A complete guide to property investment in Carlisle.
Last updated: 18 September 2025
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.
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 prices in Carlisle, North West
* Extreme prices clipped for legibility
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
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.
Average yield (%)
* 2025 data for YTD
Median price per sq ft (£/sq ft)
* 2025 data for YTD
Investment properties in Carlisle, North West
£73,500 - Guide Price
2 bedroom apartment for sale
Lowry Gardens, Carlisle, Cumbria, C...
£45,000
1 bedroom apartment for sale
Scotch Street, Carlisle, CA3
£220,000 - Offers Over
8 bedroom terraced house for sale
Close Street, Carlisle
£195,000 - Guide Price
3 bedroom terraced house for sale
Lowry Gardens, Carlisle
Asking and achieved prices are broadly aligned — little negotiation room on average.
• 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%
Top postcodes for rental yield and (annualised) capital growth
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.