MK40 3 postcode sector in the MK40 district

MK40 3 is a sector of the MK40 district: every postcode that starts MK40 3. It has 216 postcodes in use, 4 of them large-user postcodes. A large-user postcode is one Royal Mail gives to a single address that gets a lot of mail.

Not sure what a sector is? UK postcode format explained.

Every postcode in the MK40 3 sector, by flood risk

Map of every postcode in the MK40 3 sector, by flood risk Of the 216 postcodes in the MK40 3 sector that ONS places, 2 have a home or business at high risk, 3 are at low risk at worst, 2 are at very low risk only and 209 are not on the Environment Agency's at-risk list. Places named: Bedford. Drawn over roads, rivers and built-up areas. North is up; the scale bar is 250 m. A4280 MK40 3AA: not on the flood risk listMK40 3AD: not on the flood risk listMK40 3AE: not on the flood risk listMK40 3AF: not on the flood risk listMK40 3AG: not on the flood risk listMK40 3AJ: not on the flood risk listMK40 3AL: not on the flood risk listMK40 3AN: not on the flood risk listMK40 3AP: not on the flood risk listMK40 3AR: not on the flood risk listMK40 3AS: not on the flood risk listMK40 3AT: not on the flood risk listMK40 3AU: not on the flood risk listMK40 3AW: not on the flood risk listMK40 3AX: not on the flood risk listMK40 3AY: not on the flood risk listMK40 3AZ: not on the flood risk listMK40 3BA: not on the flood risk listMK40 3BB: not on the flood risk listMK40 3BD: not on the flood risk listMK40 3BE: not on the flood risk listMK40 3BG: not on the flood risk listMK40 3BH: not on the flood risk listMK40 3BJ: not on the flood risk listMK40 3BL: not on the flood risk listMK40 3BQ: not on the flood risk listMK40 3BS: not on the flood risk listMK40 3BT: not on the flood risk listMK40 3BU: not on the flood risk listMK40 3BY: not on the flood risk listMK40 3BZ: not on the flood risk listMK40 3DA: not on the flood risk listMK40 3DB: not on the flood risk listMK40 3DD: not on the flood risk listMK40 3DE: not on the flood risk listMK40 3DF: not on the flood risk listMK40 3DG: not on the flood risk listMK40 3DH: not on the flood risk listMK40 3DJ: not on the flood risk listMK40 3DL: not on the flood risk listMK40 3DN: not on the flood risk listMK40 3DP: not on the flood risk listMK40 3DQ: not on the flood risk listMK40 3DR: not on the flood risk listMK40 3DS: not on the flood risk listMK40 3DT: not on the flood risk listMK40 3DU: not on the flood risk listMK40 3DW: not on the flood risk listMK40 3DX: not on the flood risk listMK40 3DY: not on the flood risk listMK40 3EA: not on the flood risk listMK40 3EB: not on the flood risk listMK40 3EE: not on the flood risk listMK40 3EF: not on the flood risk listMK40 3EG: not on the flood risk listMK40 3EJ: not on the flood risk listMK40 3EL: not on the flood risk listMK40 3EN: not on the flood risk listMK40 3EP: not on the flood risk listMK40 3EQ: not on the flood risk listMK40 3EU: not on the flood risk listMK40 3EW: not on the flood risk listMK40 3EX: not on the flood risk listMK40 3FA: not on the flood risk listMK40 3FB: not on the flood risk listMK40 3FD: not on the flood risk listMK40 3FE: not on the flood risk listMK40 3FF: not on the flood risk listMK40 3FG: not on the flood risk listMK40 3FH: not on the flood risk listMK40 3FJ: not on the flood risk listMK40 3FL: not on the flood risk listMK40 3FN: not on the flood risk listMK40 3GB: not on the flood risk listMK40 3GD: not on the flood risk listMK40 3HD: not on the flood risk listMK40 3HP: not on the flood risk listMK40 3HR: not on the flood risk listMK40 3HS: not on the flood risk listMK40 3HU: not on the flood risk listMK40 3HY: not on the flood risk listMK40 3HZ: not on the flood risk listMK40 3JA: not on the flood risk listMK40 3JB: not on the flood risk listMK40 3JD: not on the flood risk listMK40 3JG: not on the flood risk listMK40 3JJ: not on the flood risk listMK40 3JN: not on the flood risk listMK40 3JP: not on the flood risk listMK40 3JR: not on the flood risk listMK40 3JT: not on the flood risk listMK40 3JW: not on the flood risk listMK40 3JY: not on the flood risk listMK40 3LH: not on the flood risk listMK40 3NB: not on the flood risk listMK40 3ND: not on the flood risk listMK40 3NE: not on the flood risk listMK40 3NF: not on the flood risk listMK40 3NH: not on the flood risk listMK40 3NR: not on the flood risk listMK40 3NT: not on the flood risk listMK40 3NU: not on the flood risk listMK40 3NX: not on the flood risk listMK40 3NY: not on the flood risk listMK40 3PB: not on the flood risk listMK40 3PD: not on the flood risk listMK40 3PF: not on the flood risk listMK40 3PG: not on the flood risk listMK40 3PH: not on the flood risk listMK40 3PJ: not on the flood risk listMK40 3PL: not on the flood risk listMK40 3PN: not on the flood risk listMK40 3PP: not on the flood risk listMK40 3PQ: not on the flood risk listMK40 3PR: not on the flood risk listMK40 3PS: not on the flood risk listMK40 3PT: not on the flood risk listMK40 3PW: not on the flood risk listMK40 3PX: not on the flood risk listMK40 3PY: not on the flood risk listMK40 3PZ: not on the flood risk listMK40 3QA: not on the flood risk listMK40 3QB: not on the flood risk listMK40 3QD: not on the flood risk listMK40 3QH: not on the flood risk listMK40 3QJ: not on the flood risk listMK40 3QL: not on the flood risk listMK40 3QN: not on the flood risk listMK40 3QP: not on the flood risk listMK40 3QR: not on the flood risk listMK40 3QS: not on the flood risk listMK40 3QT: not on the flood risk listMK40 3QU: not on the flood risk listMK40 3QW: not on the flood risk listMK40 3QX: not on the flood risk listMK40 3QY: not on the flood risk listMK40 3QZ: not on the flood risk listMK40 3RA: not on the flood risk listMK40 3RB: not on the flood risk listMK40 3RD: not on the flood risk listMK40 3RE: not on the flood risk listMK40 3RF: not on the flood risk listMK40 3RG: not on the flood risk listMK40 3RH: not on the flood risk listMK40 3RJ: not on the flood risk listMK40 3RL: not on the flood risk listMK40 3RN: not on the flood risk listMK40 3RP: not on the flood risk listMK40 3RQ: not on the flood risk listMK40 3RS: not on the flood risk listMK40 3RT: not on the flood risk listMK40 3RU: not on the flood risk listMK40 3RW: not on the flood risk listMK40 3RX: not on the flood risk listMK40 3RY: not on the flood risk listMK40 3RZ: not on the flood risk listMK40 3SA: not on the flood risk listMK40 3SD: not on the flood risk listMK40 3SE: not on the flood risk listMK40 3SF: not on the flood risk listMK40 3SG: not on the flood risk listMK40 3SH: not on the flood risk listMK40 3SJ: not on the flood risk listMK40 3SL: not on the flood risk listMK40 3SN: not on the flood risk listMK40 3SP: not on the flood risk listMK40 3SQ: not on the flood risk listMK40 3SR: not on the flood risk listMK40 3SS: not on the flood risk listMK40 3ST: not on the flood risk listMK40 3SU: not on the flood risk listMK40 3SW: not on the flood risk listMK40 3SX: not on the flood risk listMK40 3SY: not on the flood risk listMK40 3SZ: not on the flood risk listMK40 3TA: not on the flood risk listMK40 3TB: not on the flood risk listMK40 3TD: not on the flood risk listMK40 3TE: not on the flood risk listMK40 3TF: not on the flood risk listMK40 3TG: not on the flood risk listMK40 3TH: not on the flood risk listMK40 3TJ: not on the flood risk listMK40 3TL: not on the flood risk listMK40 3TP: not on the flood risk listMK40 3TQ: not on the flood risk listMK40 3TR: not on the flood risk listMK40 3TS: not on the flood risk listMK40 3TT: not on the flood risk listMK40 3TU: not on the flood risk listMK40 3TX: not on the flood risk listMK40 3TY: not on the flood risk listMK40 3TZ: not on the flood risk listMK40 3UA: not on the flood risk listMK40 3UB: not on the flood risk listMK40 3UD: not on the flood risk listMK40 3UE: not on the flood risk listMK40 3UF: not on the flood risk listMK40 3UG: not on the flood risk listMK40 3UH: not on the flood risk listMK40 3UJ: not on the flood risk listMK40 3UL: not on the flood risk listMK40 3UN: not on the flood risk listMK40 3UQ: not on the flood risk listMK40 3UR: not on the flood risk listMK40 3US: not on the flood risk listMK40 3UT: not on the flood risk listMK40 3UZ: not on the flood risk listMK40 3UX: very low flood risk onlyMK40 3UY: very low flood risk onlyMK40 3NZ: low flood risk at worstMK40 3PA: low flood risk at worstMK40 3SB: low flood risk at worstMK40 3PE: high flood riskMK40 3QF: high flood risk Bedford Map of every postcode in the MK40 3 sector, by flood risk Of the 216 postcodes in the MK40 3 sector that ONS places, 2 have a home or business at high risk, 3 are at low risk at worst, 2 are at very low risk only and 209 are not on the Environment Agency's at-risk list. Places named: Bedford. Drawn over roads, rivers and built-up areas. North is up; the scale bar is 250 m. Bedford
  • A home or business at high risk: 2
  • At medium risk at worst: 0
  • At low risk at worst: 3
  • At very low risk only: 2
  • Not on the at-risk list: 209

Of the 216 postcodes in the MK40 3 sector that ONS places, 2 have a home or business at high risk, 3 are at low risk at worst, 2 are at very low risk only and 209 are not on the Environment Agency's at-risk list.

Each mark is a postcode's centre point as ONS gives it, not a building. Press one to see its postcode and open its page. No boundary is drawn. Where marks overlap, the one first in the key is drawn; the counts include every postcode.

Source: Office for National Statistics (ONS) Postcode Directory, August 2026, loaded 20 October 2026, the centre point of each postcode; flood risk: Environment Agency, published 6 July 2026; roads, rivers and built-up areas: Contains OS data © Crown copyright and database right 2026. Drawn by us. Street map: Ordnance Survey, OS Open Zoomstack, Open Government Licence v3.0, drawn with MapLibre. How we use them

The postcodes at high risk

Beside each: how many of its homes and businesses the Environment Agency puts at that risk.

MK40 3QF4 at high riskMK40 3PE1 at high risk

What do homes sell for in MK40 3?

Homes in MK40 3 sold for a typical £345,640 in the 12 months to August 2026, across 121 sales, down 5.3% on the 12 months before, HM Land Registry's figures show.

£345,640 typical price, the 12 months to August 2026
£365,000 12 months to August 2025
▼ down 5.3% on the 12 months before
  • Detached £520,000 11 sales
  • Semi-detached £385,000 36 sales
  • Terraced £352,500 45 sales
  • Flat or maisonette £202,000 29 sales

Each bar is that kind's typical price, against the most expensive kind here.

Standard sales of homes at market value at the postcodes that start MK40 3. A typical price is the median, the middle sale, given from 5 sales or more.

How we work this out: house prices by postcode

Source: HM Land Registry Price Paid Data, files dated 28 September 2026. Contains HM Land Registry data © Crown copyright and database right 2021. This data is licensed under the Open Government Licence v3.0. How we use it

Postcodes in MK40 3

Pick a postcode to see its council and MP, broadband, flood risk, what homes sell for, council tax, the nearest schools and stations, and crime around it.

MK40 3AAMK40 3ADMK40 3AEMK40 3AFMK40 3AGMK40 3AJMK40 3ALMK40 3ANMK40 3APMK40 3ARMK40 3ASMK40 3ATMK40 3AUMK40 3AWMK40 3AXMK40 3AYMK40 3AZMK40 3BAMK40 3BBMK40 3BDMK40 3BEMK40 3BGMK40 3BHMK40 3BJMK40 3BLMK40 3BQMK40 3BSMK40 3BTMK40 3BUMK40 3BYMK40 3BZMK40 3DAMK40 3DBMK40 3DDMK40 3DEMK40 3DFMK40 3DGMK40 3DHMK40 3DJMK40 3DLMK40 3DNMK40 3DPMK40 3DQMK40 3DRMK40 3DSMK40 3DTMK40 3DUMK40 3DWMK40 3DXMK40 3DYMK40 3EAMK40 3EBMK40 3EEMK40 3EFMK40 3EGMK40 3EJMK40 3ELMK40 3ENMK40 3EPMK40 3EQMK40 3EUMK40 3EWMK40 3EXMK40 3FAMK40 3FBMK40 3FDMK40 3FEMK40 3FFMK40 3FGMK40 3FHMK40 3FJMK40 3FLMK40 3FNMK40 3GBMK40 3GDMK40 3HDMK40 3HPMK40 3HRMK40 3HSMK40 3HUMK40 3HYMK40 3HZMK40 3JAMK40 3JBMK40 3JDMK40 3JGMK40 3JJMK40 3JNMK40 3JPMK40 3JRMK40 3JTMK40 3JWMK40 3JYMK40 3LHMK40 3NBMK40 3NDMK40 3NEMK40 3NFMK40 3NHMK40 3NRMK40 3NTMK40 3NUMK40 3NXMK40 3NYMK40 3NZMK40 3PAMK40 3PBMK40 3PDMK40 3PEMK40 3PFMK40 3PGMK40 3PHMK40 3PJMK40 3PLMK40 3PNMK40 3PPMK40 3PQMK40 3PRMK40 3PSMK40 3PTMK40 3PWMK40 3PXMK40 3PYMK40 3PZMK40 3QAMK40 3QBMK40 3QDMK40 3QFMK40 3QHMK40 3QJMK40 3QLMK40 3QNMK40 3QPMK40 3QRMK40 3QSMK40 3QTMK40 3QUMK40 3QWMK40 3QXMK40 3QYMK40 3QZMK40 3RAMK40 3RBMK40 3RDMK40 3REMK40 3RFMK40 3RGMK40 3RHMK40 3RJMK40 3RLMK40 3RNMK40 3RPMK40 3RQMK40 3RSMK40 3RTMK40 3RUMK40 3RWMK40 3RXMK40 3RYMK40 3RZMK40 3SAMK40 3SBMK40 3SDMK40 3SEMK40 3SFMK40 3SGMK40 3SHMK40 3SJMK40 3SLMK40 3SNMK40 3SPMK40 3SQMK40 3SRMK40 3SSMK40 3STMK40 3SUMK40 3SWMK40 3SXMK40 3SYMK40 3SZMK40 3TAMK40 3TBMK40 3TDMK40 3TEMK40 3TFMK40 3TGMK40 3THMK40 3TJMK40 3TLMK40 3TPMK40 3TQMK40 3TRMK40 3TSMK40 3TTMK40 3TUMK40 3TXMK40 3TYMK40 3TZMK40 3UAMK40 3UBMK40 3UDMK40 3UEMK40 3UFMK40 3UGMK40 3UHMK40 3UJMK40 3ULMK40 3UNMK40 3UQMK40 3URMK40 3USMK40 3UTMK40 3UXMK40 3UYMK40 3UZMK40 3XD

Source: Office for National Statistics (ONS) Postcode Directory, August 2026, loaded 20 October 2026. Postcodes that have ended are not listed. See all our data sources

What council am I in? The council, borough or local authority for a postcode, and the county council where there is one. What ward am I in? The ward for a postcode, with its council, constituency and parish.

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