Swadlincote Property Market: House Prices, Sold Data & Development Finance, Q3 2026 Edition

Swadlincote: South Derbyshire growth area with National Forest proximity and growing population.

The Swadlincote property market recorded 2,085 residential sales in the 12 months to 31 May 2026, with a median sale price of £245,000. This places Swadlincote £25k above the Derbyshire county median of £220,000, and £40k below the approximate UK median of £285,000.

Prices in Swadlincote have recorded a moderate decline, a year-on-year change of -3.9%. Within Derbyshire, Swadlincote ranks 3rd by price out of 7 principal towns, and 3rd by transaction volume.

On a quarterly view, Swadlincote median prices moved from £260,000 in Q3 2024 to £234,500 in Q4 2025, a change of -9.8% over 5 quarters. The most recent quarter is excluded because HM Land Registry registrations for it are still incomplete.

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 £132,500. The £203k 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 177 new-build sales in Swadlincote for the past 12 months, 8.5% 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 Swadlincote sold at a premium of 26.7% to existing stock.

Across the wider Derbyshire market, 543 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 Swadlincote, 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 £140,000 to £380,000 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 £245,000 and detached homes at £335,000, lenders can assess scheme viability with confidence.

A typical development finance facility for a scheme in Swadlincote 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 3.9% 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.