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Which property type has risen most in price since 1995? Detached, semi-detached, terraced or flat
Terraced, semi-detached, detached and flat prices in England from January 1995 to August 2026, ranked by percentage rise using UK HPI data.
- 4 min read
- Last reviewed 4 November 2026
- By Your Property Check team
Key answer
Part 1 of 7
The ranking
General information, not advice. We took the England rows of the UK House Price Index (UK HPI) full file for August 2026, published by HM Land Registry, and compared the average price for each property type in January 1995 with August 2026. The criterion is simply the percentage rise in the official average, nothing else.
| Rank | Property type | Average price 1995 | Average price now | Rise |
|---|---|---|---|---|
| 1 | Terraced | £38,864 | £247,371 | 537% |
| 2 | Semi-detached | £49,270 | £291,962 | 493% |
| 3 | Detached | £86,969 | £472,671 | 443% |
| 4 | Flat | £40,489 | £218,563 | 440% |
Source: UK HPI full file, August 2026, England. January 1995 against August 2026. Nominal prices, not adjusted for inflation. The detached and flat rises are close, with detached ahead by under four percentage points.
Part 2 of 7
Why the percentages differ from the pounds
A lower starting price makes the same pounds rise look bigger in percentage terms. Terraced homes started 1995 at less than half the detached average, so a smaller cash rise produced a bigger percentage. In pounds, detached homes rose by far the most, about £385,700, against about £208,500 for terraced homes. Both views are accurate; they answer different questions. Percentage rise tells you how much a pound invested in that type grew. Cash rise tells you how much more you would pay today.
Part 3 of 7
Have flats kept up with houses?
Not in this data. Flats had the smallest rise of the four types, and they are the only type whose average is lower than a year ago. In August 2025 the England flat average was £225,008, so the August 2026 figure of £218,563 is about 2.9% lower. Over the same twelve months semi-detached homes rose about 1.7%, terraced about 1.4% and detached about 0.3%. One year does not make a trend, but it shows flats moving differently from houses recently.
Part 4 of 7
Which type fell most in 2008 and 2009?
In England every type fell by close to a fifth from its 2007 peak. Using the highest monthly value in 2007 and the lowest in 2009:
| Property type | 2007 peak | 2009 low | Fall |
|---|---|---|---|
| Terraced | £148,935 (August 2007) | £121,066 (March 2009) | 18.7% |
| Flat | £158,560 (December 2007) | £129,176 (April 2009) | 18.5% |
| Semi-detached | £174,886 (August 2007) | £143,013 (March 2009) | 18.2% |
| Detached | £296,101 (November 2007) | £243,592 (March 2009) | 17.7% |
The falls were similar, with terraced homes slightly deepest and detached slightly shallowest. The peaks were in different months, so this is a comparison of each type's own high and low, not of one date.
Part 5 of 7
How the types are defined
The UK HPI file reports four price columns: detached, semi-detached, terraced and flat. We did not read HM Land Registry's full methodology for how each type is assigned, so we do not restate the definitions. The GOV.UK collection page describes the UK HPI as showing changes in the value of residential properties.
Part 6 of 7
The same story as multiples
Another way to read the ranking is as a multiple of the 1995 price. A terraced home now averages about 6.4 times its January 1995 average, a semi-detached about 5.9 times, a detached about 5.4 times and a flat about 5.4 times. Put plainly, the cheaper house types at the start caught up with the dearer ones. In 1995 the detached average was more than twice the terraced average; by August 2026 it was under twice. Flats started 1995 just above terraced homes and ended August 2026 below them, at £218,563 against £247,371.
Part 7 of 7
What this does not tell you
The averages are for England as a whole. Regions differ sharply, and our page on where house prices are falling shows local movement over the latest twelve months. The figures are before inflation, so a 440% rise over thirty years is not a 440% rise in buying power. And past performance is not a forecast: nothing here says which type will rise next.
If you are choosing between types, look at sold prices for the street you are considering rather than a national average. Our sold prices tool shows what similar homes actually sold for, and the Land Registry is the source. For a flat, also check the lease and charges, which our guide to freehold or leasehold explains.
This page is general information, not advice.
Our take
Percentages and pounds tell different stories
Terraced houses in England rose about 537% since 1995, against about 440% for flats, but those are percentages before inflation and they depend on where each type started. We think the pound gap matters as much as the percentage for anyone choosing a type to buy.
Your Property Check brings it down to your street. Our free sold prices tool shows real Land Registry transactions for any postcode, and our house value tool gives a value range with the comparable sales shown.
Our opinion, drawn from the facts on this page: not advice and not a forecast. We earn from OfferCheck reports and from introducing sellers to cash buyers, so weigh it with that in mind (see our disclosure). We are not authorised or regulated by the FCA.
Questions, answered
Frequently asked questions
Which type of property has increased in value most?
Have flats kept up with houses?
Which type fell most in 2008?
Why use England rather than the whole UK?
Are these prices adjusted for inflation?
Where this comes from
Sources
Last reviewed 4 November 2026 by the Your Property Check team. This page is general information, not legal, tax or financial advice. For your own situation, speak to a conveyancing solicitor or another qualified professional.