Swadlincote Property Market Overview
South Derbyshire growth area with National Forest proximity and growing population
The Swadlincote property market recorded 1,323 residential sales over the past 12 months, with a median sale price of £237,000. This places Swadlincote £22k above the Derbyshire county median of £215,000, and £48k below the UK national median of £285,000.
Prices in Swadlincote have shown a notable decline, with a year-on-year change of -7%. Within Derbyshire, Swadlincote ranks 3rd by price out of 7 principal towns, and 2nd by transaction volume.
Swadlincote House Prices by Property Type
Property prices in Swadlincote vary significantly by type. The table below compares Swadlincote prices with Derbyshire county averages and UK national figures.
| Type | Swadlincote | Derbyshire Avg | UK Avg |
|---|---|---|---|
| Detached | £340,000 | £330,000 | £420,000 |
| Semi-detached | £219,950 | £210,000 | £265,000 |
| Terraced | £179,000 | £160,000 | £230,000 |
| Flat | £126,000 | £126,000 | £225,000 |
Detached homes in Swadlincote command £340,000, while flat properties are most accessible at £126,000. The £214k 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 Swadlincote
Swadlincote recorded 66 new-build transactions in the past 12 months, representing 5.0% of total sales. This indicates meaningful developer activity and proven buyer demand for new homes in the area.
New-build properties in Swadlincote traded at a premium of 34.7% versus existing stock. This premium supports the viability of new development, as buyers are willing to pay more for new homes.
Across the wider Derbyshire market, 206 new-build completions were recorded — see our Derbyshire property market report for the full county picture.
Recent Property Sales in Swadlincote
The following table shows the most recent property transactions recorded in Swadlincote, providing real-time evidence of achieved prices for buyers, sellers, and developers:
| Price | Type | Postcode | Date | Status |
|---|---|---|---|---|
| £145,000 | Terraced | DE11 7NX | 2026-02-20 | Existing |
| £215,000 | Semi-detached | DE11 0TH | 2026-02-20 | Existing |
| £180,000 | Detached | DE65 5HB | 2026-02-20 | Existing |
| £146,000 | Terraced | DE11 7JJ | 2026-02-20 | Existing |
| £170,000 | Terraced | DE65 5ER | 2026-02-20 | Existing |
These transactions are sourced from HM Land Registry Price Paid data and represent completed, registered sales. The range from £145,000 to £215,000 illustrates the breadth of the Swadlincote market.
Development Finance in Swadlincote
For developers considering Swadlincote, the local market data translates directly into finance structuring. With a median value of £237,000 and detached homes at £340,000, lenders can assess scheme viability with confidence.
A typical development finance facility for a Swadlincote scheme with a GDV of £340,000 would attract senior debt of approximately £221,000 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 7% year-on-year, experienced developers can still generate strong returns in Swadlincote by targeting well-located sites with clear demand drivers.
Ready to develop in Swadlincote? Submit your scheme for indicative terms within 24 hours from our panel of 100+ lenders.
Swadlincote Compared to Nearby Derbyshire Towns
To put Swadlincote's market in context, the table below compares it with similarly-priced towns across Derbyshire:
| Town | Median Price | Sales (12m) | YoY Change |
|---|---|---|---|
| Swadlincote | £237,000 | 1,323 | -7% |
| Buxton | £250,000 | 1,028 | -3.8% |
| Belper | £215,000 | 1,398 | -6.5% |
| Long Eaton | £205,000 | 1,271 | -2.4% |
| Ilkeston | £181,625 | 520 | +0.9% |
| Chesterfield | £181,500 | 1,185 | -2.9% |
For the full Derbyshire town-by-town breakdown, see our comprehensive Derbyshire property market report.
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From 12% p.a. · Up to 85-90% LTGDVRelated Reports
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5 min readFrequently Asked Questions
What is the average house price in Swadlincote?
The median house price in Swadlincote is £237,000, based on 1,323 transactions over the past 12 months. Detached homes average £340,000 while flat properties average £126,000.
Are house prices rising or falling in Swadlincote?
House prices in Swadlincote are falling at -7% year-on-year. This decline may present buying opportunities for investors and developers. The wider Derbyshire market is falling at -3.5%.
How many properties sold in Swadlincote recently?
Swadlincote recorded 1,323 residential property sales in the past 12 months. This high volume indicates a liquid, active market.
What development finance is available for projects in Swadlincote?
Developers in Swadlincote 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.