House price to earnings by area
The SVG compares the eight lowest and eight highest published local-authority house-price-to-earnings ratios. Each ratio divides average house price by median full-time annual gross pay by place of residence. House prices are from the July 2026 UK HPI file; Northern Ireland uses its latest quarterly result. Pay is for 2025.
| Group | Local authority | Average house price | Median full-time pay | Ratio |
|---|---|---|---|---|
| Lower ratios | Inverclyde | £115,401 | £36,650 | 3.1× |
| Lower ratios | West Dunbartonshire | £127,521 | £40,011 | 3.2× |
| Lower ratios | City of Aberdeen | £130,689 | £40,020 | 3.3× |
| Lower ratios | North Ayrshire | £143,560 | £40,312 | 3.6× |
| Lower ratios | East Ayrshire | £138,971 | £37,968 | 3.7× |
| Lower ratios | Shetland Islands | £179,493 | £46,527 | 3.9× |
| Lower ratios | North Lanarkshire | £158,591 | £41,070 | 3.9× |
| Lower ratios | South Ayrshire | £171,905 | £43,076 | 4.0× |
| Higher ratios | Kensington and Chelsea | £1,232,640 | £52,576 | 23.4× |
| Higher ratios | City of Westminster | £876,788 | £52,610 | 16.7× |
| Higher ratios | Hammersmith and Fulham | £738,048 | £47,192 | 15.6× |
| Higher ratios | Camden | £815,159 | £53,133 | 15.3× |
| Higher ratios | Haringey | £638,690 | £43,995 | 14.5× |
| Higher ratios | Elmbridge | £748,080 | £51,924 | 14.4× |
| Higher ratios | Ealing | £585,216 | £40,889 | 14.3× |
| Higher ratios | Richmond upon Thames | £803,249 | £57,233 | 14.0× |
City of London is omitted because its 2025 pay estimate is marked unreliable. The full local-authority table includes all 360 areas and labels the unavailable value.
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<figure>
<img src="https://moneyworkedout.co.uk/assets/charts/house-price-to-earnings-by-area.svg" width="1080" height="800" alt="Horizontal bars compare the eight lowest and eight highest local-authority house-price-to-earnings ratios, based on 2026 house prices and 2025 full-time pay.">
<figcaption>Chart by <a href="https://moneyworkedout.co.uk/charts/house-price-to-earnings-by-area/">Money Worked Out</a>.</figcaption>
</figure>Sources and chart notes
- House prices: HM Land Registry, UK House Price Index, July 2026.
- England, Scotland and Wales pay: ONS ASHE 2025 provisional, Table 8.7a by place of residence.
- Northern Ireland pay: NISRA ASHE 2025 provisional by local government district of residence.
- ONS prefers the median as a typical-pay measure. Average house price and median pay describe different populations and reference periods; this ratio is not a household affordability test.
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