What house can I afford on my salary? Pick your income to see what you could borrow, what it costs and where it buys a home.
| Salary | You could borrow | Home price, 10% deposit | Monthly | 3-bed houses in reach |
|---|---|---|---|---|
| £20,000 | £90,000 | £100,000 | £504 | 0% of districts |
| £25,000 | £112,500 | £125,000 | £630 | 1% of districts |
| £30,000 | £135,000 | £150,000 | £756 | 4% of districts |
| £35,000 | £157,500 | £175,000 | £881 | 8% of districts |
| £40,000 | £180,000 | £200,000 | £1,007 | 15% of districts |
| £45,000 | £202,500 | £225,000 | £1,133 | 23% of districts |
| £50,000 | £225,000 | £250,000 | £1,259 | 32% of districts |
| £55,000 | £247,500 | £275,000 | £1,385 | 40% of districts |
| £60,000 | £270,000 | £300,000 | £1,511 | 48% of districts |
| £65,000 | £292,500 | £325,000 | £1,637 | 56% of districts |
| £70,000 | £315,000 | £350,000 | £1,763 | 62% of districts |
| £75,000 | £337,500 | £375,000 | £1,889 | 67% of districts |
| £80,000 | £360,000 | £400,000 | £2,015 | 71% of districts |
| £85,000 | £382,500 | £425,000 | £2,141 | 76% of districts |
| £90,000 | £405,000 | £450,000 | £2,267 | 79% of districts |
| £95,000 | £427,500 | £475,000 | £2,393 | 82% of districts |
| £100,000 | £450,000 | £500,000 | £2,518 | 84% of districts |
| £110,000 | £495,000 | £550,000 | £2,770 | 88% of districts |
| £120,000 | £540,000 | £600,000 | £3,022 | 91% of districts |
| £130,000 | £585,000 | £650,000 | £3,274 | 93% of districts |
| £140,000 | £630,000 | £700,000 | £3,526 | 94% of districts |
| £150,000 | £675,000 | £750,000 | £3,778 | 95% of districts |
| £160,000 | £720,000 | £800,000 | £4,030 | 96% of districts |
| £170,000 | £765,000 | £850,000 | £4,281 | 97% of districts |
| £180,000 | £810,000 | £900,000 | £4,533 | 97% of districts |
| £190,000 | £855,000 | £950,000 | £4,785 | 97% of districts |
| £200,000 | £900,000 | £1,000,000 | £5,037 | 98% of districts |
Borrowing at 4.5 times income; mortgage over 30 years at the Bank of England's average 2-year fixed rate at 90% loan-to-value (Sep 2026). "In reach" is the share of postcode districts in England and Wales where a typical 3-bedroom house sold for that price or less. A guide, not mortgage advice.
Buying with someone? Add your incomes together and pick the nearest row, or work out your own budget.