St Ives Property Market: House Prices, Sold Data & Development Finance, End of H1 2026

Cambridgeshire market town with guided busway Cambridge connectivity and riverside development

The St Ives property market recorded 221 residential sales over the past 12 months, with a median sale price of £300,000. This places St Ives £3k below the Cambridgeshire county median of £302,750, 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 -3.2%. Within Cambridgeshire, St Ives ranks 5th by price out of 8 principal towns, and 8th by transaction volume.

St Ives median prices have moved from £320,000 in Q1 2025 to £260,000 in Q2 2026, a change of -18.8% over 5 quarters.

Property prices in St Ives vary significantly by type. The table below compares St Ives prices with Cambridgeshire county averages and UK national figures.

Detached homes in St Ives command £435,000, while flat properties are most accessible at £190,000. The £245k spread between the most and least expensive types indicates a diverse market with opportunities across the development spectrum.

St Ives recorded 0 new-build transactions in the past 12 months, representing 0.0% 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 0.0% 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, 98 new-build completions were recorded — see our Cambridgeshire property market report for the full county picture.

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:

These transactions are sourced from HM Land Registry Price Paid data and represent completed, registered sales. The range from £225,000 to £480,000 illustrates the breadth of the St Ives market.

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 £435,000, lenders can assess scheme viability with confidence.

A typical development finance facility for a St Ives scheme with a GDV of £435,000 would attract senior debt of approximately £282,750 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.

While prices have softened 3.2% 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.

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

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