# 4 bedroom terraced house for rent (ST4 2RD)

## Property Details

| Key | Value |
|-----|-------|
| Address | 61 ELGIN STREET, STOKE-ON-TRENT, STOKE-ON-TRENT, STOKE-ON-TRENT ST4 2RD |
| Price | £1,018 pcm |
| Bedrooms | 4 |
| Bathrooms | 1 |
| Council tax | A |
| Last sold | £16,000 Sep 2002 |

## Description

Nicholas Humphreys are pleased to offer this beautifully presented 4 bedroom student home situated in Shelton! EPC rating: D.

## Property Photos

- ![Photo](/listings/photos/168570434/9894)
- ![Photo](/listings/photos/168570434/9895)
- ![Photo](/listings/photos/168570434/9896)
- ![Photo](/listings/photos/168570434/9899)
- ![Photo](/listings/photos/168570434/9901)
- ![Photo](/listings/photos/168570434/9902)
- ![Photo](/listings/photos/168570434/9904)
- ![Photo](/listings/photos/168570434/9906)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 61 ELGIN STREET, STOKE-ON-TRENT, ST4 2RD | £16,000 | 05/09/2002 | 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 |
|---------|-------|------|------|
| [Same street] 62 ELGIN STREET, STOKE-ON-TRENT, ST4 2RD | £88,000 | 05/09/2025 | Terraced |
| [Same street] 23 ELGIN STREET, STOKE-ON-TRENT, ST4 2RD | £137,000 | 18/08/2025 | Terraced |
| [Same street] 57 ELGIN STREET, STOKE-ON-TRENT, ST4 2RD | £85,250 | 14/07/2025 | Terraced |
| 17 HAYWOOD STREET, STOKE-ON-TRENT, ST4 2RB | £75,000 | 07/05/2025 | Terraced |
| [Same street] 64 ELGIN STREET, STOKE-ON-TRENT, ST4 2RD | £90,000 | 14/02/2025 | Terraced |
| [Same street] 65 ELGIN STREET, STOKE-ON-TRENT, ST4 2RD | £96,000 | 18/10/2024 | Terraced |
| 27 SEAFORD STREET, STOKE-ON-TRENT, ST4 2EU | £175,000 | 27/03/2024 | Terraced |
| [Same street] 74 ELGIN STREET, STOKE-ON-TRENT, ST4 2RD | £85,000 | 20/12/2023 | Terraced |
| [Same street] 30 ELGIN STREET, STOKE-ON-TRENT, ST4 2RD | £80,000 | 20/12/2023 | Terraced |
| 25 ASHFORD STREET, STOKE-ON-TRENT, ST4 2EH | £131,000 | 18/12/2023 | Terraced |
| [Same street] 42 ELGIN STREET, STOKE-ON-TRENT, ST4 2RD | £50,000 | 28/11/2023 | Terraced |
| 22 QUEEN ANNE STREET, STOKE-ON-TRENT, ST4 2EQ | £140,000 | 17/11/2023 | Terraced |
| [Same street] 30 ELGIN STREET, STOKE-ON-TRENT, ST4 2RD | £68,000 | 25/10/2023 | Terraced |
| 30 BERESFORD STREET, STOKE-ON-TRENT, ST4 2EX | £50,000 | 12/09/2023 | Terraced |
| 53 ASHFORD STREET, STOKE-ON-TRENT, ST4 2EH | £145,000 | 30/08/2023 | Terraced |
| 55 ASHFORD STREET, STOKE-ON-TRENT, ST4 2EH | £165,000 | 30/08/2023 | Terraced |
| 13 BERESFORD STREET, STOKE-ON-TRENT, ST4 2EX | £138,000 | 11/08/2023 | Terraced |
| [Same street] 32 ELGIN STREET, STOKE-ON-TRENT, ST4 2RD | £90,000 | 28/07/2023 | Terraced |
| 14 ASHFORD STREET, STOKE-ON-TRENT, ST4 2EH | £118,000 | 28/07/2023 | Terraced |
| 37 HAYWOOD STREET, STOKE-ON-TRENT, ST4 2RB | £76,500 | 27/06/2023 | Terraced |
| [Same street] 25 ELGIN STREET, STOKE-ON-TRENT, ST4 2RD | £95,000 | 03/05/2023 | Semi-detached |
| 36 SEAFORD STREET, STOKE-ON-TRENT, ST4 2EU | £148,500 | 04/04/2023 | Terraced |
| 36 SEAFORD STREET, STOKE-ON-TRENT, ST4 2EU | £148,500 | 04/04/2023 | Terraced |
| [Same street] 59 ELGIN STREET, STOKE-ON-TRENT, ST4 2RD | £88,000 | 22/03/2023 | Terraced |
| 37 HAYWOOD STREET, STOKE-ON-TRENT, ST4 2RB | £45,000 | 16/03/2023 | Terraced |
| 49 AYNSLEY ROAD, STOKE-ON-TRENT, ST4 2RA | £229,000 | 20/01/2023 | Terraced |
| [Same street] 45 ELGIN STREET, STOKE-ON-TRENT, ST4 2RD | £98,000 | 04/01/2023 | Terraced |
| 19 SEAFORD STREET, STOKE-ON-TRENT, ST4 2EU | £140,000 | 21/12/2022 | Terraced |
| [Same street] 72 ELGIN STREET, STOKE-ON-TRENT, ST4 2RD | £98,000 | 25/11/2022 | Other |
| 42 CAULDON ROAD, STOKE-ON-TRENT, ST4 2ED | £107,000 | 21/11/2022 | Terraced |
| 66 BERESFORD STREET, STOKE-ON-TRENT, ST4 2EX | £125,000 | 16/11/2022 | Terraced |
| 57 BERESFORD STREET, STOKE-ON-TRENT, ST4 2EX | £159,950 | 28/10/2022 | Terraced |
| [Same street] 38 ELGIN STREET, STOKE-ON-TRENT, ST4 2RD | £81,000 | 10/10/2022 | Terraced |
| 50 QUEEN ANNE STREET, STOKE-ON-TRENT, ST4 2EQ | £172,000 | 04/10/2022 | Terraced |
| 36 QUEEN ANNE STREET, STOKE-ON-TRENT, ST4 2EQ | £172,000 | 04/10/2022 | Terraced |

**Street average:** £88,617 (15 sales)
**Area average:** £133,023 (20 sales)

## Price vs local average

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

- **Local average:** £112,840 (152 Terraced, ST4, 2024–2026)
- **Deviation:** -99.1%

## Rental Range

*ONS Price Index of Private Rents (Stoke-on-Trent). Low / Realistic / Optimistic = conservative / average / best case.*

- **Low:** £637/mo
- **Realistic:** £708/mo
- **Optimistic:** £779/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 |
|------|------|------|------|------|
| [Penstock Drive, Stoke-on-Trent, ST4 7GF](http://87.117.209.195:8080/listings/1744fd9) | £675/mo | — | 0.35 miles | Rightmove |
| [Oriel Street, STOKE-ON-TRENT](http://87.117.209.195:8080/listings/dfc02c0) | £1,150/mo | 4 | 0.56 miles | Rightmove |
| [Claridge Road, Stoke-on-Trent, Staffordshire, ST4](http://87.117.209.195:8080/listings/39149e1) | £625/mo | — | 1.01 miles | Rightmove |
| [Linley Road, Stoke-on-Trent, ST4](http://87.117.209.195:8080/listings/d097e73) | £1,495/mo | 4 | 1.06 miles | Rightmove |
| [Kennington Oval, Trentham Lakes, Stoke on Trent, Staffordshire, ST4](http://87.117.209.195:8080/listings/329639a) | £1,395/mo | 4 | 2.91 miles | Rightmove |
| [Wymondley Grove, Stoke-on-Trent, Staffordshire, ST4](http://87.117.209.195:8080/listings/9e4ce6d) | £1,750/mo | 4 | 3.41 miles | Rightmove |

**Average rent: £1,182/mo (6 listings)**

## 1% Rule

- **Rent ratio:** 125.05% (strong)
- **Max investor price (0.8%):** £159,125
- **Target investor price (1%):** £127,300

*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 £1,273/mo).*

- **Gross yield:** 1500.6%
- **Cost-to-rent:** 0.1×
- **Monthly cashflow:** £1,117/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 4539.1%

*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).*

## Capital growth trend

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

- **5y growth:** 9.7%
- **10y growth:** 20.1%

## House Price Index (HM Land Registry)

*Official index for Stoke-on-Trent; Terraced series; as of March 2026.*

- **1y growth (index):** 1.8%
- **5y growth (index):** 26.4%
- **10y growth (index):** 64.5%

## 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)