Our latest research has highlighted that 46% of England will be unobtainable for those looking to get on the ladder with the Help to Buy ISA by Spring 2017.

We analysed the average house price across all 326 districts in England and identified where has exceeded the threshold of £250,000 outside of London and £450,000 within the capital, the maximum property values eligible for the Help to Buy ISA since it was introduced back in December 2015. We also highlighted where could exceed that threshold by March 2017.

We did analyse data for both Scotland and Wales but found that the average house prices across the entirety of both countries remains within the Help to Buy threshold of £250,000 and should continue to do so until at least March 2017.

When the ISA was introduced on the 1st December, there was already a huge 101 district areas in England that were Help to Buy no go zones due to the average house price exceeding the ISA threshold (17 London boroughs and 84 districts across the rest of England).

In the eight months from December to July the average house price in a further 28 areas has since exceeded the thresholds (26 outside of London and two London boroughs).

Two of these areas in particular have seen double digit growth since December of last year, with prices increasing by over £25,000 in just eight months. Stevenage has seen the largest jump up +12%, bringing the average house price from £243,988 to £272,777, with property values in St Edmundsbury increasing by +10%, bringing the average house price up to £270,364 from £245,167.

This would mean that the average house price in 150 district areas (46%) would price Help to Buy buyers out of the market by March 2017.

Over the same period, two London boroughs also became ineligible for the Help to Buy scheme, where the threshold peaks at £450,000. Tower Hamlets jumped +5% (£24,360) from December 2015 to July 2016, making the current average house price £468,484. Although Harrow enjoyed a smaller jump (+4%), it is also now ineligible with the average house price currently £451,643.

As well as highlighting the areas that have since exceeded the threshold, we took the percentage value increase for each area between December and July and applied it to the current average house price. Assuming a similar rate of price growth we highlighted a further 21 districts across England could break the Help to Buy thresholds, five of which are London boroughs, with each becoming beyond the grasp of the country’s struggling aspirational homeowners by Spring 2017 (March).

Historically Help to Buy has been of little help to the nation’s aspiring homeowners and it’s plain to see why when you look at the numbers.

Although you must at least appreciate the government’s attempt at introducing a leg up through the ISA, the current pace of price growth across the market in England means that it will soon become irrelevant to the average buyer across nearly half of the country.

The figures suggest that by March of next year, for those looking for government help to buy in London in particular, just nine of the capital’s 32 boroughs will be a viable option.

Across England there are still plenty of areas available below £250,000, however if you do need help to get on the ladder but would prefer to choose where you live rather than have it dictated by the government, the only option is to look further north or across borders to Wales and Scotland.

Russell Quirk

Founder & CEO, eMoov.co.uk

RegionName Dec-15 Jul-16 Help to Buy Change Help to Buy Change % Cost a year from now
Areas Where the Average House Price Exceeded the Help to Buy Thresholds When the ISA Was Introduced
West Dorset £265,000 £264,002 -£998 0% £263,008
East Devon £250,048 £262,378 £12,330 5% £275,315
Canterbury £254,302 £267,383 £13,081 5% £281,138
Rother £255,583 £269,147 £13,564 5% £283,430
Arun £251,685 £267,474 £15,789 6% £284,253
Stratford-on-Avon £292,556 £290,480 -£2,076 -1% £288,419
Harrogate £264,837 £276,751 £11,914 4% £289,201
Fareham £255,979 £275,413 £19,435 8% £296,323
Crawley £254,257 £274,985 £20,729 8% £297,404
Poole £273,232 £285,076 £11,844 4% £297,434
South Hams £287,813 £293,177 £5,364 2% £298,641
Maidstone £256,093 £277,692 £21,599 8% £301,112
Castle Point £258,944 £279,501 £20,557 8% £301,690
Rushmoor £262,916 £283,386 £20,470 8% £305,450
Purbeck £289,784 £297,286 £7,502 3% £304,981
Cherwell £277,881 £292,521 £14,640 5% £307,932
Warwick £276,574 £292,297 £15,723 6% £308,915
Maldon £273,454 £290,800 £17,346 6% £309,246
Central Bedfordshire £265,126 £289,475 £24,349 9% £316,060
Dartford £263,267 £289,103 £25,836 10% £317,475
Basildon £259,285 £288,535 £29,251 11% £321,086
Basingstoke and Deane £272,541 £295,532 £22,991 8% £320,462
Christchurch £301,509 £312,906 £11,397 4% £324,735
Test Valley £289,903 £307,191 £17,287 6% £325,509
Adur £274,772 £301,028 £26,256 10% £329,793
Cotswold £351,089 £339,270 -£11,819 -3% £327,849
New Forest £298,510 £313,779 £15,269 5% £329,829
Lewes £291,920 £310,662 £18,742 6% £330,608
Chelmsford £288,862 £310,243 £21,381 7% £333,206
East Dorset £316,267 £324,059 £7,792 2% £332,044
Reading £282,024 £307,718 £25,694 9% £335,753
Slough £270,132 £301,778 £31,647 12% £337,133
South Northamptonshire £282,637 £308,748 £26,111 9% £337,271
Wealden £299,257 £318,900 £19,643 7% £339,832
West Oxfordshire £306,807 £324,358 £17,551 6% £342,914
Rochford £290,531 £316,735 £26,205 9% £345,303
West Berkshire £325,369 £335,893 £10,525 3% £346,758
Aylesbury Vale £290,731 £323,048 £32,317 11% £358,957
North Hertfordshire £307,129 £332,989 £25,860 8% £361,027
Bath and North East Somerset £290,898 £325,200 £34,302 12% £363,548
Broxbourne £304,863 £332,727 £27,865 9% £363,139
Tonbridge and Malling £320,206 £345,894 £25,687 8% £373,641
Chichester £349,671 £361,999 £12,328 4% £374,762
Bracknell Forest £318,984 £348,304 £29,320 9% £380,319
Horsham £341,991 £360,619 £18,628 5% £380,262
Brighton and Hove £326,006 £355,688 £29,682 9% £388,073
South Cambridgeshire £341,170 £364,209 £23,038 7% £388,803
East Hampshire £332,586 £360,370 £27,785 8% £390,477
Spelthorne £340,607 £366,715 £26,108 8% £394,824
Vale of White Horse £327,531 £361,989 £34,458 11% £400,072
Mid Sussex £338,606 £367,793 £29,187 9% £399,496
Winchester £379,851 £388,943 £9,092 2% £398,253
Tunbridge Wells £341,162 £372,840 £31,678 9% £407,460
Watford £316,319 £361,477 £45,158 14% £413,082
Surrey Heath £373,564 £390,303 £16,740 4% £407,793
Woking £393,457 £401,014 £7,557 2% £408,716
Wycombe £351,829 £382,941 £31,112 9% £416,804
Runnymede £382,827 £400,131 £17,304 5% £418,218
East Hertfordshire £347,403 £383,023 £35,620 10% £422,295
Hart £384,009 £401,479 £17,470 5% £419,744
Uttlesford £359,280 £390,439 £31,159 9% £424,300
Dacorum £370,670 £398,049 £27,379 7% £427,451
Welwyn Hatfield £340,785 £386,568 £45,783 13% £438,501
Brentwood £377,732 £405,513 £27,781 7% £435,337
South Oxfordshire £367,657 £401,411 £33,755 9% £438,265
Oxford £387,778 £415,484 £27,706 7% £445,169
Guildford £416,735 £432,259 £15,524 4% £448,362
Wokingham £393,652 £421,143 £27,491 7% £450,554
Sevenoaks £383,376 £420,196 £36,820 10% £460,552
Cambridge £425,457 £442,518 £17,061 4% £460,263
Reigate and Banstead £380,503 £426,207 £45,704 12% £477,400
Epping Forest £408,309 £441,033 £32,724 8% £476,380
Tandridge £414,611 £445,231 £30,620 7% £478,112
Waverley £422,066 £455,113 £33,047 8% £490,747
Mole Valley £454,728 £473,592 £18,864 4% £493,239
Epsom and Ewell £436,860 £468,323 £31,462 7% £502,051
Windsor and Maidenhead £460,641 £489,207 £28,566 6% £519,544
Hertsmere £421,294 £469,939 £48,644 12% £524,199
Three Rivers £489,481 £518,342 £28,860 6% £548,903
Chiltern £501,949 £525,874 £23,925 5% £550,939
St Albans £467,606 £523,231 £55,625 12% £585,473
Elmbridge £574,727 £613,399 £38,672 7% £654,673
South Bucks £559,874 £636,215 £76,341 14% £722,965
Areas Where the Average House Price Has Exceeded the Help to Buy Thresholds Since the ISA Was Introduced
Solihull £244,187 £250,764 £6,577 3% £257,518
Harborough £249,418 £255,337 £5,919 2% £261,397
Daventry £236,411 £252,047 £15,635 7% £268,716
Trafford £234,787 £251,898 £17,111 7% £270,256
South Gloucestershire £235,692 £252,551 £16,858 7% £270,615
Bromsgrove £244,628 £257,217 £12,589 5% £270,453
East Cambridgeshire £246,216 £258,622 £12,406 5% £271,653
Suffolk Coastal £246,239 £259,157 £12,918 5% £272,753
Babergh £245,470 £259,055 £13,585 6% £273,392
Southend-on-Sea £232,103 £252,772 £20,668 9% £275,280
Harlow £235,364 £254,505 £19,141 8% £275,202
Tewkesbury £242,375 £258,144 £15,769 7% £274,938
Eastleigh £248,759 £261,426 £12,667 5% £274,737
Wychavon £236,138 £255,143 £19,005 8% £275,678
Milton Keynes £233,484 £254,008 £20,524 9% £276,337
Stroud £241,359 £258,515 £17,156 7% £276,890
Ashford £247,182 £265,402 £18,221 7% £284,966
Bedford £239,869 £261,991 £22,123 9% £286,155
Braintree £240,217 £262,511 £22,294 9% £286,874
Gravesham £244,692 £266,086 £21,393 9% £289,350
Worthing £247,495 £268,074 £20,578 8% £290,363
St Edmundsbury £245,167 £270,364 £25,197 10% £298,151
Stevenage £243,988 £272,777 £28,789 12% £304,962
City of Bristol £235,957 £255,168 £19,210 8% £275,942
Wiltshire £243,576 £258,114 £14,538 6% £273,520
Areas Where the Average House Price Could Exceed the Help to Buy Thresholds By March 2017
Mendip £220,231 £235,272 £15,041 7% £251,340
Derbyshire Dales £233,450 £242,057 £8,607 4% £250,982
Rushcliffe £242,065 £247,287 £5,221 2% £252,621
Shepway £212,396 £232,836 £20,440 10% £255,242
Colchester £225,965 £240,152 £14,188 6% £255,231
Mid Suffolk £234,484 £245,038 £10,554 5% £256,068
Swale £203,884 £230,664 £26,780 13% £260,961
Huntingdonshire £223,168 £240,677 £17,509 8% £259,559
North Dorset £236,944 £247,645 £10,701 5% £258,830
Broadland £226,988 £242,723 £15,735 7% £259,550
Cheltenham £233,007 £246,859 £13,852 6% £261,534
Malvern Hills £233,722 £247,796 £14,074 6% £262,717
South Norfolk £223,047 £243,558 £20,511 9% £265,955
North Somerset £227,326 £246,761 £19,435 9% £267,857
Havant £229,152 £248,381 £19,228 8% £269,223
Thurrock £229,484 £249,803 £20,319 9% £271,922
Areas Where the Average House Price Should RemainWithin the Help to Buy Thresholds By March 2017
Burnley £72,810 £75,029 £2,218 3% £77,315
Hyndburn £89,541 £90,305 £764 1% £91,076
Pendle £89,576 £95,263 £5,687 6% £101,311
City of Kingston upon Hull £97,009 £99,721 £2,713 3% £102,510
Blackburn with Darwen £101,542 £102,565 £1,023 1% £103,599
Blackpool £99,394 £101,690 £2,296 2% £104,039
Hartlepool £104,543 £104,546 £3 0% £104,549
Stoke-on-Trent £99,527 £102,125 £2,598 3% £104,791
Copeland £121,440 £114,608 -£6,831 -6% £108,161
Barnsley £108,843 £110,840 £1,997 2% £112,874
Middlesbrough £111,961 £112,677 £717 1% £113,398
Bolsover £112,891 £115,776 £2,885 3% £118,735
Sunderland £109,278 £114,387 £5,109 5% £119,734
North East Lincolnshire £108,505 £114,027 £5,522 5% £119,830
Barrow-in-Furness £108,030 £113,954 £5,925 5% £120,204
Knowsley £114,664 £118,036 £3,372 3% £121,507
Doncaster £116,876 £120,412 £3,535 3% £124,054
Redcar and Cleveland £115,862 £120,240 £4,378 4% £124,784
Preston £121,469 £123,355 £1,886 2% £125,270
Mansfield £116,571 £120,953 £4,383 4% £125,501
Liverpool £117,761 £121,630 £3,869 3% £125,627
Rossendale £118,217 £122,145 £3,928 3% £126,203
Oldham £114,890 £120,555 £5,665 5% £126,499
St Helens £112,024 £119,300 £7,277 6% £127,050
Wigan £118,118 £122,466 £4,347 4% £126,973
Rochdale £115,655 £122,008 £6,353 5% £128,710
City of Nottingham £119,188 £123,876 £4,688 4% £128,749
Bolton £117,878 £123,631 £5,753 5% £129,664
South Tyneside £121,657 £125,534 £3,876 3% £129,533
Tameside £123,019 £127,956 £4,937 4% £133,091
Stockton-on-Tees £130,104 £131,503 £1,399 1% £132,916
North Lincolnshire £129,574 £131,598 £2,024 2% £133,653
Ashfield £119,953 £126,909 £6,956 6% £134,268
Rotherham £123,979 £129,023 £5,044 4% £134,272
Sandwell £124,682 £129,626 £4,944 4% £134,766
Gateshead £122,506 £129,644 £7,138 6% £137,198
Calderdale £130,733 £134,055 £3,321 3% £137,460
Darlington £122,254 £130,735 £8,481 7% £139,805
Allerdale £137,339 £138,547 £1,208 1% £139,766
Halton £126,672 £133,368 £6,695 5% £140,417
Carlisle £131,420 £136,388 £4,968 4% £141,544
Bradford £126,299 £133,880 £7,581 6% £141,915
Wyre £142,976 £142,589 -£387 0% £142,202
Kirklees £136,845 £139,749 £2,903 2% £142,713
Wakefield £130,870 £136,917 £6,047 5% £143,244
Wolverhampton £125,741 £134,610 £8,869 7% £144,105
Boston £139,262 £142,252 £2,990 2% £145,306
Newcastle-under-Lyme £135,641 £140,699 £5,058 4% £145,946
Lancaster £146,012 £145,942 -£70 0% £145,872
Lincoln £136,078 £141,383 £5,306 4% £146,896
Bassetlaw £137,121 £142,112 £4,992 4% £147,286
East Lindsey £153,239 £151,873 -£1,366 -1% £150,519
Wirral £144,400 £147,724 £3,324 2% £151,124
Chesterfield £138,222 £145,005 £6,782 5% £152,120
Great Yarmouth £147,129 £149,616 £2,487 2% £152,144
City of Derby £141,553 £147,532 £5,978 4% £153,762
Salford £127,918 £140,904 £12,986 10% £155,208
Scarborough £147,696 £150,848 £3,152 2% £154,067
Sheffield £144,767 £150,595 £5,828 4% £156,657
Erewash £140,922 £148,681 £7,759 6% £156,868
Cannock Chase £142,685 £149,784 £7,100 5% £157,238
Sefton £147,298 £152,214 £4,916 3% £157,294
Bury £145,230 £151,716 £6,486 4% £158,491
Manchester £145,096 £151,944 £6,848 5% £159,116
Telford and Wrekin £147,145 £153,153 £6,009 4% £159,407
Walsall £137,914 £148,633 £10,719 8% £160,185
North Tyneside £150,609 £155,547 £4,938 3% £160,646
West Lindsey £149,452 £155,043 £5,591 4% £160,843
Nuneaton and Bedworth £144,605 £153,386 £8,780 6% £162,699
Leicester £140,363 £151,541 £11,178 8% £163,609
Amber Valley £152,018 £157,638 £5,620 4% £163,465
Dudley £148,239 £157,135 £8,897 6% £166,566
Gedling £158,141 £163,511 £5,370 3% £169,063
Newcastle upon Tyne £153,388 £161,157 £7,769 5% £169,319
Tamworth £157,575 £163,362 £5,787 4% £169,361
City of Plymouth £161,899 £166,118 £4,220 3% £170,448
Birmingham £153,448 £162,184 £8,737 6% £171,419
South Ribble £152,818 £162,058 £9,240 6% £171,857
East Staffordshire £159,087 £165,272 £6,185 4% £171,697
Corby £145,115 £158,560 £13,444 9% £173,250
Fenland £158,550 £165,367 £6,817 4% £172,478
Staffordshire Moorlands £155,913 £164,126 £8,213 5% £172,771
Newark and Sherwood £163,286 £168,856 £5,571 3% £174,617
Broxtowe £157,545 £166,578 £9,033 6% £176,130
Leeds £161,551 £168,614 £7,063 4% £175,985
Chorley £164,130 £170,202 £6,071 4% £176,498
Eden £192,050 £184,821 -£7,229 -4% £177,865
North East Derbyshire £162,855 £170,345 £7,490 5% £178,180
City of Peterborough £161,751 £170,682 £8,931 6% £180,106
Coventry £153,416 £166,710 £13,295 9% £181,157
South Holland £158,559 £169,457 £10,898 7% £181,105
Waveney £169,488 £176,214 £6,726 4% £183,207
Warrington £168,266 £176,202 £7,936 5% £184,513
West Lancashire £166,192 £175,525 £9,333 6% £185,382
High Peak £169,776 £177,984 £8,208 5% £186,588
North Warwickshire £173,238 £180,387 £7,149 4% £187,832
Selby £179,575 £184,289 £4,714 3% £189,127
Wyre Forest £158,586 £173,805 £15,219 10% £190,484
Kettering £166,789 £178,478 £11,689 7% £190,986
North West Leicestershire £176,914 £183,722 £6,808 4% £190,792
South Kesteven £188,981 £190,046 £1,065 1% £191,118
Ipswich £162,893 £177,998 £15,105 9% £194,504
Wellingborough £175,352 £184,400 £9,048 5% £193,915
Torbay £181,506 £187,955 £6,449 4% £194,633
Worcester £186,878 £190,642 £3,764 2% £194,482
Hinckley and Bosworth £181,830 £188,232 £6,402 4% £194,859
Fylde £177,722 £186,578 £8,855 5% £195,875
Redditch £174,552 £185,261 £10,710 6% £196,628
Hastings £171,009 £183,607 £12,598 7% £197,132
South Derbyshire £176,017 £187,105 £11,087 6% £198,891
West Somerset £212,075 £205,435 -£6,640 -3% £199,003
Cheshire West and Chester £184,384 £191,915 £7,531 4% £199,753
North Kesteven £174,853 £187,453 £12,599 7% £200,960
Stafford £184,115 £192,235 £8,121 4% £200,714
Norwich £177,726 £189,153 £11,427 6% £201,314
Gloucester £170,471 £185,988 £15,517 9% £202,917
Northampton £177,695 £189,730 £12,035 7% £202,579
King’s Lynn and West Norfolk £184,699 £193,604 £8,905 5% £202,938
Portsmouth £182,160 £192,403 £10,243 6% £203,223
Tendring £180,943 £191,851 £10,908 6% £203,417
Charnwood £193,023 £198,928 £5,905 3% £205,014
Gosport £176,613 £191,064 £14,452 8% £206,699
Ryedale £214,164 £210,573 -£3,591 -2% £207,042
Southampton £188,597 £198,642 £10,046 5% £209,223
Richmondshire £194,779 £202,017 £7,238 4% £209,524
Blaby £191,077 £200,548 £9,471 5% £210,489
Oadby and Wigston £178,897 £194,753 £15,856 9% £212,015
Stockport £187,354 £200,909 £13,555 7% £215,445
Dover £207,869 £211,173 £3,305 2% £214,531
Rugby £202,300 £209,285 £6,985 3% £216,511
Taunton Deane £205,846 £211,307 £5,461 3% £216,913
South Somerset £199,299 £208,105 £8,806 4% £217,301
Swindon £190,094 £203,511 £13,417 7% £217,875
South Staffordshire £202,203 £209,659 £7,456 4% £217,390
Forest of Dean £201,962 £210,764 £8,801 4% £219,948
Mid Devon £210,267 £214,933 £4,666 2% £219,702
Ribble Valley £203,588 £211,790 £8,202 4% £220,322
Weymouth and Portland £203,135 £212,167 £9,032 4% £221,600
Sedgemoor £190,036 £205,738 £15,702 8% £222,737
Thanet £187,924 £205,838 £17,914 10% £225,460
North Devon £218,443 £221,400 £2,957 1% £224,397
Breckland £193,674 £209,549 £15,875 8% £226,725
South Lakeland £211,036 £218,331 £7,295 3% £225,879
Melton £192,742 £209,361 £16,618 9% £227,412
Hambleton £224,952 £225,491 £539 0% £226,032
East Northamptonshire £191,701 £208,883 £17,182 9% £227,605
Forest Heath £187,754 £206,926 £19,172 10% £228,055
Teignbridge £220,802 £224,114 £3,312 1% £227,476
Torridge £208,605 £218,796 £10,190 5% £229,483
Craven £185,912 £207,938 £22,026 12% £232,574
Cheshire East £197,781 £216,027 £18,246 9% £235,956
Eastbourne £207,237 £223,382 £16,145 8% £240,785
Lichfield £217,916 £229,233 £11,316 5% £241,136
Luton £200,664 £221,389 £20,725 10% £244,254
Exeter £229,377 £235,848 £6,471 3% £242,501
West Devon £229,985 £236,643 £6,658 3% £243,494
York £224,574 £234,311 £9,737 4% £244,470
Bournemouth £219,350 £231,796 £12,446 6% £244,948
North Norfolk £216,631 £231,159 £14,527 7% £246,660
Medway £202,949 £225,087 £22,138 11% £249,640
Cornwall £212,950 £210,914 -£2,036 -1% £208,898