UK House Price to Income Ratio: Prices vs Salaries

Compare official UK house prices with salaries, wages and local earnings to see where homes cost the most, or least, relative to income.

Data last updated 16 September 2026 at 16:16House prices: July 2026 | Earnings: ASHE 2025 | Rents: August 2026

Compare areas Affordability hub

UK headline affordability metrics

These figures are calculated from the latest public data available in the Bellsoph refresh pipeline.

Average UK house price

£272,611

UK HPI July 2026

Median annual pay

£39,863

ASHE 2025

House price to income ratio

6.8x

Average price divided by annual pay

Salary needed at 4.5x

£60,580

£20,717 above median pay

Rent as share of earnings

42%

Average rent divided by monthly pay

Salary needed to buy the average home

This is a simple estimate using average house price divided by a 4.5x income multiple. It is useful for comparison, but it is not a lender affordability decision.

UK indicative salary£60,580

Estimated salary needed for the average UK house price using a 4.5x income multiple.

Gap to median pay£20,717 above median pay

Compares the indicative salary with the latest median resident annual pay used on this page.

Example 10% deposit£27,261

Deposit size is a separate cash barrier and actual mortgage access still depends on lender checks and rates.

Affordability ranking preview

Three areas at each end of the current income-ratio ranking. Compare all areas in the complete table below, or explore the dedicated top-10 affordability ranking.

Three lowest current ratios

Three highest current ratios

See the most affordable places ranking

Lowest and highest indicative salaries

Salary estimates use average house price divided by 4.5. Use them to compare areas, not as a mortgage approval figure.

Lowest salary needed

Highest salary needed

Compare house prices and incomes by area

294 areas currently have both house price and earnings data. Lower ratios suggest prices are closer to local earnings.

House price to income ratio, salary needed and rent share by area
Area	Region	House price	Median pay	Salary needed	Ratio	Rent share	Label
Burnley	North West England	£135,012	£34,840	£30,003	3.9x	22%	More affordable
Hartlepool	North East England	£136,894	£34,663	£30,421	3.9x	19%	More affordable
Hyndburn	North West England	£141,430	£35,272	£31,429	4.0x	22%	More affordable
Middlesbrough	North East England	£140,909	£34,892	£31,313	4.0x	24%	More affordable
Kingston upon Hull	Yorkshire and the Humber	£135,511	£33,545	£30,114	4.0x	25%	More affordable
Blackpool	North West England	£137,386	£33,691	£30,530	4.1x	26%	More affordable
County Durham	North East England	£140,447	£34,388	£31,210	4.1x	23%	More affordable
Cumberland	North West England	£170,966	£41,574	£37,992	4.1x	20%	More affordable
Redcar and Cleveland	North East England	£151,341	£36,577	£33,631	4.1x	21%	More affordable
North East Lincolnshire	Yorkshire and the Humber	£147,727	£35,251	£32,828	4.2x	22%	More affordable
Sunderland	North East England	£147,114	£34,076	£32,692	4.3x	25%	More affordable
Stoke-on-Trent	West Midlands	£147,377	£33,847	£32,750	4.4x	25%	More affordable
Darlington	North East England	£159,988	£36,670	£35,553	4.4x	23%	More affordable
Gateshead	North East England	£155,550	£35,090	£34,567	4.4x	27%	More affordable
South Tyneside	North East England	£161,559	£35,906	£35,902	4.5x	25%	More affordable
Barnsley	Yorkshire and the Humber	£175,537	£38,558	£39,008	4.6x	22%	More affordable
Stockton-on-Tees	North East England	£170,029	£36,405	£37,784	4.7x	24%	More affordable
Pendle	North West England	£152,798	£32,235	£33,955	4.7x	25%	More affordable
Doncaster	Yorkshire and the Humber	£172,305	£36,249	£38,290	4.8x	23%	More affordable
St Helens	North West England	£185,154	£38,886	£41,145	4.8x	25%	More affordable
North Lincolnshire	Yorkshire and the Humber	£179,954	£37,216	£39,990	4.8x	21%	More affordable
Blackburn with Darwen	North West England	£165,131	£33,779	£36,696	4.9x	25%	More affordable
Knowsley	North West England	£188,527	£38,090	£41,895	4.9x	27%	More affordable
Liverpool	North West England	£189,036	£37,788	£42,008	5.0x	29%	Stretched
Preston	North West England	£188,629	£37,565	£41,918	5.0x	25%	Stretched
Calderdale	Yorkshire and the Humber	£191,385	£37,279	£42,530	5.1x	24%	Stretched
Wigan	North West England	£194,551	£37,794	£43,234	5.1x	24%	Stretched
Bolsover	East Midlands	£182,759	£35,324	£40,613	5.2x	24%	Stretched
Bradford	Yorkshire and the Humber	£182,766	£34,876	£40,615	5.2x	26%	Stretched
Wyre	North West England	£193,650	£36,873	£43,033	5.3x	24%	Stretched
Lincoln	East Midlands	£187,079	£35,521	£41,573	5.3x	32%	Stretched
Rossendale	North West England	£199,759	£37,752	£44,391	5.3x	26%	Stretched
West Lindsey	East Midlands	£203,592	£38,069	£45,243	5.3x	23%	Stretched
Chorley	North West England	£213,246	£39,770	£47,388	5.4x	24%	Stretched
Halton	North West England	£194,727	£36,286	£43,273	5.4x	25%	Stretched
Fylde	North West England	£235,793	£43,628	£52,398	5.4x	24%	Stretched
Ashfield	East Midlands	£190,179	£35,147	£42,262	5.4x	27%	Stretched
Derby	East Midlands	£207,250	£38,142	£46,056	5.4x	27%	Stretched
North Tyneside	North East England	£205,744	£37,814	£45,721	5.4x	27%	Stretched
Chesterfield	East Midlands	£203,367	£37,320	£45,193	5.4x	24%	Stretched
Westmorland and Furness	North West England	£230,449	£42,208	£51,211	5.5x	23%	Stretched
Rotherham	Yorkshire and the Humber	£191,496	£34,892	£42,555	5.5x	24%	Stretched
Wakefield	Yorkshire and the Humber	£199,347	£35,833	£44,299	5.6x	27%	Stretched
Northumberland	North East England	£212,563	£38,090	£47,236	5.6x	22%	Stretched
Boston	East Midlands	£177,438	£31,689	£39,431	5.6x	31%	Stretched
Staffordshire Moorlands	West Midlands	£224,415	£40,045	£49,870	5.6x	22%	Stretched
East Riding of Yorkshire	Yorkshire and the Humber	£220,408	£39,307	£48,980	5.6x	22%	Stretched
Mansfield	East Midlands	£185,870	£33,051	£41,304	5.6x	29%	Stretched
South Ribble	North West England	£213,267	£37,840	£47,393	5.6x	26%	Stretched
Lancaster	North West England	£202,966	£35,708	£45,104	5.7x	28%	Stretched
Kirklees	Yorkshire and the Humber	£208,987	£36,421	£46,442	5.7x	26%	Stretched
Great Yarmouth	East of England	£209,114	£36,358	£46,470	5.8x	28%	Stretched
Sheffield	Yorkshire and the Humber	£219,713	£38,116	£48,825	5.8x	29%	Stretched
Newcastle upon Tyne	North East England	£207,547	£36,000	£46,122	5.8x	41%	Stretched
West Lancashire	North West England	£236,194	£40,966	£52,488	5.8x	24%	Stretched
Sefton	North West England	£224,289	£38,901	£49,842	5.8x	29%	Stretched
Nottingham	East Midlands	£190,200	£32,963	£42,267	5.8x	37%	Stretched
Erewash	East Midlands	£217,941	£37,648	£48,431	5.8x	27%	Stretched
Tameside	North West England	£209,723	£36,140	£46,605	5.8x	31%	Stretched
Newcastle-under-Lyme	West Midlands	£209,112	£35,989	£46,469	5.8x	28%	Stretched
Bolton	North West England	£204,379	£35,074	£45,418	5.8x	31%	Stretched
Rochdale	North West England	£209,389	£35,854	£46,531	5.8x	29%	Stretched
Wirral	North West England	£221,849	£37,866	£49,300	5.9x	27%	Stretched
Tamworth	West Midlands	£229,251	£39,120	£50,945	5.9x	28%	Stretched
Coventry	West Midlands	£227,679	£38,724	£50,595	5.9x	32%	Stretched
Rugby	West Midlands	£272,696	£46,368	£60,599	5.9x	27%	Stretched
East Staffordshire	West Midlands	£227,135	£38,579	£50,474	5.9x	27%	Stretched
Newark and Sherwood	East Midlands	£234,764	£39,822	£52,170	5.9x	25%	Stretched
Bassetlaw	East Midlands	£214,281	£36,327	£47,618	5.9x	24%	Stretched
Sandwell	West Midlands	£205,830	£34,882	£45,740	5.9x	33%	Stretched
Wolverhampton	West Midlands	£220,559	£36,972	£49,013	6.0x	31%	Stretched
Amber Valley	East Midlands	£233,295	£38,615	£51,843	6.0x	25%	Stretched
Norwich	East of England	£224,323	£37,118	£49,850	6.0x	37%	Stretched
Oadby and Wigston	East Midlands	£251,253	£41,522	£55,834	6.1x	30%	Stretched
Walsall	West Midlands	£215,329	£35,495	£47,851	6.1x	31%	Stretched
South Derbyshire	East Midlands	£261,544	£43,072	£58,121	6.1x	25%	Stretched
Gedling	East Midlands	£241,473	£39,723	£53,661	6.1x	27%	Stretched
North Kesteven	East Midlands	£242,834	£39,796	£53,963	6.1x	25%	Stretched
Oldham	North West England	£217,171	£35,417	£48,260	6.1x	32%	Stretched
Ipswich	East of England	£221,445	£35,948	£49,210	6.2x	33%	Stretched
Stafford	West Midlands	£258,024	£41,886	£57,339	6.2x	26%	Stretched
Southampton	South East England	£235,977	£37,669	£52,439	6.3x	40%	Stretched
Cannock Chase	West Midlands	£236,743	£37,762	£52,610	6.3x	28%	Stretched
Telford and Wrekin	West Midlands	£226,893	£36,010	£50,421	6.3x	29%	Stretched
Fenland	East of England	£225,613	£35,797	£50,136	6.3x	28%	Stretched
Plymouth	South West England	£223,161	£35,396	£49,591	6.3x	34%	Stretched
Dudley	West Midlands	£232,196	£36,769	£51,599	6.3x	28%	Stretched
Peterborough	East of England	£234,690	£36,951	£52,153	6.4x	33%	Stretched
Worcester	West Midlands	£251,221	£39,515	£55,827	6.4x	30%	Stretched
Birmingham	West Midlands	£234,257	£36,811	£52,057	6.4x	36%	Stretched
Nuneaton and Bedworth	West Midlands	£228,142	£35,807	£50,698	6.4x	31%	Stretched
Salford	North West England	£229,462	£35,984	£50,992	6.4x	39%	Stretched
Torbay	South West England	£222,118	£34,793	£49,360	6.4x	32%	Stretched
East Lindsey	East Midlands	£214,508	£33,592	£47,668	6.4x	25%	Stretched
Warrington	North West England	£260,040	£40,669	£57,787	6.4x	27%	Stretched
Wyre Forest	West Midlands	£230,984	£36,031	£51,330	6.4x	27%	Stretched
Bury	North West England	£242,437	£37,721	£53,875	6.4x	31%	Stretched
South Holland	East Midlands	£226,660	£34,986	£50,369	6.5x	27%	Stretched
Cheshire West and Chester	North West England	£270,104	£41,517	£60,023	6.5x	29%	Stretched
Gosport	South East England	£240,696	£36,946	£53,488	6.5x	38%	Stretched
Hastings	South East England	£238,757	£36,301	£53,057	6.6x	33%	Stretched
North East Derbyshire	East Midlands	£253,810	£38,548	£56,402	6.6x	25%	Stretched
Leeds	Yorkshire and the Humber	£247,695	£37,596	£55,043	6.6x	37%	Stretched
Ribble Valley	North West England	£285,610	£43,316	£63,469	6.6x	23%	Stretched
North Northamptonshire	East Midlands	£257,807	£39,010	£57,290	6.6x	31%	Stretched
Redditch	West Midlands	£245,573	£37,092	£54,572	6.6x	32%	Stretched
Forest of Dean	South West England	£286,888	£43,295	£63,753	6.6x	23%	Stretched
Gloucester	South West England	£240,718	£36,104	£53,493	6.7x	37%	Stretched
Swindon	South West England	£263,611	£39,421	£58,580	6.7x	33%	Stretched
Broxtowe	East Midlands	£252,624	£37,690	£56,139	6.7x	30%	Stretched
Eastbourne	South East England	£254,636	£37,804	£56,586	6.7x	37%	Stretched
High Peak	East Midlands	£258,856	£38,392	£57,524	6.7x	29%	Stretched
Manchester	North West England	£252,309	£37,211	£56,069	6.8x	44%	Stretched
Stevenage	East of England	£316,210	£46,504	£70,269	6.8x	37%	Stretched
Tendring	East of England	£259,568	£38,147	£57,682	6.8x	33%	Stretched
Leicester	East Midlands	£227,322	£33,254	£50,516	6.8x	37%	Stretched
Hinckley and Bosworth	East Midlands	£260,187	£37,882	£57,819	6.9x	30%	Stretched
Portsmouth	South East England	£251,220	£36,457	£55,827	6.9x	45%	Stretched
Charnwood	East Midlands	£273,945	£39,562	£60,877	6.9x	29%	Stretched
Dover	South East England	£277,750	£39,879	£61,722	7.0x	31%	Stretched
King's Lynn and West Norfolk	East of England	£265,715	£38,017	£59,048	7.0x	30%	Stretched
North Warwickshire	West Midlands	£273,776	£38,870	£60,839	7.0x	30%	Stretched
Blaby	East Midlands	£289,282	£40,971	£64,285	7.1x	29%	Stretched
South Kesteven	East Midlands	£260,359	£36,722	£57,858	7.1x	28%	Stretched
North Yorkshire	Yorkshire and the Humber	£270,463	£37,986	£60,103	7.1x	27%	Stretched
North West Leicestershire	East Midlands	£280,530	£39,317	£62,340	7.1x	28%	Stretched
Isle of Wight	South East England	£245,900	£34,429	£54,644	7.1x	33%	Stretched
Thanet	South East England	£269,708	£37,492	£59,935	7.2x	36%	Stretched
Breckland	East of England	£268,905	£37,279	£59,757	7.2x	30%	Stretched
Solihull	West Midlands	£337,112	£46,732	£74,914	7.2x	33%	Stretched
East Suffolk	East of England	£276,301	£38,142	£61,400	7.2x	26%	Stretched
Thurrock	East of England	£321,941	£44,340	£71,542	7.3x	37%	Stretched
Eastleigh	South East England	£310,283	£42,640	£68,952	7.3x	34%	Stretched
Rushcliffe	East Midlands	£324,012	£44,507	£72,003	7.3x	28%	Stretched
Shropshire	West Midlands	£275,232	£37,804	£61,163	7.3x	26%	Stretched
Cheshire East	North West England	£309,121	£42,021	£68,694	7.4x	28%	Stretched
Rutland	East Midlands	£298,916	£40,368	£66,426	7.4x	29%	Stretched
Torridge	South West England	£263,378	£35,563	£58,528	7.4x	27%	Stretched
Medway	South East England	£298,547	£40,212	£66,344	7.4x	37%	Stretched
Colchester	East of England	£297,824	£39,863	£66,183	7.5x	36%	Stretched
Lichfield	West Midlands	£335,799	£44,845	£74,622	7.5x	30%	Stretched
West Suffolk	East of England	£294,810	£39,270	£65,513	7.5x	36%	Stretched
Mid Devon	South West England	£281,450	£37,398	£62,544	7.5x	28%	Stretched
Swale	South East England	£298,985	£39,572	£66,441	7.6x	34%	Stretched
Cheltenham	South West England	£322,758	£42,510	£71,724	7.6x	36%	Stretched
Warwick	West Midlands	£369,220	£48,584	£82,049	7.6x	31%	Stretched
Somerset	South West England	£282,062	£36,951	£62,680	7.6x	33%	Stretched
Braintree	East of England	£328,477	£42,926	£72,995	7.7x	34%	Stretched
Bromsgrove	West Midlands	£335,607	£43,846	£74,579	7.7x	27%	Stretched
Huntingdonshire	East of England	£308,374	£40,227	£68,528	7.7x	32%	Stretched
Fareham	South East England	£333,599	£43,456	£74,133	7.7x	32%	Stretched
West Northamptonshire	East Midlands	£291,929	£37,872	£64,873	7.7x	34%	Stretched
Gravesham	South East England	£344,923	£44,668	£76,650	7.7x	36%	Stretched
Folkestone and Hythe	South East England	£303,296	£39,276	£67,399	7.7x	36%	Stretched
Luton	East of England	£284,946	£36,868	£63,321	7.7x	40%	Stretched
Milton Keynes	South East England	£330,419	£42,520	£73,426	7.8x	38%	Stretched
Harborough	East Midlands	£347,010	£44,585	£77,113	7.8x	26%	Stretched
Southend-on-Sea	East of England	£328,383	£42,130	£72,974	7.8x	37%	Stretched
York	Yorkshire and the Humber	£310,781	£39,863	£69,062	7.8x	36%	Stretched
Cornwall	South West England	£275,642	£35,298	£61,254	7.8x	34%	Stretched
South Norfolk	East of England	£311,587	£39,900	£69,242	7.8x	30%	Stretched
Herefordshire	West Midlands	£289,607	£37,081	£64,357	7.8x	27%	Stretched
South Staffordshire	West Midlands	£310,862	£39,759	£69,080	7.8x	29%	Stretched
Stockport	North West England	£317,913	£40,648	£70,647	7.8x	33%	Stretched
North Somerset	South West England	£313,638	£39,936	£69,697	7.9x	36%	Stretched
Worthing	South East England	£297,200	£37,653	£66,044	7.9x	41%	Stretched
Central Bedfordshire	East of England	£356,758	£45,172	£79,280	7.9x	33%	Stretched
Mid Suffolk	East of England	£315,898	£39,712	£70,200	8.0x	30%	Stretched
Tewkesbury	South West England	£325,898	£40,825	£72,422	8.0x	32%	Stretched
Exeter	South West England	£282,696	£35,235	£62,821	8.0x	45%	Expensive
Dartford	South East England	£347,773	£43,243	£77,283	8.0x	44%	Expensive
Bournemouth, Christchurch and Poole	South West England	£310,094	£37,903	£68,910	8.2x	44%	Expensive
North Hertfordshire	East of England	£418,857	£51,137	£93,079	8.2x	34%	Expensive
Bedford	East of England	£333,824	£40,550	£74,183	8.2x	35%	Expensive
Slough	South East England	£335,759	£40,768	£74,613	8.2x	46%	Expensive
Havant	South East England	£315,820	£38,230	£70,182	8.3x	36%	Expensive
Chelmsford	East of England	£378,080	£45,672	£84,018	8.3x	38%	Expensive
South Gloucestershire	South West England	£341,833	£41,236	£75,963	8.3x	43%	Expensive
West Devon	South West England	£285,834	£34,445	£63,519	8.3x	29%	Expensive
Broadland	East of England	£313,407	£37,669	£69,646	8.3x	30%	Expensive
Reading	South East England	£349,550	£41,855	£77,678	8.4x	45%	Expensive
North Devon	South West England	£282,633	£33,816	£62,807	8.4x	30%	Expensive
Melton	East Midlands	£282,521	£33,784	£62,782	8.4x	29%	Expensive
Crawley	South East England	£332,384	£39,645	£73,863	8.4x	45%	Expensive
Wiltshire	South West England	£328,746	£39,047	£73,055	8.4x	33%	Expensive
Teignbridge	South West England	£302,368	£35,849	£67,193	8.4x	32%	Expensive
Harlow	East of England	£319,860	£37,861	£71,080	8.4x	48%	Expensive
East Cambridgeshire	East of England	£346,413	£40,882	£76,981	8.5x	30%	Expensive
Dorset	South West England	£325,154	£38,329	£72,256	8.5x	33%	Expensive
Derbyshire Dales	East Midlands	£355,387	£41,808	£78,975	8.5x	24%	Expensive
Castle Point	East of England	£356,579	£41,855	£79,240	8.5x	36%	Expensive
Lewes	South East England	£368,408	£43,108	£81,868	8.5x	37%	Expensive
Rushmoor	South East England	£326,771	£37,872	£72,616	8.6x	44%	Expensive
Wychavon	West Midlands	£322,623	£37,357	£71,694	8.6x	31%	Expensive
Tower Hamlets	Greater London	£447,796	£51,823	£99,510	8.6x	57%	Expensive
Basingstoke and Deane	South East England	£370,223	£42,801	£82,272	8.6x	37%	Expensive
Bristol	South West England	£352,262	£40,586	£78,280	8.7x	56%	Expensive
Wealden	South East England	£391,211	£45,027	£86,936	8.7x	34%	Expensive
North Norfolk	East of England	£292,563	£33,602	£65,014	8.7x	31%	Expensive
Stroud	South West England	£351,736	£40,165	£78,164	8.8x	31%	Expensive
Cherwell	South East England	£356,935	£40,742	£79,319	8.8x	38%	Expensive
Arun	South East England	£321,460	£36,691	£71,436	8.8x	40%	Expensive
Maidstone	South East England	£352,722	£40,253	£78,383	8.8x	39%	Expensive
Basildon	East of England	£367,233	£41,907	£81,607	8.8x	41%	Expensive
East Devon	South West England	£339,683	£38,756	£75,485	8.8x	30%	Expensive
Croydon	Greater London	£390,041	£44,496	£86,676	8.8x	43%	Expensive
Broxbourne	East of England	£411,689	£46,847	£91,486	8.8x	43%	Expensive
Malvern Hills	West Midlands	£350,772	£39,837	£77,949	8.8x	28%	Expensive
Bracknell Forest	South East England	£395,413	£44,845	£87,870	8.8x	39%	Expensive
Canterbury	South East England	£337,454	£38,220	£74,990	8.8x	40%	Expensive
Trafford	North West England	£400,688	£45,188	£89,042	8.9x	36%	Expensive
Test Valley	South East England	£368,131	£41,356	£81,807	8.9x	36%	Expensive
Watford	East of England	£404,299	£45,344	£89,844	8.9x	48%	Expensive
Bexley	Greater London	£413,343	£46,233	£91,854	8.9x	40%	Expensive
Ashford	South East England	£347,562	£38,641	£77,236	9.0x	39%	Expensive
West Berkshire	South East England	£403,682	£44,762	£89,707	9.0x	36%	Expensive
South Hams	South West England	£355,483	£39,062	£78,996	9.1x	31%	Expensive
Newham	Greater London	£390,349	£42,754	£86,744	9.1x	54%	Expensive
Maldon	East of England	£389,529	£42,661	£86,562	9.1x	32%	Expensive
East Hertfordshire	East of England	£457,417	£49,951	£101,648	9.2x	37%	Expensive
Rochford	East of England	£412,543	£44,975	£91,676	9.2x	35%	Expensive
South Cambridgeshire	East of England	£439,573	£47,294	£97,683	9.3x	36%	Expensive
Babergh	East of England	£330,523	£35,469	£73,450	9.3x	33%	Expensive
Stratford-on-Avon	West Midlands	£396,753	£42,515	£88,167	9.3x	32%	Expensive
East Hampshire	South East England	£440,541	£46,873	£97,898	9.4x	32%	Expensive
Rother	South East England	£337,816	£35,927	£75,070	9.4x	39%	Expensive
Tonbridge and Malling	South East England	£407,880	£42,666	£90,640	9.6x	42%	Expensive
Uttlesford	East of England	£476,329	£49,826	£105,851	9.6x	31%	Expensive
Barking and Dagenham	Greater London	£375,604	£39,213	£83,468	9.6x	52%	Expensive
Vale of White Horse	South East England	£413,773	£43,025	£91,950	9.6x	38%	Expensive
Surrey Heath	South East England	£457,988	£47,601	£101,775	9.6x	38%	Expensive
Havering	Greater London	£448,648	£46,582	£99,700	9.6x	40%	Expensive
Spelthorne	South East England	£439,609	£45,588	£97,691	9.6x	45%	Expensive
Runnymede	South East England	£477,182	£49,057	£106,040	9.7x	39%	Expensive
Horsham	South East England	£441,654	£45,297	£98,145	9.8x	39%	Expensive
Adur	South East England	£380,120	£38,906	£84,471	9.8x	43%	Expensive
South Oxfordshire	South East England	£476,026	£48,625	£105,784	9.8x	35%	Expensive
Woking	South East England	£439,916	£44,845	£97,759	9.8x	43%	Expensive
Mid Sussex	South East England	£430,777	£43,768	£95,728	9.8x	39%	Expensive
Greenwich	Greater London	£462,589	£46,946	£102,798	9.9x	51%	Expensive
Dacorum	East of England	£459,235	£46,207	£102,052	9.9x	41%	Expensive
Bath and North East Somerset	South West England	£409,045	£41,096	£90,899	10.0x	55%	Expensive
Hart	South East England	£481,051	£48,256	£106,900	10.0x	35%	Expensive
Welwyn Hatfield	East of England	£448,681	£44,933	£99,707	10.0x	40%	Expensive
Cotswold	South West England	£421,125	£42,172	£93,583	10.0x	36%	Expensive
Wokingham	South East England	£496,537	£49,592	£110,342	10.0x	35%	Expensive
Reigate and Banstead	South East England	£480,824	£47,798	£106,850	10.1x	41%	Expensive
Tunbridge Wells	South East England	£456,227	£45,297	£101,384	10.1x	41%	Expensive
New Forest	South East England	£384,977	£38,111	£85,550	10.1x	39%	Expensive
Bromley	Greater London	£511,670	£50,154	£113,704	10.2x	40%	Expensive
Sutton	Greater London	£452,654	£44,304	£100,590	10.2x	42%	Expensive
Brighton and Hove	South East England	£408,948	£39,806	£90,877	10.3x	55%	Expensive
Brentwood	East of England	£514,480	£49,478	£114,329	10.4x	39%	Expensive
Winchester	South East England	£463,025	£44,486	£102,894	10.4x	41%	Expensive
Enfield	Greater London	£470,988	£44,985	£104,664	10.5x	49%	Expensive
West Oxfordshire	South East England	£418,586	£39,863	£93,019	10.5x	39%	Expensive
Lewisham	Greater London	£488,658	£46,374	£108,591	10.5x	47%	Expensive
Cambridge	East of England	£475,151	£45,079	£105,589	10.5x	48%	Expensive
Redbridge	Greater London	£481,297	£44,845	£106,955	10.7x	46%	Expensive
Lambeth	Greater London	£536,623	£49,223	£119,250	10.9x	62%	Expensive
St Albans	East of England	£646,781	£58,999	£143,729	11.0x	39%	Expensive
Oxford	South East England	£471,667	£43,020	£104,815	11.0x	55%	Expensive
Buckinghamshire	South East England	£479,736	£43,462	£106,608	11.0x	41%	Expensive
Tandridge	South East England	£482,599	£43,519	£107,244	11.1x	45%	Expensive
Waverley	South East England	£553,429	£49,790	£122,984	11.1x	35%	Expensive
Hillingdon	Greater London	£470,875	£41,954	£104,639	11.2x	45%	Expensive
Waltham Forest	Greater London	£529,102	£46,842	£117,578	11.3x	45%	Expensive
Epping Forest	East of England	£525,719	£45,916	£116,826	11.4x	48%	Expensive
Sevenoaks	South East England	£538,714	£46,831	£119,714	11.5x	46%	Expensive
Harrow	Greater London	£526,493	£45,760	£116,998	11.5x	47%	Expensive
Guildford	South East England	£532,917	£45,885	£118,426	11.6x	45%	Expensive
Windsor and Maidenhead	South East England	£575,036	£49,499	£127,786	11.6x	44%	Expensive
Epsom and Ewell	South East England	£568,214	£48,610	£126,270	11.7x	42%	Expensive
Southwark	Greater London	£572,478	£48,875	£127,217	11.7x	61%	Expensive
Merton	Greater London	£615,890	£51,704	£136,864	11.9x	50%	Expensive
Kingston upon Thames	Greater London	£591,555	£49,566	£131,457	11.9x	44%	Expensive
Chichester	South East England	£432,078	£36,202	£96,017	11.9x	44%	Expensive
Hertsmere	East of England	£548,704	£45,869	£121,934	12.0x	48%	Expensive
Hackney	Greater London	£605,729	£49,884	£134,606	12.1x	64%	Expensive
Hounslow	Greater London	£525,435	£41,990	£116,763	12.5x	56%	Expensive
Three Rivers	East of England	£590,816	£46,405	£131,292	12.7x	47%	Expensive
Barnet	Greater London	£600,560	£47,081	£133,458	12.8x	50%	Expensive
Mole Valley	South East England	£555,858	£43,545	£123,524	12.8x	43%	Expensive
Islington	Greater London	£674,592	£52,260	£149,909	12.9x	66%	Expensive
Wandsworth	Greater London	£686,076	£52,863	£152,461	13.0x	60%	Expensive
Brent	Greater London	£546,135	£40,882	£121,363	13.4x	59%	Expensive
Haringey	Greater London	£638,690	£46,842	£141,931	13.6x	57%	Expensive
Ealing	Greater London	£585,216	£42,021	£130,048	13.9x	60%	Expensive
Richmond upon Thames	Greater London	£803,249	£54,943	£178,500	14.6x	51%	Expensive
Elmbridge	South East England	£748,080	£50,456	£166,240	14.8x	45%	Expensive
Camden	Greater London	£815,159	£53,685	£181,146	15.2x	63%	Expensive
Hammersmith and Fulham	Greater London	£738,048	£47,700	£164,011	15.5x	71%	Expensive
City of Westminster	Greater London	£876,788	£52,806	£194,842	16.6x	73%	Expensive
Kensington and Chelsea	Greater London	£1,232,640	£53,175	£273,920	23.2x	83%	Expensive

What the ratio means

The house price to income ratio shows how many years of median annual pay it would take to equal the average house price before mortgage interest, deposit, tax and living costs.

A lower ratio usually means average prices are closer to local salaries. A higher ratio signals more pressure between wages and prices, especially for buyers without large deposits.

Ratio vs mortgage affordability

This is not a mortgage decision by itself. Lenders also consider deposit, income multiple, interest rates, credit commitments, household spending, income type and stress testing.

Use this page as a market comparison, then use mortgage and cash flow tools when you want to test a specific purchase or rental scenario.

Methodology and sources

The page uses official datasets already refreshed for Bellsoph property data.

House prices

Average prices come from the UK House Price Index for each area.

Earnings

Income uses resident median annual pay from ONS ASHE labour data.

Rents

Rent share uses ONS private rent data where local rent data is available.

Refresh

Data updates through the monthly refresh and ONS release-watch workflows.

Related tools and data

Move from affordability context into local market research or purchase calculations.

Most affordable places to buy a house

Open the live England ranking with monthly source dates, movement and the complete area table.

Open UK property data

Open the live UK market workspace for prices, rents, regions and local pages.

Open Buy-to-let mortgage calculator

Move from affordability context into mortgage payment and rent-coverage checks.

Open Monthly cash-flow calculator

Add rent, mortgage and running costs to test monthly surplus or shortfall.

Open Rental yield calculator

Compare rental income with purchase price and annual running costs.

Open

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House price to income ratio FAQs

What is the house price to income ratio?

The house price to income ratio compares an average house price with annual earnings. A 6.8x ratio means the average home costs about 6.8 times median annual pay.

How do you calculate house price to salary ratio?

Divide the average house price by median annual pay. This page uses official UK HPI average prices and resident median annual pay from ONS and ASHE labour data.

What is a good house price to income ratio?

Lower ratios are generally easier to afford. This page labels areas below 5x as more affordable, 5x to 8x as stretched, and above 8x as expensive.

Is house price to income ratio the same as mortgage affordability?

No. The ratio compares prices with earnings. Mortgage affordability also depends on deposit, interest rate, lender criteria, debts, tax, bills and household spending.

How do you estimate the salary needed to buy a house?

A simple estimate is average house price divided by a 4.5x income multiple. This page shows that indicative salary by area, but actual lender decisions depend on deposit, debts, spending, credit profile and mortgage rates.

How often is this data updated?

The page uses the same official data pipeline as Bellsoph UK property data. House price, rent and labour files are refreshed through the monthly data workflow and ONS release-watch process.