Housing affordability
England and Wales, 2025. This is the official house-price-to-earnings ratio. It shows how local prices compare with local earnings. It is not the multiple a mortgage lender would offer you.
England and Wales only. Scotland and Northern Ireland are not in this release. Checked 2026-10-02. Comparing areas stays on this page.
Residence-based median ratio, year ending September 2025 · provisional
6.53×
The median house price divided by median full-time earnings for people living in Birmingham. A lender assesses your own income separately. This ratio is not that decision.
| Area | Residence median | Lower quartile | Workplace median | UK HPI average |
|---|---|---|---|---|
| Birmingham | 6.53× (2025) | 6.64× (2025) | 6.10× (2025) | £234,257 |
Median house price in the affordability release: £235,000 for the year ending September 2025. Median residence-based earnings: £35,989.
Separately, the UK House Price Index average is £234,257. A 10% deposit on that average is £23,426 and the example repayment is £1,171.87 a month. That illustration is not the affordability ratio.
House prices · Rents · Mortgage affordability calculator · Speak to a mortgage broker
The ratio is median (or lower-quartile) house price divided by median (or lower-quartile) gross annual full-time earnings.
House prices are the year ending September. Earnings relate to the tax year ending 5 April in the same labelled year.
This is not a mortgage income multiple and is not a lender decision.
The latest year is provisional and is revised in the next annual release.
A cell marked [x] is omitted. It is not zero.
Source: Office for National Statistics housing affordability statistics, from House Price Statistics for Small Areas and the Annual Survey of Hours and Earnings.
Residence-based tables · Workplace-based tables · Download the current ratios (CSV)
Nomis was not used. The ONS release already contains the earnings figure that goes into the ratio. Scottish and Northern Irish earnings were not mixed with a different house-price average to invent a ratio.