal towns, and 7th by transaction volume.
St Ives House Prices by Property Type
Property prices in St Ives vary significantly by type. The table below compares St Ives prices with Cambridgeshire county averages and UK national figures.
| Type | St Ives | Cambridgeshire Avg | UK Avg |
|---|---|---|---|
| Detached | £405,250 | £428,000 | £420,000 |
| Semi-detached | £310,000 | £300,000 | £265,000 |
| Terraced | £253,000 | £253,000 | £230,000 |
| Flat | £186,000 | £161,500 | £225,000 |
Detached homes in St Ives command £405,250, while flat properties are most accessible at £186,000. The £219k 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 St Ives
St Ives recorded 2 new-build transactions in the past 12 months, representing 1.0% of total sales. New-build supply is limited, potentially indicating either planning constraints or an untapped opportunity for developers.
New-build properties in St Ives traded at a discount of 100.0% versus existing stock. Developers should focus on specification, design quality, and location to maximise values above comparable second-hand stock.
Across the wider Cambridgeshire market, 154 new-build completions were recorded — see our Cambridgeshire property market report for the full county picture.
Recent Property Sales in St Ives
The following table shows the most recent property transactions recorded in St Ives, providing real-time evidence of achieved prices for buyers, sellers, and developers:
| Price | Type | Postcode | Date | Status |
|---|---|---|---|---|
| £280,000 | Terraced | PE27 4TU | 2026-02-20 | Existing |
| £319,300 | Detached | PE27 6TS | 2026-02-13 | Existing |
| £315,000 | Semi-detached | PE27 5JU | 2026-02-13 | Existing |
| £325,000 | Semi-detached | PE27 5HB | 2026-02-13 | Existing |
| £408,000 | Semi-detached | PE27 6RU | 2026-02-13 | Existing |
These transactions are sourced from HM Land Registry Price Paid data and represent completed, registered sales. The range from £280,000 to £408,000 illustrates the breadth of the St Ives market.
Development Finance in St Ives
For developers considering St Ives, the local market data translates directly into finance structuring. With a median value of £300,000 and detached homes at £405,250, lenders can assess scheme viability with confidence.
A typical development finance facility for a St Ives scheme with a GDV of £405,250 would attract senior debt of approximately £263,413 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 softened 2.8% year-on-year, experienced developers can still generate strong returns in St Ives by targeting well-located sites with clear demand drivers.
Ready to develop in St Ives? Submit your scheme for indicative terms within 24 hours from our panel of 100+ lenders.
St Ives Compared to Nearby Cambridgeshire Towns
To put St Ives's market in context, the table below compares it with similarly-priced towns across Cambridgeshire:
| Town | Median Price | Sales (12m) | YoY Change |
|---|---|---|---|
| St Ives | £300,000 | 205 | -2.8% |
| Huntingdon | £305,000 | 1,074 | -6.2% |
| St Neots | £320,000 | 588 | -3.3% |
| Ely | £335,000 | 845 | -1.5% |
| March | £230,000 | 350 | -4.2% |
| Wisbech | £202,500 | 417 | -1.2% |
For the full Cambridgeshire town-by-town breakdown, see our comprehensive Cambridgeshire property market report.
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5 min readFrequently Asked Questions
What is the average house price in St Ives?
The median house price in St Ives is £300,000, based on 205 transactions over the past 12 months. Detached homes average £405,250 while flat properties average £186,000.
Are house prices rising or falling in St Ives?
House prices in St Ives are falling at -2.8% year-on-year. This decline may present buying opportunities for investors and developers. The wider Cambridgeshire market is falling at -2.8%.
How many properties sold in St Ives recently?
St Ives recorded 205 residential property sales in the past 12 months. This represents a reasonably active market.
What development finance is available for projects in St Ives?
Developers in St Ives 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.