# 4 bedroom terraced house for rent (ST5 6JJ)

## Property Details

| Key | Value |
|-----|-------|
| Address | 91 CHURCH STREET, NEWCASTLE, SILVERDALE, STAFFORDSHIRE ST5 6JJ |
| Price | £1,610 pcm |
| Bedrooms | 4 |
| Bathrooms | 1 |
| Construction age | England and Wales: before 1900 |
| Floor area | 75 m² |
| Last sold | £110,000 Jun 2023 |

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** B
- **Expiry date:** 24/02/2033
- **Current heating cost:** £1,819/year
- **Est. upgrade cost to C:** £25,675

### Recommendations
- A2 (£850 - £1,500)
- B (£500 - £1,500)
- Q (£4,000 - £14,000)
- W2 (£4,000 - £6,000)
- N (£4,000 - £6,000)
- U (£3,500 - £5,500)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/4400-2355-0622-0223-3273)

## Description

Nicholas Humphreys are pleased to offer this beautifully presented four bedroom, one bathroom student house in Newcastle-Under-Lyme available for the 2026/2027 academic year! EPC rating: D.

## Property Photos

- ![Photo](/listings/photos/168043592/10314)
- ![Photo](/listings/photos/168043592/10316)
- ![Photo](/listings/photos/168043592/10317)
- ![Photo](/listings/photos/168043592/10324)
- ![Photo](/listings/photos/168043592/10327)
- ![Photo](/listings/photos/168043592/10328)
- ![Photo](/listings/photos/168043592/10331)
- ![Photo](/listings/photos/168043592/10332)
- ![Photo](/listings/photos/168043592/10333)
- ![Photo](/listings/photos/168043592/10335)

## EPC Graphs

- ![EPC Certificate](/listings/photos/168043592/10336) - EPC Certificate

## FENSA Certificates

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

### FENSA Certificate #8212603
- **Address:** 91 Church Street, Silverdale, ST5 6JJ
- **Certificate Issued:** 13/06/2011
- **Work Completed:** 24/01/2011
- **Items:** 1 door(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 91 CHURCH STREET, SILVERDALE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JJ | £110,000 | 02/06/2023 | Terraced |
| 91 CHURCH STREET, SILVERDALE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JJ | £62,000 | 30/11/2015 | Terraced |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 116 CHURCH STREET, SILVERDALE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JH | £145,000 | 20/11/2025 | Terraced |
| 103 HIGH STREET, SILVERDALE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6LY | £121,000 | 31/10/2025 | Terraced |
| 34 KINSEY STREET, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JL | £111,000 | 12/05/2025 | Terraced |
| 10 MAY STREET, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6LZ | £126,000 | 14/10/2024 | Terraced |
| 26 KINSEY STREET, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JL | £140,000 | 27/09/2024 | Terraced |
| 4 KINSEY STREET, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JL | £70,000 | 04/09/2024 | Terraced |
| 34 VALE STREET, SILVERDALE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6QB | £175,000 | 01/12/2023 | Terraced |
| 47 KINSEY STREET, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JL | £145,000 | 27/10/2023 | Terraced |
| 55 HIGH STREET, SILVERDALE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6LY | £50,000 | 18/08/2023 | Terraced |
| 14 MADELEY STREET, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6LS | £50,000 | 10/08/2023 | Terraced |
| 27 KINSEY STREET, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JL | £85,500 | 01/08/2023 | Terraced |
| [Same street] 133 CHURCH STREET, SILVERDALE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JJ | £128,000 | 26/07/2023 | Terraced |
| 12 ABBEY STREET, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6NB | £80,000 | 18/07/2023 | Terraced |
| 18 FORD STREET, SILVERDALE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6LT | £81,000 | 07/07/2023 | Terraced |
| 8 PARK ROAD, SILVERDALE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6LL | £132,000 | 02/06/2023 | Terraced |
| 49 KINSEY STREET, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JL | £140,000 | 27/03/2023 | Terraced |
| 18 SILVERDALE SIDINGS, SILVERDALE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JF | £140,000 | 20/03/2023 | Terraced |
| 7 KINSEY STREET, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JL | £130,000 | 10/02/2023 | Terraced |
| [Same street] 99A CHURCH STREET, SILVERDALE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JJ | £110,000 | 09/11/2022 | Terraced |
| 12 SNEYD TERRACE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JT | £143,000 | 28/10/2022 | Terraced |
| 37 KINSEY STREET, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JL | £128,000 | 28/10/2022 | Terraced |
| [Same street] 85 CHURCH STREET, SILVERDALE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JJ | £104,000 | 21/10/2022 | Terraced |
| 150 CHURCH STREET, SILVERDALE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JH | £85,000 | 21/10/2022 | Terraced |
| [Same street] 133 CHURCH STREET, SILVERDALE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JJ | £92,000 | 11/10/2022 | Terraced |
| [Same street] 99 CHURCH STREET, SILVERDALE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JJ | £130,000 | 30/09/2022 | Terraced |
| [Same street] 131 CHURCH STREET, SILVERDALE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JJ | £125,000 | 23/06/2022 | Terraced |
| [Same street] 117 CHURCH STREET, SILVERDALE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JJ | £127,150 | 27/05/2022 | Terraced |
| [Same street] 93 CHURCH STREET, SILVERDALE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JJ | £106,500 | 29/04/2022 | Terraced |
| [Same street] 79 CHURCH STREET, SILVERDALE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JJ | £90,000 | 11/02/2022 | Terraced |
| [Same street] 109 CHURCH STREET, SILVERDALE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JJ | £145,000 | 20/09/2021 | Semi-detached |
| [Same street] 89 CHURCH STREET, SILVERDALE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JJ | £78,000 | 01/09/2021 | Terraced |
| [Same street] 89 CHURCH STREET, SILVERDALE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JJ | £80,000 | 25/08/2021 | Terraced |

**Street average:** £109,638 (12 sales)
**Area average:** £113,875 (20 sales)

## Price vs local average

*Outcode + property type (HousePrices, last 2 years).*

- **Local average:** £142,060 (109 Terraced, ST5, 2024–2026)
- **Deviation:** -98.9%

## Rental Range

*ONS Price Index of Private Rents (Newcastle-under-Lyme). Low / Realistic / Optimistic = conservative / average / best case.*

- **Low:** £744/mo
- **Realistic:** £827/mo
- **Optimistic:** £910/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £798/mo

## 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 |
|------|------|------|------|------|
| 4 Bed Detached House, Sutton Avenue, ST5 | £1,700/mo | 4 | 0.32 miles | OpenRent |
| [Sutton Avenue, Newcastle-Under-Lyme, ST5](http://87.117.209.195:8080/listings/5831bc6) | £1,700/mo | 4 | 0.32 miles | Rightmove |
| [Snowgoose Way, Newcastle](http://87.117.209.195:8080/listings/0acee5e) | £1,600/mo | 4 | 1.1 miles | Rightmove |
| 4 Bed Semi-Detached House, Vickers Close, ST5 | £1,550/mo | 4 | 1.17 miles | OpenRent |
| [Vickers Close, Newcastle Under Lyme, ST5](http://87.117.209.195:8080/listings/bce0627) | £1,550/mo | 4 | 1.17 miles | Rightmove |
| [Car Park Lymedale Cross Industrial Estate, Newcastle Under Lyme ST5](http://87.117.209.195:8080/listings/bced143) | £1/mo | — | 1.35 miles | Rightmove |
| [Essex Place, The Westlands, Newcastle-Under-Lyme, Staffordshire, ST5](http://87.117.209.195:8080/listings/2ae0ad7) | £1,995/mo | 4 | 1.82 miles | Rightmove |
| [Beresford Crescent, Newcastle-Under-Lyme, ST5](http://87.117.209.195:8080/listings/c0ffc5e) | £3,950/mo | 4 | 1.85 miles | Rightmove |
| [First Floor Flat, 65 High Street, Newcastle, ST5 1PN](http://87.117.209.195:8080/listings/111aff4) | £725/mo | — | 1.88 miles | Rightmove |
| [The Coach House, Butterton, Newcastle Under Lyme, Staffordshire, ST5](http://87.117.209.195:8080/listings/9c3c8f4) | £4,995/mo | 4 | 2.69 miles | Rightmove |
| [The Coach House, Butterton, ST5](http://87.117.209.195:8080/listings/51f5948) | £3,000/mo | 4 | 2.7 miles | Rightmove |
| [Whitmore Heath, Newcastle, Staffordshire, ST5](http://87.117.209.195:8080/listings/b4d8ac9) | £1,800/mo | 4 | 3.7 miles | Rightmove |
| [Newcastle Road, Whitmore, Newcastle, Staffordshire, ST5](http://87.117.209.195:8080/listings/d3059aa) | £2,700/mo | — | 3.88 miles | Rightmove |

**Average rent: £2,097/mo (13 listings)**

## 1% Rule

- **Rent ratio:** 105.59% (strong)
- **Max investor price (0.8%):** £212,500
- **Target investor price (1%):** £170,000

*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 £1,700/mo).*

- **Gross yield:** 1267.1%
- **Cost-to-rent:** 0.1×
- **Monthly cashflow:** £1,499/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 3851.8%

*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).*

## Price per Square Metre

- **£/m²:** £21/m²

## Capital growth trend

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

- **5y growth:** 14.7%
- **10y growth:** 35.1%

## House Price Index (HM Land Registry)

*Official index for Newcastle-under-Lyme; Terraced series; as of May 2026.*

- **1y growth (index):** 3.5%
- **5y growth (index):** 30.9%
- **10y growth (index):** 59.2%

## Flood risk

- **Zone:** 1
- **Risk:** Low
- **Source:** Job (default Low)

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