Lloyds House Price Index
House prices in July 2026 were 0.1% higher compared to the same month a year earlier.
07 August: Lloyds House Price Index – July 2026 (PDF, 1.2MB) 07 July: Lloyds House Price Index – June 2026 (PDF, 1.2MB, opens in a new window)From July 2026, the Halifax House Price Index has become the Lloyds House Price Index. While the name has changed, the methodology remains the same. The index is already calculated using both Halifax and Lloyds mortgage data.
July Lloyds House Price Index
Amanda Bryden, Head of Mortgages, Lloyds, said:
“The UK housing market remained steady in July, with the average property price effectively unchanged over the month (-£143), following a slight rise of +0.2% in June. At £299,253, the average house price is now +0.1% higher than a year ago, the slowest rate of annual growth since November 2023.
“More broadly, average house prices have remained relatively stable for almost two years, moving within a narrow range over that period and sitting just +0.5% higher than they were in November 2024. That trend has persisted even as buyers and sellers have faced a more uncertain economic backdrop this year.
“Affordability remains a challenge for many would-be buyers and, following recent events in the Middle East, mortgage rates have edged higher again after easing earlier in the summer.
“Sensitivity to borrowing costs is reflected in the latest industry data, which show a modest increase in both mortgage approvals and completed transactions in June following a bigger dip in May. While housing demand remains broadly steady, activity continues to respond quickly to changes in mortgage rates.
“Looking ahead, we expect market activity and house prices to remain relatively stable over the remainder of the year. Developments will be shaped by both how mortgage rates respond to the outlook for inflation and wider household confidence.”
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About the Lloyds House Price Index
Formerly the Halifax House Price Index, the Lloyds House Price Index is the UK’s longest running monthly house price series with data covering the whole country going back to January 1983.
From this data, a “standardised” house price is calculated and property price movements on a like-for-like basis (including seasonal adjustments) are analysed over time. The annual change figure is calculated by comparing the current month seasonally adjusted figure with the same month a year earlier.
S&P DJI, a world leader in critical information, analytics and solutions (NYSE: INFO) owns and acts as administrator for the Lloyds House Price Index.
For more information visit: Lloyds House Price Index | S&P Dow Jones Indices
