Our latest research has highlighted the most unaffordable areas of the United Kingdom where the average house price to wage ratio is concerned. The research found that the average UK house price is eight times the average wage.

We compiled data for all the London boroughs and each area across England, Scotland and Wales to calculate the most expensive versus the most economical areas for property when compared to the wage earned. The full data table can be found at the bottom of this page.

London

Not surprisingly, the majority of the least affordable areas are found in London where the average house price climbs to 14 times the average wage.

To see the full breakdown of the London data click here.

The borough of Kensington and Chelsea tops the list with the average property price at £1,212,375, despite suffering London’s biggest property value decrease in the past year at 6%. The price of property in the borough is now 46 times the average wage (£26,624) and the nation’s biggest gap in wage to property ratio by a long shot.

The City of Westminster is number two on the list for most expensive average property prices to wage, where the average property is valued at £1,028,617, up +11% annually. With the average wage just £33,020, house prices are therefore 31 times higher than the earnings on offer.

Staying within the capital, Richmond Upon Thames placed fourth in the list for most expensive average property price to wage in the United Kingdom. It cost 26 times the average wage (£25,636) to get on the ladder in the borough (£659,636), with the area jumping +9% in the past 12 months.

England

When looking just at England the average house price climbs to nine times the wage on offer.

See the full breakdown of England here.

The most unaffordable region outside of London and third place overall is St. Albans in Hertfordshire, where the average wage is £18,928, while the average property price is £522,716. The house price to wage ratio is 28 higher, meaning a lifetime of saving to afford a property in the area.

The second most expensive region outside the capital, and 6th overall, is South Bucks in Buckinghamshire, where the house price to wage ratio is 25 times higher. The area saw a +14% increase in property value since last year – the average house price now costs £587,645, while the average wage is just £23,192.

Chiltern closely follows behind South Bucks with a wage to house price ratio of 24. This area experienced a +9% jump in property since last year, lifting the average house price to £512,910.

Wales

In Wales the lower cost of property means that the gap is just six times the average wage on offer.

Read the full Welsh breakdown here.

Monmouthshire is home to the highest average property price to wage ratio in Wales, costing £221,345 but is only ranked 153rd overall in the United Kingdom, with the average house price 12 times the wage.

Scotland

With property prices also lower in Scotland the resulting gap across the country is just five times the wage.

See the full Scottish breakdown here.

The most expensive Scottish region is East Renfrewshire, despite placing 113th in the whole of the UK and the average wage must be multiplied 13 times, to be able to afford the average house price in the area.

The City of Edinburgh placed second in a three-way tie (behind East Dunbartonshire and East Lothian) for unaffordability in Scotland, but is still ranked just 210th throughout the entirety of the United Kingdom. It would take ten times the average wage to be able to afford a property in the Scottish capital.

Property values in England are significantly higher than the rest of the United Kingdom, which is reflected in the wages offered. However, the wages are not always consistent with property prices and have failed to increase at the same pace.

It highlights the unaffordability of the market in England when you consider the difference in Wales, where the highest annual average wage is under £21,000 in Cardiff yet the city’s property value is merely third in the country behind regions with lower averages in annual incomes. Additionally, the average wage in Kensington and Chelsea would take almost a lifetime working to be able to afford a home, which is unrealistic for most let alone the average buyer.

It is important to consider the wage you can earn when buying property to understand the longevity of the investment, as a lower property price doesn’t always mean a better quality of living as the wage will also reflect the local market and economy.

Russell Quirk

Founder & CEO, eMoov.co.uk

AreaCountry / RegionAverage House Price (Current)12 Month Change (%)Average Annual Wage House Price to Wage Ratio
Kensington And ChelseaLondon£1,212,375 -6%£26,624 46
City of WestminsterLondon£1,028,617 11%£33,020 31
St AlbansEngland£522,716 19%£18,928 28
Richmond upon ThamesLondon£659,636 9%£25,636 26
Hammersmith and FulhamLondon£746,570 -3%£29,120 26
South BucksEngland£587,645 14%£23,192 25
CamdenLondon£809,804 5%£32,084 25
ChilternEngland£512,910 9%£21,320 24
WandsworthLondon£606,891 9%£26,260 23
HarrowLondon£442,348 10%£19,292 23
ElmbridgeEngland£604,407 13%£26,416 23
Three RiversEngland£517,478 18%£23,088 22
HaringeyLondon£555,638 18%£24,908 22
WokingEngland£402,003 12%£18,200 22
MertonLondon£514,595 15%£23,296 22
BarnetLondon£524,735 11%£23,816 22
Kingston upon ThamesLondon£496,705 16%£22,932 22
TandridgeEngland£424,468 12%£20,072 21
Waltham ForestLondon£422,049 20%£20,072 21
WaverleyEngland£451,826 13%£21,580 21
Epping ForestEngland£434,252 17%£20,956 21
IslingtonLondon£657,755 1%£32,552 20
Epsom and EwellEngland£459,588 16%£22,776 20
BrentLondon£504,644 16%£25,064 20
EalingLondon£489,987 14%£24,908 20
HackneyLondon£517,715 0%£26,416 20
SevenoaksLondon£413,900 14%£21,216 20
ChichesterEngland£349,134 6%£17,992 19
WatfordEngland£346,441 16%£17,940 19
WealdenEngland£314,205 13%£16,692 19
HertsmereEngland£445,961 16%£23,920 19
City of LondonLondon£835,689 8%£45,240 18
Mole ValleyEngland£486,010 9%£26,676 18
CotswoldEngland£351,286 11%£19,396 18
Windsor and MaidenheadEngland£485,352 13%£26,936 18
LewesEngland£308,607 14%£17,160 18
BromleyLondon£430,937 13%£24,128 18
Castle PointEngland£263,980 10%£14,820 18
East HertfordshireEngland£373,056 15%£20,956 18
RedbridgeEngland£401,199 19%£22,568 18
MaldonEngland£282,670 4%£15,964 18
DacorumEngland£388,962 17%£21,996 18
East HampshireEngland£357,196 14%£20,436 17
UttlesfordEngland£379,120 13%£21,996 17
EnfieldLondon£386,182 18%£22,412 17
RotherEngland£262,463 13%£15,392 17
LambethLondon£514,820 10%£30,420 17
CambridgeEngland£438,561 9%£26,156 17
HorshamEngland£353,022 8%£21,060 17
South OxfordshireEngland£383,326 5%£22,932 17
LewishamLondon£408,027 17%£24,648 17
Mid SussexEngland£358,313 15%£21,736 16
Tunbridge WellsEngland£359,536 9%£21,944 16
BrentwoodEngland£397,086 16%£24,440 16
SuttonLondon£369,674 17%£22,880 16
Surrey HeathEngland£390,600 10%£24,180 16
Tonbridge and MallingEngland£335,952 14%£20,956 16
South HamsEngland£285,957 5%£17,940 16
ArunEngland£260,369 7%£16,432 16
Brighton and HoveEngland£342,959 11%£21,788 16
Bath and North East SomersetEngland£312,296 11%£19,864 16
AdurEngland£298,857 13%£19,032 16
HaveringLondon£340,162 20%£21,892 16
HartEngland£398,212 14%£25,636 16
WokinghamEngland£410,737 13%£26,468 16
WinchesterEngland£381,174 3%£24,596 16
SouthwarkLondon£517,234 11%£33,540 15
East DorsetEngland£318,584 8%£20,748 15
North HertfordshireEngland£326,734 17%£21,320 15
OxfordEngland£399,747 7%£26,104 15
West OxfordshireEngland£320,251 8%£21,060 15
PurbeckEngland£302,211 6%£19,864 15
CroydonLondon£360,845 20%£23,868 15
ChelmsfordEngland£309,203 14%£20,488 15
HarrogateEngland£274,916 9%£18,304 15
NewhamLondon£355,950 21%£23,712 15
ChristchurchEngland£305,596 4%£20,384 15
WycombeEngland£379,188 15%£25,324 15
GreenwichLondon£368,822 12%£24,648 15
BaberghEngland£258,638 10%£17,420 15
Welwyn HatfieldEngland£377,340 18%£25,428 15
GuildfordEngland£410,526 4%£27,664 15
New ForestEngland£313,738 11%£21,268 15
BexleyLondon£319,307 19%£21,684 15
Aylesbury ValeEngland£316,118 17%£21,476 15
Reigate and BansteadEngland£407,010 13%£27,768 15
BroxbourneEngland£332,916 19%£22,724 15
CanterburyEngland£264,197 8%£18,200 15
Weymouth and PortlandEngland£212,029 3%£14,872 14
HillingdonLondon£404,502 17%£28,392 14
South NorthamptonshireEngland£297,671 12%£21,008 14
TorridgeEngland£207,112 3%£14,976 14
Test ValleyEngland£300,219 10%£21,840 14
Stratford-on-AvonEngland£298,257 7%£21,788 14
Central BedfordshireEngland£280,737 18%£20,644 14
Malvern HillsEngland£251,950 12%£18,564 14
North NorfolkEngland£221,923 11%£16,432 14
West DevonEngland£227,553 3%£16,848 14
St EdmundsburyEngland£257,508 8%£19,084 13
Derbyshire DalesEngland£241,268 7%£17,940 13
Southend-on-SeaEngland£249,141 16%£18,616 13
GraveshamEngland£260,366 18%£19,552 13
BraintreeEngland£255,646 13%£19,344 13
BromsgroveEngland£248,434 8%£18,876 13
Vale of White HorseEngland£352,706 13%£26,936 13
North DevonEngland£215,846 0%£16,484 13
AshfordEngland£264,264 12%£20,384 13
PooleEngland£278,603 6%£21,528 13
HounslowLondon£389,973 12%£30,160 13
TeignbridgeEngland£225,502 6%£17,472 13
WorthingEngland£256,161 9%£19,864 13
East DevonEngland£253,639 3%£19,708 13
Mid SuffolkEngland£246,353 13%£19,188 13
East RenfrewshireScotland£204,925 7%£15,964 13
South CambridgeshireEngland£355,185 15%£27,716 13
MendipEngland£233,345 11%£18,304 13
Rutland England£257,076 7%£20,176 13
MaidstoneEngland£271,765 10%£21,424 13
SpelthorneEngland£361,174 15%£28,496 13
North DorsetEngland£244,098 10%£19,292 13
RunnymedeEngland£397,682 14%£31,460 13
BasildonEngland£281,747 17%£22,672 12
Forest of DeanEngland£203,457 10%£16,432 12
East CambridgeshireEngland£262,988 15%£21,268 12
WiltshireEngland£251,749 9%£20,463 12
ColchesterEngland£239,599 13%£19,448 12
TraffordEngland£250,554 12%£20,332 12
Bracknell ForestEngland£345,526 14%£28,080 12
West DorsetEngland£256,648 2%£20,904 12
WarwickEngland£289,855 11%£23,608 12
MeltonEngland£202,768 7%£16,536 12
ThanetEngland£203,038 16%£16,588 12
HambletonEngland£223,554 6%£18,304 12
Herefordshire England£218,653 7%£17,940 12
CheltenhamEngland£246,927 10%£20,280 12
DaventryEngland£244,333 6%£20,332 12
WychavonEngland£249,242 7%£20,748 12
BrecklandEngland£205,393 12%£17,160 12
CornwallEngland£206,323 0%£17,264 12
RushcliffeEngland£242,837 6%£20,384 12
HarboroughEngland£246,942 4%£20,800 12
RichmondshireEngland£202,725 6%£17,108 12
BedfordEngland£256,609 14%£21,684 12
South NorfolkEngland£236,029 13%£20,020 12
RyedaleEngland£205,227 2%£17,420 12
South LakelandEngland£211,217 -3%£17,940 12
FarehamEngland£274,500 13%£23,348 12
South GloucestershireEngland£250,057 11%£21,320 12
TendringEngland£191,187 13%£16,328 12
CherwellEngland£289,906 9%£24,752 12
West BerkshireEngland£333,790 11%£28,548 12
BournemouthEngland£232,965 9%£19,968 12
LichfieldEngland£224,317 2%£19,240 12
MonmouthshireWales£221,345 7%£18,980 12
North SomersetEngland£241,704 13%£20,748 12
BroadlandEngland£236,219 12%£20,384 12
Basingstoke and DeaneEngland£295,328 15%£25,584 12
EastbourneEngland£227,323 12%£19,708 12
Isle of WightEngland£199,555 7%£17,420 11
Tower HamletsLondon£457,392 6%£39,936 11
YorkEngland£231,001 6%£20,280 11
TorbayEngland£184,453 6%£16,224 11
ShepwayEngland£229,570 14%£20,280 11
ThurrockEngland£246,700 19%£21,788 11
StevenageEngland£269,357 20%£23,972 11
RushmoorEngland£285,169 17%£25,428 11
ReadingEngland£302,217 17%£26,988 11
Taunton DeaneEngland£212,326 4%£18,980 11
DartfordEngland£283,385 16%£25,324 11
EastleighEngland£257,403 9%£23,088 11
HavantEngland£243,980 14%£21,944 11
Suffolk CoastalEngland£253,937 4%£22,932 11
SwaleEngland£228,717 20%£20,696 11
Barking and DagenhamLondon£271,584 19%£24,596 11
HuntingdonshireEngland£235,498 15%£21,632 11
Vale of GlamorganWales£199,693 5%£18,356 11
SedgemoorEngland£199,104 8%£18,512 11
CravenEngland£200,133 4%£18,668 11
City of BristolEngland£252,107 15%£23,660 11
EdenEngland£190,820 6%£17,940 11
Mid DevonEngland£215,117 8%£20,228 11
SloughEngland£297,034 25%£28,132 11
King's Lynn and West NorfolkEngland£188,929 6%£17,888 11
Forest HeathEngland£196,655 10%£18,668 11
South StaffordshireEngland£210,095 7%£20,020 10
StroudEngland£250,601 9%£23,920 10
TewkesburyEngland£251,431 11%£24,024 10
Ribble ValleyEngland£219,540 12%£21,060 10
ShropshireEngland£193,446 4%£18,616 10
NorwichEngland£190,883 8%£18,460 10
StockportEngland£196,821 8%£19,032 10
Oadby and WigstonEngland£190,397 10%£18,460 10
East DunbartonshireScotland£191,450 7%£18,564 10
DoverEngland£218,391 10%£21,268 10
LutonEngland£221,605 22%£21,580 10
SolihullEngland£248,433 7%£24,232 10
South SomersetEngland£207,059 6%£20,228 10
South KestevenEngland£188,071 7%£18,408 10
Wyre ForestEngland£170,164 8%£16,692 10
Cheshire EastEngland£211,985 11%£20,904 10
High PeakEngland£174,811 5%£17,264 10
MedwayEngland£220,647 18%£21,944 10
ExeterEngland£228,901 5%£22,880 10
East LothianScotland£194,976 3%£19,500 10
WaveneyEngland£172,145 5%£17,316 10
Milton KeynesEngland£245,905 15%£24,752 10
HarlowEngland£249,357 16%£25,376 10
Cheshire West and ChesterEngland£191,939 8%£19,656 10
CrawleyEngland£269,241 13%£27,872 10
City of EdinburghScotland£240,978 12%£25,012 10
CharnwoodEngland£196,516 7%£20,592 10
HastingsEngland£178,666 11%£18,772 10
East NorthamptonshireEngland£204,651 13%£21,528 10
RedditchEngland£183,170 7%£19,396 9
Newark and SherwoodEngland£168,028 11%£17,888 9
North KestevenEngland£182,815 9%£19,552 9
GosportEngland£188,095 11%£20,332 9
North East DerbyshireEngland£165,779 6%£17,940 9
StaffordEngland£186,242 3%£20,332 9
NorthamptonEngland£186,083 10%£20,436 9
AberdeenshireScotland£190,964 -3%£20,956 9
GedlingEngland£163,209 9%£17,940 9
BostonEngland£142,700 5%£15,704 9
WellingboroughEngland£180,703 8%£19,916 9
CardiffWales£189,419 7%£20,956 9
BlabyEngland£195,511 6%£21,840 9
CeredigionWales£167,847 -2%£18,772 9
WorcesterEngland£186,850 4%£21,112 9
ChorleyEngland£162,749 4%£18,460 9
SouthamptonEngland£195,376 11%£22,152 9
West LancashireEngland£173,848 3%£19,708 9
PembrokeshireWales£150,351 -1%£17,056 9
SwindonEngland£202,738 15%£23,088 9
Staffordshire MoorlandsEngland£162,517 6%£18,720 9
PowysWales£166,751 5%£19,240 9
KetteringEngland£174,359 10%£20,124 9
ScarboroughEngland£146,683 -3%£17,056 9
IpswichEngland£173,811 10%£20,384 9
Hinckley and BosworthEngland£183,409 6%£21,580 9
North West LeicestershireEngland£179,928 5%£21,164 9
South DerbyshireEngland£177,342 7%£20,852 9
West LindseyEngland£156,399 9%£18,460 8
RugbyEngland£205,358 7%£24,232 8
East Riding of YorkshireEngland£161,907 6%£19,240 8
East Riding of YorkshireEngland£161,907 6%£19,240 8
WyreEngland£140,934 1%£16,848 8
South HollandEngland£168,702 8%£20,176 8
PortsmouthEngland£190,579 9%£22,828 8
Great YarmouthEngland£152,673 9%£18,356 8
ConwyWales£152,814 9%£18,408 8
North WarwickshireEngland£174,134 4%£21,008 8
Cannock ChaseEngland£153,652 7%£18,668 8
FenlandEngland£164,091 7%£19,968 8
TamworthEngland£163,134 12%£19,916 8
GloucesterEngland£181,625 12%£22,204 8
East StaffordshireEngland£166,121 4%£20,332 8
East LindseyEngland£153,286 5%£18,824 8
GwyneddWales£141,881 -2%£17,576 8
SelbyEngland£184,349 8%£22,932 8
Perth and KinrossScotland£172,121 1%£21,476 8
ChesterfieldEngland£143,316 6%£17,940 8
DudleyEngland£154,232 7%£19,292 8
AngusScotland£140,305 1%£17,576 8
South RibbleEngland£159,750 6%£20,176 8
Nuneaton and BedworthEngland£153,537 8%£19,500 8
SeftonEngland£148,908 6%£19,136 8
HighlandScotland£152,297 1%£19,760 8
KirkleesEngland£137,388 4%£17,836 8
WrexhamWales£147,344 5%£19,136 8
Newcastle-under-LymeEngland£136,616 0%£17,784 8
StirlingScotland£166,389 4%£21,788 8
WarringtonEngland£169,936 3%£22,308 8
BroxtoweEngland£164,356 8%£21,684 8
WirralEngland£147,258 5%£19,448 8
City of PeterboroughEngland£165,211 9%£21,944 8
MidlothianScotland£159,646 6%£21,268 8
Scottish BordersScotland£148,905 5%£19,864 8
WalsallEngland£146,132 9%£19,500 7
NewportWales£149,588 6%£20,020 7
BassetlawEngland£144,254 10%£19,344 7
MansfieldEngland£120,466 6%£16,224 7
City of PlymouthEngland£165,442 4%£22,308 7
Amber ValleyEngland£156,731 7%£21,164 7
ErewashEngland£146,075 6%£19,708 7
CoventryEngland£164,701 13%£22,308 7
CorbyEngland£153,546 14%£20,956 7
BuryEngland£152,842 8%£20,852 7
North TynesideEngland£151,537 3%£20,800 7
AllerdaleEngland£133,252 -2%£18,304 7
Shetland IslandsScotland£174,683 20%£24,076 7
Newcastle upon TyneEngland£154,477 2%£21,320 7
MorayScotland£138,494 1%£19,136 7
LancasterEngland£145,788 3%£20,176 7
LincolnEngland£135,480 2%£18,772 7
LeedsEngland£166,303 9%£23,192 7
CarlisleEngland£132,113 4%£18,668 7
LeicesterEngland£147,914 9%£20,956 7
Orkney IslandsScotland£122,563 -2%£17,368 7
DenbighshireWales£140,027 0%£19,916 7
SheffieldEngland£148,551 6%£21,216 7
Telford and WrekinEngland£148,710 3%£21,268 7
CarmarthenshireWales£131,905 5%£18,980 7
SwanseaWales£133,458 0%£19,240 7
RossendaleEngland£120,619 7%£17,472 7
BirminghamEngland£159,732 9%£23,244 7
City of AberdeenScotland£178,069 -7%£26,416 7
BridgendWales£133,600 5%£19,812 7
RochdaleEngland£123,225 5%£18,356 7
CalderdaleEngland£133,046 5%£19,916 7
Isle of AngleseyWales£156,392 2%£23,400 7
FlintshireWales£155,940 4%£23,452 7
OldhamEngland£119,441 8%£17,992 7
WolverhamptonEngland£130,544 5%£19,656 7
FyldeEngland£184,493 7%£27,872 7
TamesideEngland£127,627 9%£19,396 7
Dumfries and GallowayScotland£117,709 -2%£17,888 7
BradfordEngland£129,037 5%£19,968 6
South AyrshireScotland£129,624 0%£20,124 6
WakefieldEngland£134,170 3%£20,904 6
RotherhamEngland£123,395 1%£19,292 6
Stockton-on-TeesEngland£131,596 5%£20,800 6
SandwellEngland£126,436 7%£20,020 6
BolsoverEngland£114,408 10%£18,096 6
WiganEngland£120,998 4%£19,136 6
West LothianScotland£139,426 5%£22,100 6
BoltonEngland£122,902 6%£19,708 6
DoncasterEngland£117,122 1%£18,772 6
TorfaenWales£129,738 8%£20,852 6
St HelensEngland£118,563 5%£19,240 6
FifeScotland£122,932 3%£19,968 6
Redcar and ClevelandEngland£118,927 2%£19,448 6
North LincolnshireEngland£131,318 5%£21,528 6
ManchesterEngland£149,722 9%£24,752 6
South TynesideEngland£124,107 4%£20,592 6
SalfordEngland£138,357 12%£22,984 6
PrestonEngland£127,155 5%£21,164 6
AshfieldEngland£124,546 6%£20,800 6
GatesheadEngland£124,773 5%£20,852 6
BlackpoolEngland£100,884 3%£16,900 6
North East LincolnshireEngland£114,018 4%£19,136 6
Barrow-in-FurnessEngland£111,601 9%£18,824 6
City of NottinghamEngland£122,772 10%£20,800 6
DarlingtonEngland£132,036 9%£22,620 6
HaltonEngland£133,412 9%£22,932 6
Argyll and ButeScotland£141,259 10%£24,336 6
CaerphillyWales£121,061 7%£21,164 6
ClackmannanshireScotland£114,986 3%£20,488 6
BarnsleyEngland£111,228 6%£19,864 6
LiverpoolEngland£119,933 4%£21,528 6
KnowsleyEngland£114,338 4%£20,644 6
MiddlesbroughEngland£109,943 -2%£19,864 6
SunderlandEngland£113,557 4%£20,592 6
InverclydeScotland£103,423 3%£19,032 5
South LanarkshireScotland£114,289 5%£21,112 5
City of DundeeScotland£119,799 1%£22,256 5
City of DerbyEngland£144,543 4%£27,092 5
City of Kingston upon HullEngland£102,079 8%£19,240 5
RenfrewshireScotland£112,406 1%£21,684 5
West DunbartonshireScotland£99,686 7%£19,552 5
HartlepoolEngland£100,066 -3%£19,656 5
FalkirkScotland£111,274 3%£21,840 5
City of GlasgowScotland£117,795 6%£23,348 5
Rhondda Cynon TafWales£98,616 3%£19,656 5
Blackburn with DarwenEngland£100,696 1%£20,176 5
HyndburnEngland£92,446 2%£18,616 5
North AyrshireScotland£97,651 -2%£19,708 5
Stoke-on-TrentEngland£102,877 7%£21,008 5
Neath Port TalbotWales£102,046 2%£21,268 5
Merthyr TydfilWales£94,907 1%£19,968 5
PendleEngland£92,663 3%£19,708 5
County DurhamEngland£96,883 -3%£21,008 5
East AyrshireScotland£91,839 5%£19,916 5
North LanarkshireScotland£97,875 2%£21,684 5
BurnleyEngland£75,455 3%£18,824 4
Blaenau GwentWales£79,715 10%£19,968 4
CopelandEngland£114,011 3%£37,492 3