Monthly mortgage payment, average UK home priced in Bitcoin: 2015 to 2025
Priced in fiat
Priced in sats
Monthly mortgage payment, average UK home (per month) cost £574 in 2015 and £1,091 in 2025, a change of +90% in pounds across 10 years. The figures are annual averages from Derived: HM Land Registry UK HPI and Bank of England IUMBV34. The fiat peak in this series came in 2023 at £1,171.
Priced in sats, the same item went from 317,127,072 sats to 1,412,316 sats, a change of −99.6%. The conversion uses the yearly average BTC price for each matching year, never a rate from a different era. The least flattering single step for the sats series was 2021 to 2022, when this item moved +116.4% in sats terms. Short windows can and do run against the holder; the direction across the full series is what the chart shows.
The payment fell for years as rates sank even while prices rose. The 2022 to 2023 rate shock then repriced the entire mortgage market in eighteen months.
Housing is where the melting unit hurts the most, because the sums are the largest and the borrowing longest. The main page shows how the whole cost of living behaves when the measuring stick is fixed.
| Year | Pounds | Sats |
|---|---|---|
| 2015 | £574 | 317,127,072 |
| 2016 | £600 | 136,054,422 |
| 2017 | £609 | 21,301,154 |
| 2018 | £645 | 12,188,209 |
| 2019 | £644 | 10,946,796 |
| 2020 | £662 | 7,265,145 |
| 2021 | £705 | 2,029,011 |
| 2022 | £971 | 4,390,685 |
| 2023 | £1,171 | 4,956,404 |
| 2024 | £1,121 | 2,143,035 |
| 2025 | £1,091 | 1,412,316 |
Source: Derived: HM Land Registry UK HPI and Bank of England IUMBV34. Sats = fiat price ÷ BTC price in that currency × 100,000,000, using yearly average BTC rates. Data vintage 2026-07-04. Full method on the main page.