Home Price Hub Affordability

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How many years' earnings does a home cost?

The affordability ratio divides the median home price by median local earnings. Across England & Wales a typical home now costs 7.6× a year's earnings — up from 5.0× in 2002.

England & Wales, 2002–2025

0×2×4×6×8×20052010201520202025

Median house price ÷ median gross annual residence-based earnings · source: ONS.

Least affordable

  1. Kensington and Chelsea21.9×
  2. City of Westminster16.4×
  3. City of London16.1×
  4. Hammersmith and Fulham14.8×
  5. Camden14.5×
  6. Brent13.9×
  7. Mole Valley13.5×
  8. Ealing13.2×
  9. Haringey13.0×
  10. Richmond upon Thames12.6×
  11. Elmbridge12.5×
  12. Three Rivers12.4×
  13. Islington12.3×
  14. Tandridge12.3×
  15. Hertsmere12.3×

Most affordable

  1. Hyndburn3.9×
  2. Burnley3.9×
  3. Merthyr Tydfil4.0×
  4. Blaenau Gwent4.0×
  5. Cumberland4.2×
  6. Blackpool4.3×
  7. County Durham4.3×
  8. Middlesbrough4.4×
  9. City of Kingston upon Hull4.5×
  10. Neath Port Talbot4.5×
  11. Rhondda Cynon Taf4.6×
  12. Pendle4.6×
  13. Sunderland4.6×
  14. Stockton-on-Tees4.7×
  15. Redcar and Cleveland4.7×

All areas — least to most affordable

#AreaRatio
1 Kensington and Chelsea 21.9×
2 City of Westminster 16.4×
3 City of London 16.1×
4 Hammersmith and Fulham 14.8×
5 Camden 14.5×
6 Brent 13.9×
7 Mole Valley 13.5×
8 Ealing 13.2×
9 Haringey 13.0×
10 Richmond upon Thames 12.6×
11 Elmbridge 12.5×
12 Three Rivers 12.4×
13 Islington 12.3×
14 Tandridge 12.3×
15 Hertsmere 12.3×
16 Harrow 12.2×
17 Barnet 12.1×
18 Hillingdon 12.1×
19 Hounslow 11.9×
20 Waltham Forest 11.9×
21 Chichester 11.8×
22 Hackney 11.7×
23 Windsor and Maidenhead 11.6×
24 Wandsworth 11.6×
25 Kingston upon Thames 11.5×
26 Cambridge 11.3×
27 Epping Forest 11.3×
28 Redbridge 11.2×
29 Southwark 11.1×
30 Reigate and Banstead 11.1×
31 Cotswold 11.0×
32 Waverley 11.0×
33 St Albans 11.0×
34 Lambeth 11.0×
35 Enfield 10.8×
36 Sevenoaks 10.8×
37 Surrey Heath 10.8×
38 Merton 10.7×
39 Epsom and Ewell 10.7×
40 Guildford 10.6×
41 Newham 10.6×
42 Brighton and Hove 10.6×
43 Brentwood 10.5×
44 Buckinghamshire 10.5×
45 Spelthorne 10.5×
46 Lewisham 10.4×
47 Oxford 10.4×
48 Bromley 10.3×
49 Sutton 10.3×
50 Slough 10.1×
51 Arun 10.1×
52 Greenwich 10.1×
53 Dacorum 10.1×
54 Winchester 10.1×
55 Horsham 10.1×
56 Hart 10.0×
57 Woking 9.9×
58 Rother 9.9×
59 Mid Sussex 9.9×
60 New Forest 9.8×
61 Watford 9.8×
62 Bexley 9.8×
63 Tonbridge and Malling 9.8×
64 Havering 9.8×
65 Bath and North East Somerset 9.8×
66 Barking and Dagenham 9.8×
67 Welwyn Hatfield 9.8×
68 Runnymede 9.7×
69 Babergh 9.7×
70 Tower Hamlets 9.6×
71 Adur 9.6×
72 Croydon 9.6×
73 Worthing 9.6×
74 Maidstone 9.6×
75 Rushmoor 9.5×
76 Bracknell Forest 9.5×
77 South Hams 9.4×
78 Lewes 9.4×
79 Wokingham 9.4×
80 Dorset 9.3×
81 Broxbourne 9.3×
82 South Oxfordshire 9.3×
83 Uttlesford 9.2×
84 Ashford 9.2×
85 Malvern Hills 9.2×
86 Canterbury 9.2×
87 Basildon 9.1×
88 Bournemouth Christchurch and Poole 9.1×
89 Luton 9.1×
90 Vale of White Horse 9.1×
91 Rochford 9.1×
92 Crawley 9.1×
93 Wychavon 9.0×
94 North Devon 9.0×
95 West Berkshire 9.0×
96 Test Valley 9.0×
97 West Oxfordshire 9.0×
98 Tunbridge Wells 9.0×
99 Stratford-on-Avon 9.0×
100 Chelmsford 8.9×
101 City of Bristol 8.9×
102 Maldon 8.9×
103 East Hampshire 8.9×
104 South Cambridgeshire 8.8×
105 Harlow 8.7×
106 North Norfolk 8.7×
107 Wealden 8.7×
108 Braintree 8.7×
109 Exeter 8.7×
110 Trafford 8.7×
111 Havant 8.7×
112 North Hertfordshire 8.6×
113 East Hertfordshire 8.6×
114 Castle Point 8.6×
115 Reading 8.6×
116 Stroud 8.6×
117 Cherwell 8.5×
118 Gravesham 8.5×
119 Dartford 8.5×
120 Isle of Wight 8.5×
121 Herefordshire 8.5×
122 Teignbridge 8.5×
123 Wiltshire 8.5×
124 Milton Keynes 8.5×
125 Thurrock 8.4×
126 Huntingdonshire 8.4×
127 Bedford 8.4×
128 Central Bedfordshire 8.4×
129 East Devon 8.4×
130 South Gloucestershire 8.3×
131 Colchester 8.3×
132 Cornwall 8.3×
133 Tewkesbury 8.3×
134 East Cambridgeshire 8.2×
135 Southend-on-Sea 8.2×
136 Eastleigh 8.1×
137 Thanet 8.1×
138 Basingstoke and Deane 8.1×
139 Folkestone and Hythe 8.1×
140 Stevenage 8.1×
141 Torridge 8.1×
142 Hastings 8.1×
143 Broadland 8.0×
144 Mid Devon 8.0×
145 Melton 8.0×
146 Bromsgrove 8.0×
147 Rutland 7.9×
148 Swale 7.9×
149 Fareham 7.9×
150 West Northamptonshire 7.9×
151 North Somerset 7.9×
152 East Suffolk 7.9×
153 Somerset 7.9×
154 Harborough 7.8×
155 West Devon 7.8×
156 Medway 7.8×
157 Stockport 7.8×
158 Cheltenham 7.7×
159 Breckland 7.7×
160 South Norfolk 7.7×
161 Lichfield 7.7×
162 Mid Suffolk 7.6×
163 South Kesteven 7.6×
164 Leicester 7.6×
165 Warwick 7.5×
166 York 7.5×
167 Rushcliffe 7.5×
168 Wyre Forest 7.5×
169 South Staffordshire 7.5×
170 Monmouthshire 7.5×
171 Torbay 7.5×
172 North Yorkshire 7.4×
173 Shropshire 7.4×
174 Eastbourne 7.4×
175 Dover 7.3×
176 King's Lynn and West Norfolk 7.3×
177 Cheshire East 7.3×
178 Derbyshire Dales 7.3×
179 Blaby 7.3×
180 Hinckley and Bosworth 7.3×
181 South Holland 7.3×
182 Tendring 7.3×
183 West Suffolk 7.2×
184 Redditch 7.2×
185 Charnwood 7.2×
186 Portsmouth 7.2×
187 Gloucester 7.2×
188 Cardiff 7.2×
189 Swindon 7.2×
190 Vale of Glamorgan 7.2×
191 Solihull 7.0×
192 Southampton 7.0×
193 High Peak 7.0×
194 East Lindsey 7.0×
195 North West Leicestershire 7.0×
196 Nuneaton and Bedworth 6.9×
197 Bury 6.9×
198 City of Peterborough 6.9×
199 Boston 6.9×
200 North Northamptonshire 6.8×
201 Oadby and Wigston 6.8×
202 Manchester 6.8×
203 Gosport 6.8×
204 Powys 6.8×
205 Ceredigion 6.8×
206 Fenland 6.8×
207 Dudley 6.8×
208 Ribble Valley 6.7×
209 Worcester 6.7×
210 Leeds 6.7×
211 Norwich 6.7×
212 North East Derbyshire 6.6×
213 Gedling 6.6×
214 Salford 6.6×
215 North Warwickshire 6.6×
216 Broxtowe 6.6×
217 Sandwell 6.6×
218 Ipswich 6.5×
219 Walsall 6.5×
220 Stafford 6.5×
221 Birmingham 6.5×
222 Forest of Dean 6.5×
223 North Kesteven 6.5×
224 City of Nottingham 6.5×
225 Newark and Sherwood 6.4×
226 City of Plymouth 6.4×
227 East Staffordshire 6.4×
228 Telford and Wrekin 6.4×
229 Newport 6.3×
230 West Lancashire 6.3×
231 Warrington 6.3×
232 Great Yarmouth 6.3×
233 Cannock Chase 6.3×
234 Rugby 6.3×
235 Isle of Anglesey 6.2×
236 Tamworth 6.2×
237 Sefton 6.2×
238 Amber Valley 6.2×
239 Tameside 6.2×
240 Cheshire West and Chester 6.2×
241 Conwy 6.2×
242 South Derbyshire 6.2×
243 Pembrokeshire 6.2×
244 Wolverhampton 6.1×
245 Oldham 6.1×
246 Coventry 6.0×
247 City of Derby 6.0×
248 Ashfield 6.0×
249 Bolton 6.0×
250 East Riding of Yorkshire 6.0×
251 West Lindsey 6.0×
252 Denbighshire 6.0×
253 Erewash 5.9×
254 Rochdale 5.9×
255 Staffordshire Moorlands 5.9×
256 Newcastle upon Tyne 5.9×
257 Gwynedd 5.9×
258 Kirklees 5.8×
259 Bridgend 5.8×
260 Wakefield 5.8×
261 Mansfield 5.8×
262 Bassetlaw 5.8×
263 Sheffield 5.8×
264 South Ribble 5.8×
265 Westmorland and Furness 5.7×
266 Lancaster 5.7×
267 Wirral 5.7×
268 Flintshire 5.7×
269 North Tyneside 5.7×
270 Chorley 5.6×
271 Halton 5.6×
272 Wrexham 5.5×
273 Rotherham 5.5×
274 Bolsover 5.5×
275 Fylde 5.5×
276 Newcastle-under-Lyme 5.5×
277 Chesterfield 5.4×
278 Bradford 5.4×
279 Caerphilly 5.4×
280 Swansea 5.4×
281 Northumberland 5.4×
282 Lincoln 5.4×
283 Calderdale 5.3×
284 Wigan 5.3×
285 Rossendale 5.2×
286 Knowsley 5.2×
287 Preston 5.2×
288 Blackburn with Darwen 5.1×
289 Wyre 5.1×
290 North Lincolnshire 5.1×
291 Torfaen 5.1×
292 St Helens 5.1×
293 Carmarthenshire 5.1×
294 Doncaster 5.0×
295 Darlington 4.9×
296 Barnsley 4.9×
297 South Tyneside 4.9×
298 Hartlepool 4.9×
299 Liverpool 4.8×
300 Gateshead 4.8×
301 Stoke-on-Trent 4.7×
302 North East Lincolnshire 4.7×
303 Redcar and Cleveland 4.7×
304 Stockton-on-Tees 4.7×
305 Sunderland 4.6×
306 Pendle 4.6×
307 Rhondda Cynon Taf 4.6×
308 Neath Port Talbot 4.5×
309 City of Kingston upon Hull 4.5×
310 Middlesbrough 4.4×
311 County Durham 4.3×
312 Blackpool 4.3×
313 Cumberland 4.2×
314 Blaenau Gwent 4.0×
315 Merthyr Tydfil 4.0×
316 Burnley 3.9×
317 Hyndburn 3.9×