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Property investment stats for Carlisle, North West

A complete guide to property investment in Carlisle.

Last updated: 18 September 2025

Investment summary

Carlisle stands out for its mix of affordability and strong rental performance. With a price-to-income ratio of 3.3 and a rent-to-income ratio of 17.7%, buyers and renters alike are not overly stretched. The local market is lively, with homes spending just 17 days on the market and annual sales at 1,224.

The area’s recent capital growth — 2.2% over one year and 10.5% over three — shows steady momentum, and the average rental yield of 6.3% is appealing for investors. There’s also a healthy spread of housing types, with a particularly high proportion of single occupier households in the 93rd percentile, which hints at ongoing demand for smaller properties.

Image of Carlisle, North West

Key investment stats for Carlisle

Median price per sq ft

£165 / sq ft

Average rental yield

6.3%

Capital growth (1y)

2.2%

Sales in past year

1,224

* Property stats calculated for last full calendar year (2024).

Live property stats in Carlisle

Live prices in Carlisle, North West

* Extreme prices clipped for legibility

Properties for sale

Median price

£225,000

25% of properties below...

£132,500

75% of properties below...

£335,000

Most expensive property

£1,100,000

Live listings

277

Median days on market

17

Should you invest in Carlisle?

Opportunities

  • Investors can benefit from strong rental yields of 6.3%, with the top postcode district achieving 6.7%.
  • The median price per square foot is £165 per sq ft, creating room for value-focused buyers to enter the market.
  • Quick sales (just 17 days on the market) and a modest median discount of £1,000 (the typical achieved discount) suggest solid liquidity and realistic pricing.

Risks

  • A relatively low proportion of degree-educated residents (22nd percentile) and professionals/managers (11th percentile) may limit potential for rapid value uplift.
  • The student population is only in the 61st percentile, so student lets are a niche rather than a core opportunity.
  • Families are under-represented (24th percentile), which could affect demand for larger homes.

Outlook

Looking ahead, Carlisle’s market appears stable and well-balanced. The area’s affordability, as shown by the 3.3 price-to-income ratio, should continue to support demand from both buyers and renters.

Rental yields are likely to remain attractive, especially given the ongoing demand from single occupier households and younger adults. With capital growth over three years at 10.5% and annualised growth at 3.4%, there’s a steady upward trend but nothing overheated.

Expect liquidity to stay strong, with homes moving quickly and discounts modest. Overall, investors can look forward to a market that rewards patience and selectivity, with reliable returns rather than dramatic swings.

Live properties in Carlisle

Investment properties in Carlisle, North West

2 bedroom apartment for sale
On market for 177 days

£73,500 - Guide Price

2 bedroom apartment for sale

Lowry Gardens, Carlisle, Cumbria, C...

Slow to sell properties in Carlisle, North West
Slow to Sell
1 bedroom apartment for sale
Reduced by 18%

£45,000

1 bedroom apartment for sale

Scotch Street, Carlisle, CA3

Big price drop properties in Carlisle, North West
Big Price Drop
8 bedroom terraced house for sale
High yield opportunity

£220,000 - Offers Over

8 bedroom terraced house for sale

Close Street, Carlisle

HMO properties in Carlisle, North West
HMO
3 bedroom terraced house for sale
29% below median price

£195,000 - Guide Price

3 bedroom terraced house for sale

Lowry Gardens, Carlisle

Low price-per-sq-ft properties in Carlisle, North West
Low Price per Sq Ft

Achieved vs asking prices

Key takeaway: Seller's market

Asking and achieved prices are broadly aligned — little negotiation room on average.

Headline stats

• Median discount: £1,000

• 1 in 4 properties sell at > £5,000 below asking

• 1 in 10 properties sell at > £9,770 below asking

In percentage terms:

• Median discount of 0.8%

• 25% of properties discounted by > 3.3%

• 10% of properties discounted by > 5.5%

Best places to invest in Carlisle

Top postcodes for rental yield and (annualised) capital growth

Rank
Postcode
Yield
Capital growth
Median £/sq ft
1CA16.7%2.6%£150 / sq ft
2CA26.4%4.5%£162 / sq ft
3CA34.0%3.6%£211 / sq ft

Nearby and related areas

Data sources

GeoGlider calculates property investment stats by blending official and proprietary datasets. Here's a quick overview of key sources and how we use them:

  • HM Land Registry: Property transaction and sold-price records for England & Wales used to calculate historical capital growth, price levels and comparables.

  • Office for National Statistics (ONS): Demographic and economic indicators for the UK, including Census 2021, supporting area profiling and market context.

  • Ordnance Survey: Authoritative UK geospatial data powering accurate boundaries, roads and terrain for mapping and spatial analysis.

  • GeoProp: Our proprietary AI pipeline that processes millions of property listings to extract rich features and live market signals.

  • Department for Levelling Up, Housing & Communities: Energy Performance Certificate (EPC) scores and property floor areas.

  • HM Revenue & Customs (HMRC): Household income and employment data to understand local affordability and economic conditions.

Data is updated continuously, matched across sources and rigorously validated.