# 2 bedroom terraced house for sale (IP6 8EH)

## Property Details

| Key | Value |
|-----|-------|
| Address | 20 IPSWICH ROAD, IPSWICH, NEEDHAM MARKET, SUFFOLK IP6 8EH |
| Price | £160,000 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Construction age | England and Wales: 1900-1929 |
| Floor area | 63 m² |
| Last sold | £145,000 Dec 2023 |

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** B
- **Current heating cost:** £1,747/year
- **Est. upgrade cost to C:** £23,900

### Recommendations
- Q (£4,000 - £14,000)
- W2 (£4,000 - £6,000)
- G (£350 - £450)
- 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/9082-3028-8203-5147-6200)

## Description

**Description** **** An opportunity to acquire a characterful yet unlisted two bedroom terraced cottage in the heart of Needham Market.

The property requires renovation and updating and is offered with no onward chain.

Other notable benefits include rear cottage gardens.

The accommodation comprises: Sitting room, dining room, kitchen, rear hall, bathroom, first floor landing and two bedrooms. 

**About** **the** **Area** **** Needham Market is a desirable small town situated in the heart of Mid Suffolk between the towns of Bury St Edmunds and Ipswich. There are a range of everyday amenities and individual shops including butcher, baker, tea shops/cafes, public houses, take-away restaurants, a post office and a Co-op supermarket. There is also a library, community centre, dentist and a good local primary school. Alder Carr Farm offers fresh farm food for sale and a restaurant. 

Needham Market also has good transport links with bus and train services into Stowmarket and Ipswich, where there are mainline services to London Liverpool Street Station. A range of events are held throughout the year, including street fairs and raft racing at Needham Lake which is a Conservation Area with a number of countryside walks.

The nearby towns of Stowmarket, Bury St Edmunds and Ipswich provide further amenities, recreational and cultural facilities and a range of individual high street stores. 

The accommodation in more detail comprises: 

**Front** **door** **to:** ****  

**Sitting** **Room** **Approx** **12'2 x 11'10 (3.70m x 3.60m)** Window to front aspect, feature inset with brick surround, electric fire and wooden mantel over, door opening to staircase, open studwork and step down to: 

**Dining** **Room** **Approx** **13'5 x 8'4 (4.10m x 2.55m)** Window to rear aspect and door to: 

**Kitchen** **Approx** **8'7 x 7'5 (2.61m x 2.25m)** Fitted with a matching range of wall and base units with worktops over and inset with sink, drainer and chrome mixer tap. Window to side aspect, extractor, space for washing machine and cooker, housing for electric boiler and door to: 

**Rear** **Hall** **** Personnel door to side, linoleum flooring and door to: 

**Bathroom** **** Coloured suite comprising w.c, hand wash basin, panelled bath, partly tiled walls, extractor and window to side aspect. 

**First** **Floor** **Landing** **** Access to loft, housing for electric meters and doors to: 

**Master** **Bedroom** **Approx** **12'2 x 8'10 (3.71m x 2.69m)** Double room with window to front aspect and door to storage cupboard with shelving. 

**Bedroom** **Two** **Approx** **12'2 x 8'4 (3.70m x 2.55m)** Window to rear aspect and door to storage cupboard. 

**Outside** **** The property fronts a main thoroughfare into Needham Market and enjoys an attractive red brick frontage.

To the rear is a courtyard which in turn has a gate opening into a shared service area leading to the private rear gardens (slightly detached from the property), which are predominantly lawned as well as incorporating a sun terrace and boundaries are defined by fencing and hedging. 

**Local** **Authority** **** Mid Suffolk District Council 

**Council** **Tax** **Band** **-** **A** ****  

**Services** **** Mains water, drainage and electricity. Electric heating. 

**Disclaimer** **** Town & Village Properties (and its subsidiaries and their joint Agents where applicable) for themselves and for the vendors or lessors of this property for whom they act, give notice that (I) these particulars are a general outline only for the guidance of prospective purchasers or tenants, and do not constitute the whole or any part of an offer or contract (II) Town & Village Properties cannot guarantee the accuracy of any description, dimensions, references to conditions, necessary permissions for use and occupancy and other details contained herein and prospective purchasers or tenants must not rely on them as statements of fact or representations and must satisfy themselves as to their accuracy, (III) No employee of Town & Village Properties (and its subsidiaries and their joint Agents where applicable) has any authority to make or give any representation or warranty or enter into any contract whatever in relation to the property, (IV) Town & Village Properties (and its subsidiaries and their joint Agents where applicable) will not be liable in negligence or otherwise, for any loss arising from the use of these particulars and Town & Village Properties (and its subsidiaries and their joint Agents where applicable) have not tested any apparatus, equipment, fixtures and fittings or services and so cannot verify that they are in working order or fit for the purpose. A buyer is advised to obtain verification from their Solicitor, (V) Photographs will only show certain parts of the property and assumptions should not be made in respect of those parts of the property that have not been photographed. (Items or contents shown in the photographs are not included as part of the sale unless specified otherwise. It should not be assumed the property will remain as shown in the photograph. Photographs are taken using a wide-angle lens. 

## Property Photos

- ![Photo](/listings/photos/137937551/634173)
- ![Photo](/listings/photos/137937551/634181)
- ![Photo](/listings/photos/137937551/634183)
- ![Photo](/listings/photos/137937551/634186)
- ![Photo](/listings/photos/137937551/634188)
- ![Photo](/listings/photos/137937551/634191)
- ![Photo](/listings/photos/137937551/634194)
- ![Photo](/listings/photos/137937551/634195)
- ![Photo](/listings/photos/137937551/634198)
- ![Photo](/listings/photos/137937551/634201)
- ![Photo](/listings/photos/137937551/634203)

## Floorplans

- ![Floorplan 1](/listings/photos/137937551/634205) - Floorplan 1

## EPC Graphs

- ![EPC Front Page](/listings/photos/137937551/634209) - EPC Front Page

## FENSA Certificates

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

### FENSA Certificate #6878978
- **Address:** 20 Ipswich Road, Needham Market, IP6 8EH
- **Certificate Issued:** 06/10/2009
- **Work Completed:** 24/08/2009
- **Items:** 2 window(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 20 IPSWICH ROAD, NEEDHAM MARKET, IPSWICH, MID SUFFOLK, SUFFOLK, IP6 8EH | £145,000 | 05/12/2023 | 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 |
|---------|-------|------|------|
| 17 HIGH STREET, NEEDHAM MARKET, IPSWICH, MID SUFFOLK, SUFFOLK, IP6 8AL | £350,000 | 17/12/2025 | Terraced |
| FOX MALTINGS 1 HIGH STREET, NEEDHAM MARKET, IPSWICH, MID SUFFOLK, SUFFOLK, IP6 8AP | £178,000 | 20/06/2025 | Terraced |
| FOX MALTINGS 4 HIGH STREET, NEEDHAM MARKET, IPSWICH, MID SUFFOLK, SUFFOLK, IP6 8AP | £195,000 | 31/03/2025 | Terraced |
| 17 IPSWICH ROAD, NEEDHAM MARKET, IPSWICH, MID SUFFOLK, SUFFOLK, IP6 8EQ | £205,000 | 28/03/2025 | Terraced |
| 53 PINECROFT WAY, NEEDHAM MARKET, IPSWICH, MID SUFFOLK, SUFFOLK, IP6 8HB | £200,000 | 15/12/2023 | Terraced |
| 18 MORRIS WAY, NEEDHAM MARKET, IPSWICH, MID SUFFOLK, SUFFOLK, IP6 8TD | £210,000 | 29/09/2023 | Terraced |
| 97 HARGRAVE AVENUE, NEEDHAM MARKET, IPSWICH, MID SUFFOLK, SUFFOLK, IP6 8ES | £270,000 | 19/05/2023 | Terraced |
| 26 HIGH STREET, NEEDHAM MARKET, IPSWICH, MID SUFFOLK, SUFFOLK, IP6 8AP | £421,000 | 21/04/2023 | Terraced |
| 2 MORRIS WAY, NEEDHAM MARKET, IPSWICH, MID SUFFOLK, SUFFOLK, IP6 8TD | £155,000 | 30/03/2023 | Terraced |
| 18 LUPIN WAY, NEEDHAM MARKET, IPSWICH, MID SUFFOLK, SUFFOLK, IP6 8TA | £232,500 | 16/12/2022 | Terraced |
| 37 JUBILEE CRESCENT, NEEDHAM MARKET, IPSWICH, MID SUFFOLK, SUFFOLK, IP6 8AT | £320,000 | 30/11/2022 | Terraced |
| 8 HIGH STREET, NEEDHAM MARKET, IPSWICH, MID SUFFOLK, SUFFOLK, IP6 8AP | £350,000 | 18/10/2022 | Terraced |
| 20 PINECROFT WAY, NEEDHAM MARKET, IPSWICH, MID SUFFOLK, SUFFOLK, IP6 8HB | £283,000 | 16/09/2022 | Terraced |
| 7 PHILLIPS CRESCENT, NEEDHAM MARKET, IPSWICH, MID SUFFOLK, SUFFOLK, IP6 8TF | £297,500 | 08/09/2022 | Terraced |
| THE COTTAGE, 14 JUBILEE CRESCENT, NEEDHAM MARKET, IPSWICH, MID SUFFOLK, SUFFOLK, IP6 8AT | £410,000 | 05/08/2022 | Terraced |
| 19 JACKSON WAY, NEEDHAM MARKET, IPSWICH, MID SUFFOLK, SUFFOLK, IP6 8TJ | £215,000 | 09/06/2022 | Terraced |
| 1 CODDENHAM ROAD, NEEDHAM MARKET, IPSWICH, MID SUFFOLK, SUFFOLK, IP6 8AU | £198,000 | 13/05/2022 | Terraced |
| 19 HIGH STREET, NEEDHAM MARKET, IPSWICH, MID SUFFOLK, SUFFOLK, IP6 8AL | £400,500 | 07/01/2022 | Terraced |
| 23 HIGH STREET, NEEDHAM MARKET, IPSWICH, MID SUFFOLK, SUFFOLK, IP6 8AL | £405,000 | 07/01/2022 | Terraced |
| 5 BARKING ROAD, NEEDHAM MARKET, IPSWICH, MID SUFFOLK, SUFFOLK, IP6 8EN | £225,000 | 09/12/2021 | Terraced |

**Area average:** £276,025 (20 sales)

## Price vs local average

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

- **Local average:** £235,078 (16 Terraced, IP6, 2024–2026)
- **Deviation:** -31.9%

## Rental Range

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

- **Low:** £885/mo
- **Realistic:** £983/mo
- **Optimistic:** £1,081/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £715/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 |
|------|------|------|------|------|
| 2 Bed End Terrace, Stowmarket Road, IP6 | £925/mo | 2 | 0.45 miles | OpenRent |
| 2 Bed Terraced House, Victoria Gardens, IP6 | £1,100/mo | 2 | 0.55 miles | OpenRent |

**Average rent: £1,013/mo (2 listings)**

## 1% Rule

- **Rent ratio:** 0.63% (weak for cashflow)
- **Max investor price (0.8%):** £126,625
- **Target investor price (1%):** £101,300

*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 £1,013/mo).*

- **Gross yield:** 7.6%
- **Cost-to-rent:** 13.2×
- **Monthly cashflow:** £257/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 6.6%

*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:** £2,540/m²

## Capital growth trend

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

- **5y growth:** -3.5%
- **10y growth:** 7.1%

## House Price Index (HM Land Registry)

*Official index for Mid Suffolk; Terraced series; as of March 2026.*

- **1y growth (index):** 2.2%
- **5y growth (index):** 11.6%
- **10y growth (index):** 33.3%

## 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)