Land Registry & ONS · May 2026

House price to income, by area

House prices only mean something against wages. This ranks every UK local authority by how many years of the median full-time salary the average home costs — the single clearest measure of whether somewhere is within reach.

England7.5×median salary

Most affordable3.3×Burnley

Least affordable32.2×Kensington and Chelsea

Within reach on median pay42of 317 areas

That last figure is the one worth sitting with. Someone earning the median £39,039, borrowing a typical 4.5 times income with a 10% deposit, could reach about £195,195 — enough for the average home in 42 of 317 local authorities. On one income, most of the country is out of reach.

Find an area

Showing 317 of 317 local authorities · May 2026

Rank	Area	Years of salary	Average price	1 yr
1	Burnley	3.3×	£129,643	+4.2%
2	City of Kingston upon Hull	3.4×	£133,485	+3.4%
3	Hartlepool	3.4×	£131,342	+2.8%
4	Blackpool	3.4×	£133,919	+5.3%
5	Hyndburn	3.5×	£138,477	+8.6%
6	County Durham	3.5×	£137,167	+4.4%
7	Middlesbrough	3.5×	£138,122	+1.4%
8	Sunderland	3.7×	£145,921	+6.9%
9	Blaenau Gwent	3.7×	£143,645	+6.9%
10	Merthyr Tydfil	3.8×	£148,214	-0.6%
11	North East Lincolnshire	3.8×	£148,294	+2.3%
12	Pendle	3.9×	£151,427	+8.3%
13	Stoke-on-Trent	3.9×	£151,355	+5%
14	Darlington	4×	£157,239	+1.9%
15	Redcar and Cleveland	4×	£154,696	+8.7%
16	Gateshead	4.1×	£158,765	+6.3%
17	South Tyneside	4.1×	£159,318	+3.8%
18	Neath Port Talbot	4.1×	£161,864	+1.3%
19	Blackburn with Darwen	4.2×	£165,437	+3.5%
20	Rhondda Cynon Taf	4.3×	£168,304	+8.7%
21	Stockton-on-Tees	4.3×	£169,010	+2.6%
22	Barnsley	4.4×	£173,077	+3.8%
23	Doncaster	4.4×	£172,857	+4.1%
24	Cumberland	4.4×	£173,130	+6.2%
25	Boston	4.6×	£179,027	+2%
26	Liverpool	4.7×	£184,670	+4.8%
27	St Helens	4.7×	£182,923	+8.8%
28	North Lincolnshire	4.7×	£181,761	+6.1%
29	Knowsley	4.8×	£188,727	+3%
30	Bradford	4.8×	£187,452	+5.6%
31	Lincoln	4.8×	£186,722	+0.4%
32	Mansfield	4.8×	£188,718	-0.6%
33	Ashfield	4.8×	£188,423	+1.3%
34	Bolsover	4.8×	£186,908	+3.9%
35	Wyre	4.8×	£188,175	+0.8%
36	Preston	4.8×	£186,418	+10.7%
37	Rossendale	4.8×	£189,243	+0.3%
38	Calderdale	4.9×	£189,509	+5.1%
39	Rotherham	4.9×	£192,309	+2.9%
40	City of Nottingham	4.9×	£190,806	-0.7%
41	Wigan	5×	£194,494	+5.4%
42	Wakefield	5×	£197,140	+2.7%
43	Lancaster	5×	£193,434	+0.9%
44	Carmarthenshire	5×	£195,515	+4.7%
45	Halton	5×	£195,813	+6.6%
46	Bolton	5.1×	£200,126	+3.3%
47	North Tyneside	5.1×	£200,392	+3.8%
48	Caerphilly	5.1×	£198,809	+9.2%
49	Denbighshire	5.1×	£200,146	+3.5%
50	Newcastle-under-Lyme	5.2×	£201,524	+3.1%
51	Chesterfield	5.2×	£203,110	+5.6%
52	Torfaen	5.2×	£201,540	+4.3%
53	Gwynedd	5.2×	£203,619	+2.5%
54	Kirklees	5.3×	£205,971	+4.1%
55	Newcastle upon Tyne	5.3×	£207,029	+3.7%
56	Rochdale	5.3×	£208,286	+4.3%
57	Bassetlaw	5.3×	£207,844	+2.9%
58	Great Yarmouth	5.3×	£205,316	-0.5%
59	West Lindsey	5.3×	£207,424	+6.2%
60	City of Derby	5.3×	£205,425	+2%
61	Bridgend	5.3×	£207,915	+2.7%
62	Swansea	5.3×	£206,087	+1.1%
63	Sandwell	5.4×	£209,354	+2.9%
64	Tameside	5.4×	£209,691	+2.3%
65	East Lindsey	5.4×	£212,312	+4.4%
66	South Ribble	5.4×	£211,406	+3.4%
67	Northumberland	5.4×	£209,135	+8.3%
68	Walsall	5.5×	£214,032	+1.6%
69	Wolverhampton	5.5×	£216,339	+8%
70	Oldham	5.5×	£212,997	+3%
71	Chorley	5.5×	£214,636	+4.7%
72	Conwy	5.5×	£213,240	+1.8%
73	Flintshire	5.5×	£213,863	+1.7%
74	Wrexham	5.5×	£214,317	+5.1%
75	Wirral	5.6×	£217,407	+6.5%
76	Coventry	5.6×	£220,410	+1.3%
77	Ipswich	5.6×	£219,718	-1.8%
78	Telford and Wrekin	5.6×	£216,685	-0.3%
79	City of Plymouth	5.6×	£219,145	+3.7%
80	Pembrokeshire	5.6×	£220,318	-0.3%
81	Sefton	5.7×	£222,406	+3.5%
82	Sheffield	5.7×	£220,804	+3.5%
83	Torbay	5.7×	£222,289	-2.3%
84	East Riding of Yorkshire	5.7×	£220,913	+3.3%
85	Cannock Chase	5.8×	£226,761	+1.3%
86	Erewash	5.8×	£224,509	+4%
87	Fenland	5.8×	£225,725	+1.6%
88	Staffordshire Moorlands	5.8×	£226,249	+7.3%
89	East Staffordshire	5.8×	£224,622	+3.8%
90	Nuneaton and Bedworth	5.8×	£226,538	+2%
91	Westmorland and Furness	5.8×	£227,987	+6.8%
92	Salford	5.9×	£231,153	-6.1%
93	Dudley	5.9×	£229,616	+4.5%
94	Fylde	5.9×	£228,737	+5.2%
95	South Holland	5.9×	£231,156	+6.3%
96	Tamworth	5.9×	£231,488	+3.3%
97	West Lancashire	5.9×	£229,547	+2.1%
98	Leicester	5.9×	£230,107	+2%
99	Newport	5.9×	£231,830	+5.8%
100	Birmingham	6×	£232,657	-0.3%
101	Newark and Sherwood	6×	£234,266	+5.3%
102	Wyre Forest	6×	£234,413	+3.5%
103	City of Peterborough	6×	£235,773	+1%
104	Southampton	6×	£235,757	-0.7%
105	Powys	6×	£235,845	+4%
106	Bury	6.1×	£238,266	+3%
107	Amber Valley	6.1×	£236,305	+6.1%
108	Hastings	6.1×	£236,879	-3.7%
109	Norwich	6.1×	£237,629	+5.8%
110	Gosport	6.1×	£236,660	+0.8%
111	Isle of Anglesey	6.1×	£237,629	+5.2%
112	Isle of Wight	6.1×	£238,456	-1.4%
113	Gloucester	6.2×	£242,097	+4.7%
114	North Kesteven	6.2×	£241,121	+2%
115	Redditch	6.2×	£243,585	0%
116	Ceredigion	6.2×	£243,343	+7%
117	Leeds	6.3×	£246,699	+3.7%
118	Manchester	6.3×	£247,469	+0.5%
119	Gedling	6.3×	£246,120	+3.1%
120	Eastbourne	6.4×	£250,523	-3.8%
121	Worcester	6.4×	£251,703	+2.1%
122	North East Derbyshire	6.5×	£254,787	+10.6%
123	High Peak	6.5×	£254,489	+4%
124	Broxtowe	6.5×	£253,567	+1.9%
125	South Kesteven	6.5×	£254,647	+1.3%
126	Warrington	6.5×	£253,937	+4.3%
127	Portsmouth	6.5×	£252,325	-0.3%
128	Torridge	6.6×	£257,052	-0.1%
129	North Northamptonshire	6.6×	£256,769	+3.3%
130	Hinckley and Bosworth	6.7×	£260,282	+2%
131	King's Lynn and West Norfolk	6.7×	£262,525	+2.8%
132	South Derbyshire	6.7×	£261,231	+5.9%
133	Stafford	6.7×	£263,494	+4.7%
134	Oadby and Wigston	6.7×	£263,380	-0.9%
135	Tendring	6.7×	£259,697	+0.4%
136	Swindon	6.7×	£261,170	+2.6%
137	North Warwickshire	6.8×	£265,742	+1.7%
138	Dover	6.9×	£271,263	+1%
139	Thanet	6.9×	£267,616	-0.6%
140	Cheshire West and Chester	6.9×	£268,449	+5.8%
141	North Yorkshire	6.9×	£270,320	+2.6%
142	Rugby	7×	£274,942	+0.2%
143	Cardiff	7×	£272,866	+2.9%
144	Charnwood	7.1×	£278,883	+5.1%
145	North Devon	7.1×	£277,867	+0.6%
146	Breckland	7.1×	£275,544	+3%
147	Exeter	7.2×	£281,197	-2.2%
148	Blaby	7.2×	£281,459	-0.5%
149	East Suffolk	7.2×	£279,914	+2.1%
150	Luton	7.2×	£282,653	-0.7%
151	Cornwall	7.2×	£279,722	+4%
152	Shropshire	7.2×	£280,739	+3.1%
153	Somerset	7.2×	£280,768	+3%
154	Mid Devon	7.3×	£285,941	-1.8%
155	North West Leicestershire	7.3×	£286,826	+6%
156	Ribble Valley	7.3×	£283,325	+1.8%
157	Melton	7.4×	£288,513	+0.9%
158	Forest of Dean	7.4×	£289,671	+0.2%
159	Herefordshire	7.4×	£286,995	+4.7%
160	Swale	7.5×	£294,113	+3.7%
161	North Norfolk	7.5×	£293,640	-0.7%
162	West Northamptonshire	7.5×	£292,495	+1.8%
163	Medway	7.5×	£292,653	-0.4%
164	Vale of Glamorgan	7.5×	£292,677	+2.9%
165	Colchester	7.6×	£298,257	-0.5%
166	West Devon	7.6×	£294,782	+2.2%
167	West Suffolk	7.6×	£297,440	+2.3%
168	Rutland	7.6×	£295,693	-4.3%
169	Worthing	7.7×	£299,298	-3.7%
170	Teignbridge	7.7×	£302,202	-1.3%
171	Cheshire East	7.7×	£302,367	+3.5%
172	Huntingdonshire	7.9×	£306,605	+4.1%
173	Eastleigh	7.9×	£307,883	0%
174	South Staffordshire	7.9×	£309,923	+4.2%
175	York	7.9×	£308,786	+3.3%
176	Harlow	8×	£313,497	+1.8%
177	Folkestone and Hythe	8×	£311,163	+1.6%
178	North Somerset	8×	£312,303	+6.4%
179	Stockport	8.1×	£318,163	+5.4%
180	Havant	8.1×	£315,078	+2.8%
181	Broadland	8.1×	£314,426	+7.6%
182	South Norfolk	8.1×	£314,302	+1.7%
183	Stevenage	8.1×	£317,948	+4.3%
184	Bournemouth Christchurch and Poole	8.1×	£315,473	-1%
185	Mid Suffolk	8.2×	£318,641	+4.2%
186	Braintree	8.2×	£321,485	-0.4%
187	Wychavon	8.2×	£321,348	+3.5%
188	Arun	8.3×	£323,532	+2.3%
189	Babergh	8.3×	£325,407	+1.5%
190	Milton Keynes	8.3×	£324,767	-0.7%
191	Monmouthshire	8.3×	£325,582	-1.7%
192	Fareham	8.4×	£326,107	0%
193	Cheltenham	8.4×	£329,183	+3.7%
194	Tewkesbury	8.4×	£327,410	+6%
195	Slough	8.4×	£329,713	-4.4%
196	Wiltshire	8.4×	£327,384	+1.6%
197	Thurrock	8.4×	£327,028	+2.3%
198	Dorset	8.4×	£326,381	+1.4%
199	Southend-on-Sea	8.4×	£328,939	+4.2%
200	Crawley	8.5×	£333,662	+1.5%
201	Bromsgrove	8.5×	£330,194	-1%
202	Rushmoor	8.5×	£330,954	+1.9%
203	Bedford	8.5×	£332,893	+6.7%
204	Solihull	8.6×	£336,572	+4%
205	Lichfield	8.6×	£337,175	+4.5%
206	Malvern Hills	8.6×	£337,558	+3.9%
207	Dartford	8.6×	£337,333	-0.8%
208	Gravesham	8.7×	£341,472	+0.9%
209	Rushcliffe	8.7×	£338,301	+3.5%
210	South Gloucestershire	8.7×	£340,401	+2.1%
211	Rother	8.8×	£343,529	+0.4%
212	Derbyshire Dales	8.8×	£343,049	+6.5%
213	East Devon	8.8×	£344,347	-0.1%
214	Ashford	8.8×	£344,404	+0.7%
215	Canterbury	8.9×	£346,674	+5.1%
216	Harborough	8.9×	£346,278	+7.1%
217	Stroud	8.9×	£348,815	+3.9%
218	East Cambridgeshire	8.9×	£347,020	+5.6%
219	Maidstone	9×	£352,309	+0.4%
220	Reading	9×	£351,267	-2.4%
221	Central Bedfordshire	9.1×	£354,320	+1.8%
222	City of Bristol	9.1×	£354,924	+2.2%
223	Barking and Dagenham	9.2×	£360,889	-0.2%
224	Basildon	9.2×	£357,972	-1.4%
225	Cherwell	9.2×	£357,800	+4.2%
226	South Hams	9.3×	£363,603	-6.5%
227	Basingstoke and Deane	9.4×	£366,291	-2.9%
228	Castle Point	9.4×	£367,237	+2.2%
229	Warwick	9.4×	£366,942	+3.4%
230	Lewes	9.5×	£370,799	+2.5%
231	Test Valley	9.5×	£370,329	+0.5%
232	Adur	9.6×	£373,082	+0.8%
233	New Forest	9.6×	£375,728	+0.6%
234	Chelmsford	9.8×	£382,131	+0.4%
235	Maldon	9.9×	£385,342	+1.5%
236	Wealden	10×	£388,501	-1%
237	Trafford	10.1×	£393,244	+6.2%
238	Stratford-on-Avon	10.1×	£392,880	+2.8%
239	Watford	10.1×	£395,360	+2.2%
240	Croydon	10.2×	£396,760	-0.4%
241	Broxbourne	10.3×	£403,029	-0.6%
242	Tonbridge and Malling	10.3×	£403,227	+1.6%
243	Bracknell Forest	10.3×	£401,886	+0.5%
244	Brighton and Hove	10.3×	£403,999	-1.4%
245	West Berkshire	10.3×	£400,698	+0.2%
246	Newham	10.4×	£405,002	-1.4%
247	Bath and North East Somerset	10.4×	£406,169	+0.9%
248	Bexley	10.5×	£408,585	+2.2%
249	Rochford	10.5×	£411,367	+5.6%
250	Cotswold	10.5×	£408,433	+3.9%
251	Vale of White Horse	10.5×	£407,966	+3.6%
252	North Hertfordshire	10.7×	£416,735	+3.7%
253	West Oxfordshire	10.7×	£417,246	-2.4%
254	South Cambridgeshire	10.8×	£422,363	+0.4%
255	Mid Sussex	11×	£430,711	+0.4%
256	Spelthorne	11×	£429,916	-3.5%
257	Chichester	11.2×	£436,312	-1%
258	Horsham	11.3×	£440,863	+1.3%
259	East Hampshire	11.3×	£440,217	+0.7%
260	Woking	11.3×	£441,435	+0.4%
261	Tower Hamlets	11.4×	£444,332	-14.5%
262	Sutton	11.4×	£445,451	+0.9%
263	Havering	11.6×	£452,798	+2.8%
264	Dacorum	11.6×	£454,770	0%
265	Welwyn Hatfield	11.6×	£453,552	+6.2%
266	Tunbridge Wells	11.6×	£452,286	0%
267	Surrey Heath	11.7×	£457,454	+6%
268	East Hertfordshire	11.8×	£460,485	+4.2%
269	Greenwich	11.9×	£463,436	+0.1%
270	Hillingdon	12×	£467,887	-0.7%
271	Enfield	12×	£469,164	-0.7%
272	Cambridge	12×	£467,028	-1.6%
273	South Oxfordshire	12.1×	£470,720	+4.3%
274	Oxford	12.1×	£473,467	+2.2%
275	Tandridge	12.2×	£476,832	-4.9%
276	Winchester	12.2×	£476,639	+3.1%
277	Uttlesford	12.3×	£480,733	+1.3%
278	Runnymede	12.4×	£482,170	+2%
279	Reigate and Banstead	12.4×	£483,340	+1.7%
280	Buckinghamshire	12.4×	£485,824	+2.8%
281	Hart	12.5×	£486,882	+3.3%
282	Lewisham	12.7×	£496,774	+2.3%
283	Redbridge	12.7×	£495,947	+2.4%
284	Wokingham	12.7×	£495,261	-3%
285	Hounslow	12.8×	£501,326	-2.4%
286	Waltham Forest	13.4×	£524,337	+3.1%
287	Bromley	13.4×	£524,638	+0.2%
288	Guildford	13.4×	£522,008	-5.6%
289	Harrow	13.6×	£530,021	+0.4%
290	Brentwood	13.6×	£530,088	+1.9%
291	Epping Forest	13.7×	£535,682	+5.7%
292	Mole Valley	13.8×	£540,643	+0.7%
293	Lambeth	14×	£545,315	-2.9%
294	Brent	14.1×	£548,895	-3.3%
295	Sevenoaks	14.2×	£553,752	+3.9%
296	Hertsmere	14.4×	£562,261	+2.8%
297	Waverley	14.5×	£567,214	+2.1%
298	Ealing	14.6×	£568,887	-2.5%
299	Epsom and Ewell	14.6×	£568,755	+2.9%
300	Southwark	14.8×	£578,683	+0.9%
301	Three Rivers	14.8×	£576,942	-1.2%
302	Kingston upon Thames	14.9×	£582,403	0%
303	Windsor and Maidenhead	15×	£584,743	+0.2%
304	Barnet	15.1×	£590,583	-4.3%
305	Merton	15.3×	£597,138	-1.3%
306	Hackney	15.6×	£608,470	+0.1%
307	City of London	16.1×	£626,980	-28.1%
308	Haringey	16.2×	£633,853	+2.4%
309	St Albans	16.4×	£638,489	+3%
310	Wandsworth	16.9×	£659,547	-6.1%
311	Islington	17.2×	£669,879	-6.4%
312	Hammersmith and Fulham	18.7×	£729,407	-10.9%
313	Elmbridge	19.2×	£750,157	-0.2%
314	Richmond upon Thames	20.2×	£788,872	-2.5%
315	Camden	20.6×	£805,837	-6.2%
316	City of Westminster	21.4×	£836,331	-22.8%
317	Kensington and Chelsea	32.2×	£1,255,567	-10.7%

How this is calculated

Each area's average house price from the HM Land Registry House Price Index, divided by the median UK full-time salary of £39,039 (ONS Annual Survey of Hours and Earnings (ASHE), median gross annual pay, full-time employees, 2025).

One important limitation. That salary is the UK-wide median, not local earnings. Wages are higher in London and the South East, so the true local ratio there is somewhat better than shown, and somewhat worse in lower-paid areas. We use the national figure because it is the comparison most people actually want — “could someone on a normal UK wage buy here” — but if you need proper local ratios, the ONS publishes house price to workplace-based earnings by local authority.

The ratio also ignores interest rates, deposits and take-home pay. It measures how big the mountain is, not how hard the climb feels in a given year — a high ratio with cheap borrowing can be more manageable than a lower one with expensive borrowing.

Why this measure matters more than price

A £400,000 home is cheap or impossible depending entirely on what people earn nearby. Ranking by price alone tells you where the expensive postcodes are; ranking by income multiple tells you where people can actually live, which is a different map.

See the raw prices in the house prices by area table, or how pay has kept up with property since 1997 for the same question over time rather than across places.

Using this data

Suggested citation: Sunny Avenue, “House price to income by area, May 2026”, derived from HM Land Registry UK House Price Index and ONS Annual Survey of Hours and Earnings (ASHE), median gross annual pay, full-time employees. Updated 2026-07-29.

Frequently asked questions

How many times my salary is the average house?

The average English home costs 7.5 times the median UK full-time salary of £39,039. That is the price against a single income before tax — against take-home pay, or against two incomes, the picture looks different again.

Where is housing least affordable in the UK?

Kensington and Chelsea has the highest price-to-income ratio at 32.2 times the median UK salary, with an average price of £1,255,567. Inner London boroughs occupy most of the top of the table.

Where is housing most affordable in the UK?

Burnley has the lowest ratio at 3.3 times median salary, with an average price of £129,643. Affordability is generally best in the North West, North East and parts of Scotland and Wales.

How much can I borrow on the median salary?

On a typical 4.5 times income multiple with a 10% deposit, someone earning the median £39,039 could look at homes up to about £195,195. That reaches the average home in 42 of the 317 local authorities — roughly 13% of the country.

Is the price-to-income ratio the same as affordability?

Not quite. The ratio compares price to gross annual pay and ignores interest rates, deposit size and take-home pay — all of which decide whether a mortgage is actually payable. A high ratio at low interest rates can be more manageable than a lower ratio at high rates.

Sources: HM Land Registry UK House Price Index and ONS Annual Survey of Hours and Earnings (ASHE), median gross annual pay, full-time employees. Contains public sector information licensed under the Open Government Licence v3.0. Updated 2026-07-29.