# 8 RAMSEY STREET, MANCHESTER, GREATER MANCHESTER, M40 5HW

## Property details

- Slug: `411b8dd` (address key hash: `411b8ddf0937b543ff5cd4d8abe3b7b1a563c433`)
- Postcode: M40 5HW
- Transactions on record: 1

- Tenure: Freehold
- Property type: Semi-detached
- Bedrooms: 3
- Bathrooms: 1
- Floor area: 66 m²
- EPC rating: D
- Year built: England and Wales: 1950-1966
- Last sold: £185,000 Jan 2026
- Price per m²: £2,803/m²
- Local average: £255,593 (31 sales)

## Latest sale

- Price: £185,000
- Date: 2026-01-27
- Type: S
- Tenure: F

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** C
- **Expiry date:** 25/07/2035
- **Current heating cost:** £799/year
- **Est. upgrade cost to C:** £16,765

### Recommendations
- W1 (£5,000 - £10,000)
- C (£20 - £40)
- G (£220 - £250)
- U (£8,000 - £10,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/6200-2969-0422-3523-3353)

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-01-27 | £185,000 | Semi-detached | — | £181,346 (to April 2026) | [View](http://87.117.209.195:8080/house-prices/4c1b673f-46c8-d8ea-e063-4704a8c0bf7d) |

*Today’s value (HPI): adjusted using published house price index trends for the area and property type; not a valuation of the property today.*

## Sales History

*Recorded sales for this property. Data from Land Registry Price Paid.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| 8 RAMSEY STREET, MANCHESTER, GREATER MANCHESTER, M40 5HW | £185,000 | 27/01/2026 | Semi-detached |

## Historic listings

Listing activity only where we matched the listing to a Land Registry sale already on record for this address.

- Matched listing: [165117050](http://87.117.209.195:8080/listings/75cedf1)

| Event | Date | Price |
|-------|------|-------|
| sold | 2026-01-01 | £185,000 |
| listed | 2025-07-30 | £200,000 |

## Sold Comparables

*Same street and nearby sales within 0.25 miles. Data from Land Registry Price Paid. Last 5 years.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| 11 ST GEORGES DRIVE, MANCHESTER, GREATER MANCHESTER, M40 5HP | £330,000 | 21/04/2023 | Semi-detached |
| 274 LIGHTBOWNE ROAD, MANCHESTER, GREATER MANCHESTER, M40 5HQ | £180,000 | 27/10/2022 | Semi-detached |
| 43 ARBORY AVENUE, MOSTON, MANCHESTER, GREATER MANCHESTER, M40 5HF | £198,000 | 26/10/2022 | Semi-detached |
| 32 ARBORY AVENUE, MOSTON, MANCHESTER, GREATER MANCHESTER, M40 5HE | £205,000 | 10/10/2022 | Semi-detached |
| 15 ARBORY AVENUE, MOSTON, MANCHESTER, GREATER MANCHESTER, M40 5HF | £185,000 | 23/05/2022 | Semi-detached |
| 30 ARBORY AVENUE, MOSTON, MANCHESTER, GREATER MANCHESTER, M40 5HE | £153,000 | 29/04/2022 | Semi-detached |
| 59 JOYCE STREET, MANCHESTER, GREATER MANCHESTER, M40 5HB | £171,000 | 13/12/2021 | Semi-detached |
| 36 JOYCE STREET, MANCHESTER, GREATER MANCHESTER, M40 5HA | £142,000 | 24/11/2021 | Semi-detached |
| 63 ARBORY AVENUE, MOSTON, MANCHESTER, GREATER MANCHESTER, M40 5HJ | £155,000 | 15/10/2021 | Semi-detached |
| 6 ARBORY AVENUE, MOSTON, MANCHESTER, GREATER MANCHESTER, M40 5HE | £130,000 | 14/10/2021 | Semi-detached |

**Area average:** £184,900 (10 sales)

## For sale comparables

*Active for-sale listings within 1 mile, matched to the same property type and bedroom count.*

| Address | Price | Beds | Type | Distance |
|---------|-------|------|------|----------|
| [West Avenue, New Moston, Manchester](http://87.117.209.195:8080/listings/5572db5) | £270,000 | 3 | Semi-detached | 0.74 mi |

## Capital growth trend

*Land Registry outcode average from sold prices: last 12 months vs 5y and 10y ago.*

- **5y growth:** 56.2%
- **10y growth:** 121.6%

## House Price Index (HM Land Registry)

*Official index for Manchester; Semi-detached series; as of April 2026.*

- **1y growth (index):** 3.9%
- **5y growth (index):** 23.5%
- **10y growth (index):** 83.5%

## Rental Range

*ONS Price Index of Private Rents (Manchester). Low / Realistic / Optimistic = conservative / average / best case.*

- **Low:** £1,217/mo
- **Realistic:** £1,352/mo
- **Optimistic:** £1,487/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for West Pennine (Apr 2025 – Mar 2026).*

## Rental Comparables

*Residential lets from OpenRent and Rightmove for the area (same bedroom count). Use to validate rent estimates. Student lets are excluded.*

| Title | Rent | Beds | Distance | As seen on |
|------|------|------|------|------|
| 3 Bed Terraced House, Chinley Avenue, M40 | £1,150/mo | 3 | 0.19 miles | OpenRent |
| 3 Bed Detached House, Wilfred St, M40 | £1,400/mo | 3 | 0.29 miles | OpenRent |
| 3 Bed Terraced House, Worsley Avenue, M40 | £1,400/mo | 3 | 0.48 miles | OpenRent |
| 3 Bed End Terrace, Mapledon Road, M9 | £1,595/mo | 3 | 0.53 miles | OpenRent |
| 3 Bed End Terrace, Dollond St, M9 | £1,250/mo | 3 | 0.8 miles | OpenRent |

**Average rent: £1,359/mo (5 listings)**

## 1% Rule

- **Rent ratio:** 0.76% (weak for cashflow)
- **Max investor price (0.8%):** £175,000
- **Target investor price (1%):** £140,000

*Monthly rent ÷ price. 1%+ = strong, 0.8–1% = okay, <0.8% = weak. Max investor price = rent ÷ 0.8% (Stoke-style target). Target investor price = rent ÷ 1% (strong cashflow band). Based on OpenRent comparables.*

## Rent-driven metrics

*Based on OpenRent comparables (median £1,400/mo).*

- **Gross yield:** 9.1%
- **Cost-to-rent:** 11×
- **Monthly cashflow:** £506/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 11.3%

*Gross yield = annual rent as % of price (no costs). Cost-to-rent = price ÷ annual rent (from OpenRent comparables); under 14× = strong, 14–16× = acceptable, 17×+ = compressed. Cashflow = rent − mortgage − 10% maintenance − £25/mo compliance; assumes 75% LTV, 3.95% APR (5yr fixed), 25yr term. ROI = annual profit ÷ cash in (deposit + 4% purchase costs).*

## Flood risk

- **Zone:** 1
- **Risk:** Low
- **Source:** Not in Flood Risk Area (no data)

[Check long-term flood risk (GOV.UK)](https://check-long-term-flood-risk.service.gov.uk/postcode)

## Street-level crime

- **Total incidents:** 0

*Within 1 mile during May 2026. Source: data.police.uk (England & Wales).*

## Schools nearby

*Nearest open schools with Ofsted ratings (England). Closed schools are not shown.*

| Name | Type | Distance | Ofsted |
|------|------|----------|--------|
| Harpurhey Alternative Provision School | Other | 0.1 miles | Inadequate — 24 Feb 2023 |
| St Dunstan's RC Primary School | Primary | 0.2 miles | Good — 21 Apr 2016 |
| Lily Lane Primary School | Primary | 0.4 miles | Inadequate — 18 Jul 2022 |
| Co-op Academy Broadhurst | Primary | 0.4 miles | Good — 23 Nov 2017 |
| Camberwell Park Specialist Support School | Other | 0.5 miles | — (No rating) |

## FENSA Certificates

This property has 1 FENSA certificate(s) on record.

### FENSA Certificate #4607327
- **Address:** 8 Ramsey Street, MANCHESTER, M40 5HW
- **Certificate Issued:** 03/04/2007
- **Work Completed:** 16/03/2007
- **Items:** 2 window(s)