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

South Derbyshire growth area with National Forest proximity and growing population

The Swadlincote property market recorded 1,417 residential sales over the past 12 months, with a median sale price of £240,000. This places Swadlincote £23k above the Derbyshire county median of £217,000, and £45k 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 8 principal towns, and 3rd by transaction volume.

Swadlincote median prices have moved from £260,000 in Q1 2025 to £249,000 in Q2 2026, a change of -4.2% over 5 quarters. Swadlincote has now recorded 2 consecutive quarters of price growth.

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

Detached homes in Swadlincote command £335,000, while flat properties are most accessible at £131,250. The £204k spread between the most and least expensive types indicates a diverse market with opportunities across the development spectrum.

Swadlincote recorded 61 new-build transactions in the past 12 months, representing 4.3% 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 24.9% 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, 175 new-build completions were recorded — see our Derbyshire property market report for the full county picture.

The following table shows the most recent property transactions recorded in Swadlincote, 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 £161,500 to £490,000 illustrates the breadth of the Swadlincote market.

For developers considering Swadlincote, the local market data translates directly into finance structuring. With a median value of £240,000 and detached homes at £335,000, lenders can assess scheme viability with confidence.

A typical development finance facility for a Swadlincote scheme with a GDV of £335,000 would attract senior debt of approximately £217,750 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 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.

To put Swadlincote'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.