Salary needed to buy a home, by local authority

Compare local average house prices with median full-time pay where employees live. See the deposit, the income a 4.5× mortgage would require, and an example time to save.

Local authorities covered360Across England, Scotland, Wales and Northern Ireland

Pay estimates available359From 2025 full-time employee earnings

Saving example20% of take-homeNo existing savings or interest

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Showing all 360 local authorities

Local house prices and earnings

Aberdeenshire	Scotland	£204,894	£43,656	4.7×	£20,489	£40,979
Adur	England	£380,120	£39,029	9.7×	£38,012	£76,024
Amber Valley	England	£233,295	£37,756	6.2×	£23,330	£46,659
Angus	Scotland	£178,455	£37,291	4.8×	£17,846	£35,691
Antrim and Newtownabbey	Northern Ireland	£206,120	£38,577	5.3×	£20,612	£41,224
Ards and North Down	Northern Ireland	£227,275	£35,463	6.4×	£22,728	£45,455
Argyll and Bute	Scotland	£189,366	£39,010	4.9×	£18,937	£37,873
Armagh City Banbridge and Craigavon	Northern Ireland	£186,993	£36,679	5.1×	£18,699	£37,399
Arun	England	£321,460	£34,546	9.3×	£32,146	£64,292
Ashfield	England	£190,179	£32,577	5.8×	£19,018	£38,036
Ashford	England	£347,562	£37,440	9.3×	£34,756	£69,512
Babergh	England	£330,523	£33,904	9.7×	£33,052	£66,105
Barking and Dagenham	England	£375,604	£38,467	9.8×	£37,560	£75,121
Barnet	England	£600,560	£47,141	12.7×	£60,056	£120,112
Barnsley	England	£175,537	£36,652	4.8×	£17,554	£35,107
Basildon	England	£367,233	£39,734	9.2×	£36,723	£73,447
Basingstoke and Deane	England	£370,223	£44,809	8.3×	£37,022	£74,045
Bassetlaw	England	£214,281	£34,744	6.2×	£21,428	£42,856
Bath and North East Somerset	England	£409,045	£40,448	10.1×	£40,905	£81,809
Bedford	England	£333,824	£41,214	8.1×	£33,382	£66,765
Belfast	Northern Ireland	£184,768	£37,169	5.0×	£18,477	£36,954
Bexley	England	£413,343	£43,969	9.4×	£41,334	£82,669
Birmingham	England	£234,257	£35,989	6.5×	£23,426	£46,851
Blaby	England	£289,282	£38,279	7.6×	£28,928	£57,856
Blackburn with Darwen	England	£165,131	£33,076	5.0×	£16,513	£33,026
Blackpool	England	£137,386	£31,858	4.3×	£13,739	£27,477
Blaenau Gwent	Wales	£144,294	£34,797	4.1×	£14,429	£28,859
Bolsover	England	£182,759	£32,897	5.6×	£18,276	£36,552
Bolton	England	£204,379	£34,186	6.0×	£20,438	£40,876
Boston	England	£177,438	£29,805	6.0×	£17,744	£35,488
Bournemouth Christchurch and Poole	England	£310,094	£37,493	8.3×	£31,009	£62,019
Bracknell Forest	England	£395,413	£43,206	9.2×	£39,541	£79,083
Bradford	England	£182,766	£33,526	5.5×	£18,277	£36,553
Braintree	England	£328,477	£39,712	8.3×	£32,848	£65,695
Breckland	England	£268,905	£34,399	7.8×	£26,891	£53,781
Brent	England	£546,135	£39,944	13.7×	£54,614	£109,227
Brentwood	England	£514,480	£47,494	10.8×	£51,448	£102,896
Bridgend	Wales	£209,569	£37,002	5.7×	£20,957	£41,914
Brighton and Hove	England	£408,948	£39,347	10.4×	£40,895	£81,790
Broadland	England	£313,407	£38,195	8.2×	£31,341	£62,681
Bromley	England	£511,670	£51,225	10.0×	£51,167	£102,334
Bromsgrove	England	£335,607	£42,776	7.8×	£33,561	£67,121
Broxbourne	England	£411,689	£46,237	8.9×	£41,169	£82,338
Broxtowe	England	£252,624	£38,037	6.6×	£25,262	£50,525
Buckinghamshire	England	£479,736	£43,290	11.1×	£47,974	£95,947
Burnley	England	£135,012	£33,208	4.1×	£13,501	£27,002
Bury	England	£242,437	£35,767	6.8×	£24,244	£48,487
Caerphilly	Wales	£197,542	£35,367	5.6×	£19,754	£39,508
Calderdale	England	£191,385	£35,989	5.3×	£19,139	£38,277
Cambridge	England	£475,151	£43,741	10.9×	£47,515	£95,030
Camden	England	£815,159	£53,133	15.3×	£81,516	£163,032
Cannock Chase	England	£236,743	£36,140	6.6×	£23,674	£47,349
Canterbury	England	£337,454	£37,682	9.0×	£33,745	£67,491
Cardiff	Wales	£272,252	£36,946	7.4×	£27,225	£54,450
Carmarthenshire	Wales	£199,025	£37,405	5.3×	£19,903	£39,805
Castle Point	England	£356,579	£41,745	8.5×	£35,658	£71,316
Causeway Coast and Glens	Northern Ireland	£218,871	£34,708	6.3×	£21,887	£43,774
Central Bedfordshire	England	£356,758	£43,645	8.2×	£35,676	£71,352
Ceredigion	Wales	£235,160	£33,299	7.1×	£23,516	£47,032
Charnwood	England	£273,945	£38,078	7.2×	£27,395	£54,789
Chelmsford	England	£378,080	£46,179	8.2×	£37,808	£75,616
Cheltenham	England	£322,758	£41,399	7.8×	£32,276	£64,552
Cherwell	England	£356,935	£42,147	8.5×	£35,694	£71,387
Cheshire East	England	£309,121	£40,991	7.5×	£30,912	£61,824
Cheshire West and Chester	England	£270,104	£41,486	6.5×	£27,010	£54,021
Chesterfield	England	£203,367	£35,920	5.7×	£20,337	£40,673
Chichester	England	£432,078	£35,264	12.3×	£43,208	£86,416
Chorley	England	£213,246	£39,350	5.4×	£21,325	£42,649
City of Aberdeen	Scotland	£130,689	£40,020	3.3×	£13,069	£26,138
City of Bristol	England	£352,262	£39,509	8.9×	£35,226	£70,452
City of Derby	England	£207,250	£36,428	5.7×	£20,725	£41,450
City of Dundee	Scotland	£146,924	£34,860	4.2×	£14,692	£29,385
City of Edinburgh	Scotland	£303,965	£43,169	7.0×	£30,397	£60,793
City of Glasgow	Scotland	£193,675	£38,125	5.1×	£19,368	£38,735
City of Kingston upon Hull	England	£135,511	£31,419	4.3×	£13,551	£27,102
City of London Earnings estimate unavailable or unreliable	England	£710,652	Not published	Not published	Not published	Not published
City of Nottingham	England	£190,200	£30,798	6.2×	£19,020	£38,040
City of Peterborough	England	£234,690	£35,196	6.7×	£23,469	£46,938
City of Plymouth	England	£223,161	£35,186	6.3×	£22,316	£44,632
City of Westminster	England	£876,788	£52,610	16.7×	£87,679	£175,358
Clackmannanshire	Scotland	£166,005	£36,259	4.6×	£16,601	£33,201
Colchester	England	£297,824	£39,353	7.6×	£29,782	£59,565
Conwy	Wales	£217,829	£35,424	6.1×	£21,783	£43,566
Cornwall	England	£275,642	£35,002	7.9×	£27,564	£55,128
Cotswold	England	£421,125	£41,267	10.2×	£42,113	£84,225
County Durham	England	£140,447	£33,436	4.2×	£14,045	£28,089
Coventry	England	£227,679	£37,759	6.0×	£22,768	£45,536
Crawley	England	£332,384	£39,237	8.5×	£33,238	£66,477
Croydon	England	£390,041	£44,326	8.8×	£39,004	£78,008
Cumberland	England	£170,966	£42,461	4.0×	£17,097	£34,193
Dacorum	England	£459,235	£44,485	10.3×	£45,924	£91,847
Darlington	England	£159,988	£36,166	4.4×	£15,999	£31,998
Dartford	England	£347,773	£44,091	7.9×	£34,777	£69,555
Denbighshire	Wales	£201,452	£32,691	6.2×	£20,145	£40,290
Derbyshire Dales	England	£355,387	£43,071	8.3×	£35,539	£71,077
Derry City and Strabane	Northern Ireland	£189,474	£34,981	5.4×	£18,947	£37,895
Doncaster	England	£172,305	£34,967	4.9×	£17,231	£34,461
Dorset	England	£325,154	£37,462	8.7×	£32,515	£65,031
Dover	England	£277,750	£40,142	6.9×	£27,775	£55,550
Dudley	England	£232,196	£35,486	6.5×	£23,220	£46,439
Dumfries and Galloway	Scotland	£169,511	£34,895	4.9×	£16,951	£33,902
Ealing	England	£585,216	£40,889	14.3×	£58,522	£117,043
East Ayrshire	Scotland	£138,971	£37,968	3.7×	£13,897	£27,794
East Cambridgeshire	England	£346,413	£41,464	8.4×	£34,641	£69,283
East Devon	England	£339,683	£40,087	8.5×	£33,968	£67,937
East Dunbartonshire	Scotland	£271,608	£44,763	6.1×	£27,161	£54,322
East Hampshire	England	£440,541	£47,630	9.2×	£44,054	£88,108
East Hertfordshire	England	£457,417	£52,184	8.8×	£45,742	£91,483
East Lindsey	England	£214,508	£31,516	6.8×	£21,451	£42,902
East Lothian	Scotland	£282,500	£38,714	7.3×	£28,250	£56,500
East Renfrewshire	Scotland	£305,723	£46,279	6.6×	£30,572	£61,145
East Riding of Yorkshire	England	£220,408	£37,595	5.9×	£22,041	£44,082
East Staffordshire	England	£227,135	£36,848	6.2×	£22,714	£45,427
East Suffolk	England	£276,301	£36,793	7.5×	£27,630	£55,260
Eastbourne	England	£254,636	£37,236	6.8×	£25,464	£50,927
Eastleigh	England	£310,283	£42,461	7.3×	£31,028	£62,057
Elmbridge	England	£748,080	£51,924	14.4×	£74,808	£149,616
Enfield	England	£470,988	£43,888	10.7×	£47,099	£94,198
Epping Forest	England	£525,719	£45,618	11.5×	£52,572	£105,144
Epsom and Ewell	England	£568,214	£50,121	11.3×	£56,821	£113,643
Erewash	England	£217,941	£36,290	6.0×	£21,794	£43,588
Exeter	England	£282,696	£34,514	8.2×	£28,270	£56,539
Falkirk	Scotland	£173,046	£38,432	4.5×	£17,305	£34,609
Fareham	England	£333,599	£43,740	7.6×	£33,360	£66,720
Fenland	England	£225,613	£34,170	6.6×	£22,561	£45,123
Fermanagh and Omagh	Northern Ireland	£201,732	£37,486	5.4×	£20,173	£40,346
Fife	Scotland	£179,134	£38,913	4.6×	£17,913	£35,827
Flintshire	Wales	£215,892	£37,505	5.8×	£21,589	£43,178
Folkestone and Hythe	England	£303,296	£38,864	7.8×	£30,330	£60,659
Forest of Dean	England	£286,888	£42,326	6.8×	£28,689	£57,378
Fylde	England	£235,793	£44,892	5.3×	£23,579	£47,159
Gateshead	England	£155,550	£34,199	4.5×	£15,555	£31,110
Gedling	England	£241,473	£37,727	6.4×	£24,147	£48,295
Gloucester	England	£240,718	£34,617	7.0×	£24,072	£48,144
Gosport	England	£240,696	£37,060	6.5×	£24,070	£48,139
Gravesham	England	£344,923	£42,199	8.2×	£34,492	£68,985
Great Yarmouth	England	£209,114	£34,794	6.0×	£20,911	£41,823
Greenwich	England	£462,589	£45,274	10.2×	£46,259	£92,518
Guildford	England	£532,917	£46,801	11.4×	£53,292	£106,583
Gwynedd	Wales	£204,974	£32,868	6.2×	£20,497	£40,995
Hackney	England	£605,729	£49,482	12.2×	£60,573	£121,146
Halton	England	£194,727	£35,187	5.5×	£19,473	£38,945
Hammersmith and Fulham	England	£738,048	£47,192	15.6×	£73,805	£147,610
Harborough	England	£347,010	£42,423	8.2×	£34,701	£69,402
Haringey	England	£638,690	£43,995	14.5×	£63,869	£127,738
Harlow	England	£319,860	£38,380	8.3×	£31,986	£63,972
Harrow	England	£526,493	£45,232	11.6×	£52,649	£105,299
Hart	England	£481,051	£46,502	10.3×	£48,105	£96,210
Hartlepool	England	£136,894	£31,871	4.3×	£13,689	£27,379
Hastings	England	£238,757	£34,714	6.9×	£23,876	£47,751
Havant	England	£315,820	£37,220	8.5×	£31,582	£63,164
Havering	England	£448,648	£46,045	9.7×	£44,865	£89,730
Herefordshire	England	£289,607	£34,730	8.3×	£28,961	£57,921
Hertsmere	England	£548,704	£43,813	12.5×	£54,870	£109,741
High Peak	England	£258,856	£37,184	7.0×	£25,886	£51,771
Highland	Scotland	£221,136	£39,740	5.6×	£22,114	£44,227
Hillingdon	England	£470,875	£42,250	11.1×	£47,088	£94,175
Hinckley and Bosworth	England	£260,187	£35,671	7.3×	£26,019	£52,037
Horsham	England	£441,654	£43,487	10.2×	£44,165	£88,331
Hounslow	England	£525,435	£40,870	12.9×	£52,544	£105,087
Huntingdonshire	England	£308,374	£38,019	8.1×	£30,837	£61,675
Hyndburn	England	£141,430	£34,987	4.0×	£14,143	£28,286
Inverclyde	Scotland	£115,401	£36,650	3.1×	£11,540	£23,080
Ipswich	England	£221,445	£36,660	6.0×	£22,145	£44,289
Isle of Anglesey	Wales	£231,943	£35,709	6.5×	£23,194	£46,389
Isle of Wight	England	£245,900	£31,184	7.9×	£24,590	£49,180
Islington	England	£674,592	£50,692	13.3×	£67,459	£134,918
Kensington and Chelsea	England	£1,232,640	£52,576	23.4×	£123,264	£246,528
King's Lynn and West Norfolk	England	£265,715	£36,835	7.2×	£26,572	£53,143
Kingston upon Thames	England	£591,555	£46,871	12.6×	£59,156	£118,311
Kirklees	England	£208,987	£35,867	5.8×	£20,899	£41,797
Knowsley	England	£188,527	£37,543	5.0×	£18,853	£37,705
Lambeth	England	£536,623	£49,034	10.9×	£53,662	£107,325
Lancaster	England	£202,966	£34,890	5.8×	£20,297	£40,593
Leeds	England	£247,695	£36,716	6.7×	£24,770	£49,539
Leicester	England	£227,322	£32,281	7.0×	£22,732	£45,464
Lewes	England	£368,408	£40,807	9.0×	£36,841	£73,682
Lewisham	England	£488,658	£45,702	10.7×	£48,866	£97,732
Lichfield	England	£335,799	£41,803	8.0×	£33,580	£67,160
Lincoln	England	£187,079	£34,301	5.5×	£18,708	£37,416
Lisburn and Castlereagh	Northern Ireland	£240,737	£41,252	5.8×	£24,074	£48,147
Liverpool	England	£189,036	£37,144	5.1×	£18,904	£37,807
Luton	England	£284,946	£34,732	8.2×	£28,495	£56,989
Maidstone	England	£352,722	£38,191	9.2×	£35,272	£70,544
Maldon	England	£389,529	£43,385	9.0×	£38,953	£77,906
Malvern Hills	England	£350,772	£35,429	9.9×	£35,077	£70,154
Manchester	England	£252,309	£36,278	7.0×	£25,231	£50,462
Mansfield	England	£185,870	£32,525	5.7×	£18,587	£37,174
Medway	England	£298,547	£39,622	7.5×	£29,855	£59,709
Melton	England	£282,521	£33,900	8.3×	£28,252	£56,504
Merthyr Tydfil	Wales	£156,721	£35,152	4.5×	£15,672	£31,344
Merton	England	£615,890	£50,844	12.1×	£61,589	£123,178
Mid and East Antrim	Northern Ireland	£177,450	£34,178	5.2×	£17,745	£35,490
Mid Devon	England	£281,450	£36,994	7.6×	£28,145	£56,290
Mid Suffolk	England	£315,898	£41,350	7.6×	£31,590	£63,180
Mid Sussex	England	£430,777	£44,352	9.7×	£43,078	£86,155
Mid Ulster	Northern Ireland	£195,453	£36,216	5.4×	£19,545	£39,091
Middlesbrough	England	£140,909	£35,177	4.0×	£14,091	£28,182
Midlothian	Scotland	£283,166	£41,189	6.9×	£28,317	£56,633
Milton Keynes	England	£330,419	£41,389	8.0×	£33,042	£66,084
Mole Valley	England	£555,858	£42,937	12.9×	£55,586	£111,172
Monmouthshire	Wales	£335,093	£41,529	8.1×	£33,509	£67,019
Moray	Scotland	£204,008	£33,943	6.0×	£20,401	£40,802
Na h-Eileanan Siar	Scotland	£139,518	£33,442	4.2×	£13,952	£27,904
Neath Port Talbot	Wales	£168,082	£36,359	4.6×	£16,808	£33,616
New Forest	England	£384,977	£38,571	10.0×	£38,498	£76,995
Newark and Sherwood	England	£234,764	£37,118	6.3×	£23,476	£46,953
Newcastle upon Tyne	England	£207,547	£35,446	5.9×	£20,755	£41,509
Newcastle-under-Lyme	England	£209,112	£35,723	5.9×	£20,911	£41,822
Newham	England	£390,349	£42,595	9.2×	£39,035	£78,070
Newport	Wales	£229,200	£36,533	6.3×	£22,920	£45,840
Newry Mourne and Down	Northern Ireland	£220,572	£34,221	6.4×	£22,057	£44,114
North Ayrshire	Scotland	£143,560	£40,312	3.6×	£14,356	£28,712
North Devon	England	£282,633	£32,682	8.6×	£28,263	£56,527
North East Derbyshire	England	£253,810	£36,422	7.0×	£25,381	£50,762
North East Lincolnshire	England	£147,727	£35,052	4.2×	£14,773	£29,545
North Hertfordshire	England	£418,857	£49,224	8.5×	£41,886	£83,771
North Kesteven	England	£242,834	£37,305	6.5×	£24,283	£48,567
North Lanarkshire	Scotland	£158,591	£41,070	3.9×	£15,859	£31,718
North Lincolnshire	England	£179,954	£34,738	5.2×	£17,995	£35,991
North Norfolk	England	£292,563	£34,362	8.5×	£29,256	£58,513
North Northamptonshire	England	£257,807	£37,951	6.8×	£25,781	£51,561
North Somerset	England	£313,638	£39,969	7.8×	£31,364	£62,728
North Tyneside	England	£205,744	£37,063	5.6×	£20,574	£41,149
North Warwickshire	England	£273,776	£40,095	6.8×	£27,378	£54,755
North West Leicestershire	England	£280,530	£38,795	7.2×	£28,053	£56,106
North Yorkshire	England	£270,463	£36,783	7.4×	£27,046	£54,093
Northumberland	England	£212,563	£37,721	5.6×	£21,256	£42,513
Norwich	England	£224,323	£35,263	6.4×	£22,432	£44,865
Nuneaton and Bedworth	England	£228,142	£35,277	6.5×	£22,814	£45,628
Oadby and Wigston	England	£251,253	£40,617	6.2×	£25,125	£50,251
Oldham	England	£217,171	£34,042	6.4×	£21,717	£43,434
Orkney Islands	Scotland	£214,106	£43,430	4.9×	£21,411	£42,821
Oxford	England	£471,667	£43,289	10.9×	£47,167	£94,333
Pembrokeshire	Wales	£208,615	£36,438	5.7×	£20,862	£41,723
Pendle	England	£152,798	£30,327	5.0×	£15,280	£30,560
Perth and Kinross	Scotland	£229,180	£39,934	5.7×	£22,918	£45,836
Portsmouth	England	£251,220	£36,022	7.0×	£25,122	£50,244
Powys	Wales	£237,762	£35,909	6.6×	£23,776	£47,552
Preston	England	£188,629	£37,214	5.1×	£18,863	£37,726
Reading	England	£349,550	£40,700	8.6×	£34,955	£69,910
Redbridge	England	£481,297	£44,851	10.7×	£48,130	£96,259
Redcar and Cleveland	England	£151,341	£35,111	4.3×	£15,134	£30,268
Redditch	England	£245,573	£35,251	7.0×	£24,557	£49,115
Reigate and Banstead	England	£480,824	£43,434	11.1×	£48,082	£96,165
Renfrewshire	Scotland	£159,992	£39,734	4.0×	£15,999	£31,998
Rhondda Cynon Taf	Wales	£164,192	£34,837	4.7×	£16,419	£32,838
Ribble Valley	England	£285,610	£40,870	7.0×	£28,561	£57,122
Richmond upon Thames	England	£803,249	£57,233	14.0×	£80,325	£160,650
Rochdale	England	£209,389	£34,660	6.0×	£20,939	£41,878
Rochford	England	£412,543	£44,750	9.2×	£41,254	£82,509
Rossendale	England	£199,759	£35,273	5.7×	£19,976	£39,952
Rother	England	£337,816	£36,197	9.3×	£33,782	£67,563
Rotherham	England	£191,496	£34,713	5.5×	£19,150	£38,299
Rugby	England	£272,696	£47,191	5.8×	£27,270	£54,539
Runnymede	England	£477,182	£46,777	10.2×	£47,718	£95,436
Rushcliffe	England	£324,012	£45,968	7.0×	£32,401	£64,802
Rushmoor	England	£326,771	£37,883	8.6×	£32,677	£65,354
Rutland	England	£298,916	£42,355	7.1×	£29,892	£59,783
Salford	England	£229,462	£34,958	6.6×	£22,946	£45,892
Sandwell	England	£205,830	£33,029	6.2×	£20,583	£41,166
Scottish Borders	Scotland	£193,050	£33,600	5.7×	£19,305	£38,610
Sefton	England	£224,289	£36,937	6.1×	£22,429	£44,858
Sevenoaks	England	£538,714	£44,581	12.1×	£53,871	£107,743
Sheffield	England	£219,713	£37,885	5.8×	£21,971	£43,943
Shetland Islands	Scotland	£179,493	£46,527	3.9×	£17,949	£35,899
Shropshire	England	£275,232	£36,991	7.4×	£27,523	£55,046
Slough	England	£335,759	£38,483	8.7×	£33,576	£67,152
Solihull	England	£337,112	£46,896	7.2×	£33,711	£67,422
Somerset	England	£282,062	£36,279	7.8×	£28,206	£56,412
South Ayrshire	Scotland	£171,905	£43,076	4.0×	£17,191	£34,381
South Cambridgeshire	England	£439,573	£48,916	9.0×	£43,957	£87,915
South Derbyshire	England	£261,544	£41,520	6.3×	£26,154	£52,309
South Gloucestershire	England	£341,833	£40,731	8.4×	£34,183	£68,367
South Hams	England	£355,483	£38,638	9.2×	£35,548	£71,097
South Holland	England	£226,660	£32,336	7.0×	£22,666	£45,332
South Kesteven	England	£260,359	£34,922	7.5×	£26,036	£52,072
South Lanarkshire	Scotland	£185,267	£41,126	4.5×	£18,527	£37,053
South Norfolk	England	£311,587	£39,438	7.9×	£31,159	£62,317
South Oxfordshire	England	£476,026	£48,525	9.8×	£47,603	£95,205
South Ribble	England	£213,267	£37,883	5.6×	£21,327	£42,653
South Staffordshire	England	£310,862	£38,788	8.0×	£31,086	£62,172
South Tyneside	England	£161,559	£33,739	4.8×	£16,156	£32,312
Southampton	England	£235,977	£37,130	6.4×	£23,598	£47,195
Southend-on-Sea	England	£328,383	£41,554	7.9×	£32,838	£65,677
Southwark	England	£572,478	£48,681	11.8×	£57,248	£114,496
Spelthorne	England	£439,609	£44,265	9.9×	£43,961	£87,922
St Albans	England	£646,781	£57,396	11.3×	£64,678	£129,356
St Helens	England	£185,154	£37,306	5.0×	£18,515	£37,031
Stafford	England	£258,024	£39,726	6.5×	£25,802	£51,605
Staffordshire Moorlands	England	£224,415	£38,228	5.9×	£22,442	£44,883
Stevenage	England	£316,210	£42,200	7.5×	£31,621	£63,242
Stirling	Scotland	£239,034	£43,559	5.5×	£23,903	£47,807
Stockport	England	£317,913	£39,318	8.1×	£31,791	£63,583
Stockton-on-Tees	England	£170,029	£37,558	4.5×	£17,003	£34,006
Stoke-on-Trent	England	£147,377	£32,622	4.5×	£14,738	£29,475
Stratford-on-Avon	England	£396,753	£41,280	9.6×	£39,675	£79,351
Stroud	England	£351,736	£38,608	9.1×	£35,174	£70,347
Sunderland	England	£147,114	£32,744	4.5×	£14,711	£29,423
Surrey Heath	England	£457,988	£43,633	10.5×	£45,799	£91,598
Sutton	England	£452,654	£44,393	10.2×	£45,265	£90,531
Swale	England	£298,985	£38,432	7.8×	£29,899	£59,797
Swansea	Wales	£205,383	£36,586	5.6×	£20,538	£41,077
Swindon	England	£263,611	£38,900	6.8×	£26,361	£52,722
Tameside	England	£209,723	£33,949	6.2×	£20,972	£41,945
Tamworth	England	£229,251	£38,496	6.0×	£22,925	£45,850
Tandridge	England	£482,599	£39,775	12.1×	£48,260	£96,520
Teignbridge	England	£302,368	£35,410	8.5×	£30,237	£60,474
Telford and Wrekin	England	£226,893	£36,044	6.3×	£22,689	£45,379
Tendring	England	£259,568	£39,799	6.5×	£25,957	£51,914
Test Valley	England	£368,131	£40,576	9.1×	£36,813	£73,626
Tewkesbury	England	£325,898	£39,236	8.3×	£32,590	£65,180
Thanet	England	£269,708	£35,775	7.5×	£26,971	£53,942
Three Rivers	England	£590,816	£43,980	13.4×	£59,082	£118,163
Thurrock	England	£321,941	£41,997	7.7×	£32,194	£64,388
Tonbridge and Malling	England	£407,880	£42,752	9.5×	£40,788	£81,576
Torbay	England	£222,118	£33,493	6.6×	£22,212	£44,424
Torfaen	Wales	£199,184	£39,170	5.1×	£19,918	£39,837
Torridge	England	£263,378	£34,425	7.7×	£26,338	£52,676
Tower Hamlets	England	£447,796	£52,000	8.6×	£44,780	£89,559
Trafford	England	£400,688	£42,973	9.3×	£40,069	£80,138
Tunbridge Wells	England	£456,227	£47,896	9.5×	£45,623	£91,245
Uttlesford	England	£476,329	£50,103	9.5×	£47,633	£95,266
Vale of Glamorgan	Wales	£303,112	£38,656	7.8×	£30,311	£60,622
Vale of White Horse	England	£413,773	£44,454	9.3×	£41,377	£82,755
Wakefield	England	£199,347	£34,400	5.8×	£19,935	£39,869
Walsall	England	£215,329	£34,036	6.3×	£21,533	£43,066
Waltham Forest	England	£529,102	£45,350	11.7×	£52,910	£105,820
Wandsworth	England	£686,076	£54,584	12.6×	£68,608	£137,215
Warrington	England	£260,040	£40,380	6.4×	£26,004	£52,008
Warwick	England	£369,220	£48,523	7.6×	£36,922	£73,844
Watford	England	£404,299	£43,219	9.4×	£40,430	£80,860
Waverley	England	£553,429	£49,769	11.1×	£55,343	£110,686
Wealden	England	£391,211	£43,589	9.0×	£39,121	£78,242
Welwyn Hatfield	England	£448,681	£45,145	9.9×	£44,868	£89,736
West Berkshire	England	£403,682	£44,887	9.0×	£40,368	£80,736
West Devon	England	£285,834	£38,638	7.4×	£28,583	£57,167
West Dunbartonshire	Scotland	£127,521	£40,011	3.2×	£12,752	£25,504
West Lancashire	England	£236,194	£38,102	6.2×	£23,619	£47,239
West Lindsey	England	£203,592	£38,377	5.3×	£20,359	£40,718
West Lothian	Scotland	£227,354	£40,134	5.7×	£22,735	£45,471
West Northamptonshire	England	£291,929	£38,000	7.7×	£29,193	£58,386
West Oxfordshire	England	£418,586	£43,932	9.5×	£41,859	£83,717
West Suffolk	England	£294,810	£39,628	7.4×	£29,481	£58,962
Westmorland and Furness	England	£230,449	£41,859	5.5×	£23,045	£46,090
Wigan	England	£194,551	£37,377	5.2×	£19,455	£38,910
Wiltshire	England	£328,746	£37,811	8.7×	£32,875	£65,749
Winchester	England	£463,025	£45,766	10.1×	£46,303	£92,605
Windsor and Maidenhead	England	£575,036	£47,387	12.1×	£57,504	£115,007
Wirral	England	£221,849	£38,010	5.8×	£22,185	£44,370
Woking	England	£439,916	£43,719	10.1×	£43,992	£87,983
Wokingham	England	£496,537	£52,222	9.5×	£49,654	£99,307
Wolverhampton	England	£220,559	£35,858	6.2×	£22,056	£44,112
Worcester	England	£251,221	£38,880	6.5×	£25,122	£50,244
Worthing	England	£297,200	£36,581	8.1×	£29,720	£59,440
Wrexham	Wales	£212,778	£35,246	6.0×	£21,278	£42,556
Wychavon	England	£322,623	£36,175	8.9×	£32,262	£64,525
Wyre	England	£193,650	£38,048	5.1×	£19,365	£38,730
Wyre Forest	England	£230,984	£34,661	6.7×	£23,098	£46,197
York	England	£310,781	£40,496	7.7×	£31,078	£62,156

1 area has an earnings value marked unreliable by the statistical source, so no ratio or borrowing estimate is shown for it. Search still finds it by name.

How to read the figures

The house-price-to-pay ratio divides the local average house price by median annual gross pay for one full-time employee. Required income assumes the mortgage equals 4.5 times gross household income; this is an illustration, not a lender decision. The saving estimate uses an individual median full-time take-home pay and applies 20% of it to the deposit each month.

Useful next steps

Estimate your own deposit and Stamp Duty Calculate the salary behind a target take-home See your take-home pay

Sources and data notes

House prices: HM Land Registry, UK House Price Index, July 2026 (Northern Ireland publishes HPI quarterly; the July file carries the latest April to June 2026 figures for its local government districts.)
England, Scotland and Wales earnings: ONS ASHE 2025 provisional, Table 8.7a by place of residence
Northern Ireland earnings: NISRA ASHE 2025 provisional by Local Government District of residence
Pay measure: Median annual gross pay for full-time employee jobs at place of residence (ONS Table 8.7a; NISRA corresponding NI table). ONS describes median as its preferred measure of typical earnings because it is less affected by a small number of high earners. Estimates marked unreliable or unavailable are not used.
Take-home estimate: our take-home pay engine, using 2026/27 tax rules; no pension or student loan.

Contains HM Land Registry data © Crown copyright and database right 2020. This data is licensed under the Open Government Licence v3.0. Earnings are not a household-income measure. Northern Ireland house prices update quarterly.

Data checked 27 September 2026. House prices: July 2026 UK HPI, except Northern Ireland (April–June 2026). Pay: 2025 provisional ASHE.