To buy a typical 3-bedroom house with a 10% deposit, a household borrowing 4.5 times its income needs £29,000 a year in Hartlepool and £169,000 in London. In the typical town it is £57,000.
The salary you need. From £29,000 in Hartlepool to £169,000 in London.
Lowest, Hartlepool£29kfor a £145k house
Typical town£57khousehold income a year
Highest, London£169kfor a £846k house
Every town, lowest first
| Town | Region | Typical 3-bed house | Income needed | |
|---|---|---|---|---|
| Hartlepool | North East | £145,000 | £29,000 | What it buys › |
| Blackpool | North West | £150,000 | £30,000 | What it buys › |
| Grimsby | Yorkshire and the Humber | £151,000 | £30,000 | What it buys › |
| Middlesbrough | North East | £157,000 | £31,000 | What it buys › |
| Blackburn | North West | £158,000 | £32,000 | What it buys › |
| Burnley | North West | £158,000 | £32,000 | What it buys › |
| Scunthorpe | Yorkshire and the Humber | £163,000 | £33,000 | What it buys › |
| Durham | North East | £169,000 | £34,000 | What it buys › |
| Stockton-On-Tees | North East | £171,000 | £34,000 | What it buys › |
| Hull | Yorkshire and the Humber | £172,000 | £34,000 | What it buys › |
| Sunderland | North East | £176,000 | £35,000 | What it buys › |
| Darlington | North East | £178,000 | £36,000 | What it buys › |
| Barnsley | Yorkshire and the Humber | £178,000 | £36,000 | What it buys › |
| Rotherham | Yorkshire and the Humber | £178,000 | £36,000 | What it buys › |
| Doncaster | Yorkshire and the Humber | £179,000 | £36,000 | What it buys › |
| Bradford | Yorkshire and the Humber | £183,000 | £37,000 | What it buys › |
| Pontefract | Yorkshire and the Humber | £184,000 | £37,000 | What it buys › |
| Mansfield | East Midlands | £183,000 | £37,000 | What it buys › |
| Gateshead | North East | £189,000 | £38,000 | What it buys › |
| Carlisle | North West | £189,000 | £38,000 | What it buys › |
| St. Helens | North West | £196,000 | £39,000 | What it buys › |
| Wigan | North West | £197,000 | £39,000 | What it buys › |
| Stoke-On-Trent | West Midlands | £197,000 | £39,000 | What it buys › |
| Boston | East Midlands | £200,000 | £40,000 | What it buys › |
| Scarborough | Yorkshire and the Humber | £204,000 | £41,000 | What it buys › |
| Telford | West Midlands | £204,000 | £41,000 | What it buys › |
| Preston | North West | £212,000 | £42,000 | What it buys › |
| Keighley | Yorkshire and the Humber | £209,000 | £42,000 | What it buys › |
| Chesterfield | East Midlands | £212,000 | £42,000 | What it buys › |
| Bridgend | Wales | £211,000 | £42,000 | What it buys › |
| Wrexham | Wales | £208,000 | £42,000 | What it buys › |
| Rochdale | North West | £213,000 | £43,000 | What it buys › |
| Halifax | Yorkshire and the Humber | £216,000 | £43,000 | What it buys › |
| Newport | Wales | £213,000 | £43,000 | What it buys › |
| Swansea | Wales | £216,000 | £43,000 | What it buys › |
| Newark | East Midlands | £220,000 | £44,000 | What it buys › |
| Great Yarmouth | East of England | £222,000 | £44,000 | What it buys › |
| Carmarthen | Wales | £219,000 | £44,000 | What it buys › |
| Bolton | North West | £225,000 | £45,000 | What it buys › |
| Crewe | North West | £223,000 | £45,000 | What it buys › |
| Liverpool | North West | £225,000 | £45,000 | What it buys › |
| Ashton-Under-Lyne | North West | £227,000 | £45,000 | What it buys › |
| Huddersfield | Yorkshire and the Humber | £226,000 | £45,000 | What it buys › |
| Lincoln | East Midlands | £227,000 | £45,000 | What it buys › |
| Grantham | East Midlands | £227,000 | £45,000 | What it buys › |
| Burton-On-Trent | West Midlands | £227,000 | £45,000 | What it buys › |
| Wakefield | Yorkshire and the Humber | £230,000 | £46,000 | What it buys › |
| Newcastle Upon Tyne | North East | £235,000 | £47,000 | What it buys › |
| Oldham | North West | £242,000 | £48,000 | What it buys › |
| Sheffield | Yorkshire and the Humber | £242,000 | £48,000 | What it buys › |
| Nuneaton | West Midlands | £242,000 | £48,000 | What it buys › |
| Dudley | West Midlands | £238,000 | £48,000 | What it buys › |
| Derby | East Midlands | £246,000 | £49,000 | What it buys › |
| Kidderminster | West Midlands | £247,000 | £49,000 | What it buys › |
| Walsall | West Midlands | £247,000 | £49,000 | What it buys › |
| Thetford | East of England | £245,000 | £49,000 | What it buys › |
| Nottingham | East Midlands | £249,000 | £50,000 | What it buys › |
| Wellingborough | East Midlands | £251,000 | £50,000 | What it buys › |
| Peterborough | East of England | £251,000 | £50,000 | What it buys › |
| Bury | North West | £257,000 | £51,000 | What it buys › |
| Salford | North West | £257,000 | £51,000 | What it buys › |
| Kettering | East Midlands | £257,000 | £51,000 | What it buys › |
| Birmingham | West Midlands | £257,000 | £51,000 | What it buys › |
| Coventry | West Midlands | £255,000 | £51,000 | What it buys › |
| Redditch | West Midlands | £255,000 | £51,000 | What it buys › |
| Tamworth | West Midlands | £259,000 | £52,000 | What it buys › |
| Wolverhampton | West Midlands | £258,000 | £52,000 | What it buys › |
| Stafford | West Midlands | £261,000 | £52,000 | What it buys › |
| Yeovil | South West | £262,000 | £52,000 | What it buys › |
| King's Lynn | East of England | £264,000 | £53,000 | What it buys › |
| Plymouth | South West | £264,000 | £53,000 | What it buys › |
| Bridgwater | South West | £263,000 | £53,000 | What it buys › |
| Warrington | North West | £269,000 | £54,000 | What it buys › |
| Wirral | North West | £275,000 | £55,000 | What it buys › |
| Leeds | Yorkshire and the Humber | £275,000 | £55,000 | What it buys › |
| Leicester | East Midlands | £275,000 | £55,000 | What it buys › |
| Dover | South East | £275,000 | £55,000 | What it buys › |
| Hexham | North East | £278,000 | £56,000 | What it buys › |
| Manchester | North West | £280,000 | £56,000 | What it buys › |
| Rugby | West Midlands | £279,000 | £56,000 | What it buys › |
| Shrewsbury | West Midlands | £278,000 | £56,000 | What it buys › |
| Northampton | East Midlands | £286,000 | £57,000 | What it buys › |
| Hereford | West Midlands | £283,000 | £57,000 | What it buys › |
| Ipswich | East of England | £284,000 | £57,000 | What it buys › |
| Portsmouth | South East | £284,000 | £57,000 | What it buys › |
| Taunton | South West | £292,000 | £58,000 | What it buys › |
| Chester | North West | £296,000 | £59,000 | What it buys › |
| Norwich | East of England | £297,000 | £59,000 | What it buys › |
| Gloucester | South West | £293,000 | £59,000 | What it buys › |
| Weston-Super-Mare | South West | £296,000 | £59,000 | What it buys › |
| Stourbridge | West Midlands | £302,000 | £60,000 | What it buys › |
| Worcester | West Midlands | £299,000 | £60,000 | What it buys › |
| Swindon | South West | £300,000 | £60,000 | What it buys › |
| Huntingdon | East of England | £307,000 | £61,000 | What it buys › |
| Cardiff | Wales | £303,000 | £61,000 | What it buys › |
| Bury St. Edmunds | East of England | £315,000 | £63,000 | What it buys › |
| Folkestone | South East | £317,000 | £63,000 | What it buys › |
| Penzance | South West | £318,000 | £64,000 | What it buys › |
| York | Yorkshire and the Humber | £330,000 | £66,000 | What it buys › |
| Southampton | South East | £333,000 | £67,000 | What it buys › |
| Harrogate | Yorkshire and the Humber | £336,000 | £67,000 | What it buys › |
| Truro | South West | £338,000 | £68,000 | What it buys › |
| Exeter | South West | £338,000 | £68,000 | What it buys › |
| Stockport | North West | £343,000 | £69,000 | What it buys › |
| Colchester | East of England | £346,000 | £69,000 | What it buys › |
| Canterbury | South East | £343,000 | £69,000 | What it buys › |
| Eastbourne | South East | £345,000 | £69,000 | What it buys › |
| Banbury | South East | £348,000 | £70,000 | What it buys › |
| Luton | East of England | £348,000 | £70,000 | What it buys › |
| Ashford | South East | £348,000 | £70,000 | What it buys › |
| Rochester | South East | £348,000 | £70,000 | What it buys › |
| Basildon | East of England | £356,000 | £71,000 | What it buys › |
| Milton Keynes | South East | £361,000 | £72,000 | What it buys › |
| Fareham | South East | £358,000 | £72,000 | What it buys › |
| Bedford | East of England | £363,000 | £73,000 | What it buys › |
| Salisbury | South West | £365,000 | £73,000 | What it buys › |
| Harlow | East of England | £379,000 | £76,000 | What it buys › |
| Basingstoke | South East | £378,000 | £76,000 | What it buys › |
| Maidstone | South East | £380,000 | £76,000 | What it buys › |
| Sutton Coldfield | West Midlands | £384,000 | £77,000 | What it buys › |
| Solihull | West Midlands | £383,000 | £77,000 | What it buys › |
| Leamington Spa | West Midlands | £387,000 | £77,000 | What it buys › |
| Gravesend | South East | £384,000 | £77,000 | What it buys › |
| Bristol | South West | £385,000 | £77,000 | What it buys › |
| Cheltenham | South West | £386,000 | £77,000 | What it buys › |
| Southend-On-Sea | East of England | £390,000 | £78,000 | What it buys › |
| Bicester | South East | £389,000 | £78,000 | What it buys › |
| Poole | South West | £391,000 | £78,000 | What it buys › |
| Bournemouth | South West | £396,000 | £79,000 | What it buys › |
| Grays | East of England | £399,000 | £80,000 | What it buys › |
| Aylesbury | South East | £408,000 | £82,000 | What it buys › |
| Chichester | South East | £411,000 | £82,000 | What it buys › |
| Dartford | South East | £424,000 | £85,000 | What it buys › |
| Chelmsford | East of England | £428,000 | £86,000 | What it buys › |
| Worthing | South East | £428,000 | £86,000 | What it buys › |
| Dagenham | London | £441,000 | £88,000 | What it buys › |
| Reading | South East | £448,000 | £90,000 | What it buys › |
| Hemel Hempstead | East of England | £456,000 | £91,000 | What it buys › |
| Camberley | South East | £457,000 | £91,000 | What it buys › |
| Tonbridge | South East | £454,000 | £91,000 | What it buys › |
| High Wycombe | South East | £465,000 | £93,000 | What it buys › |
| Cambridge | East of England | £470,000 | £94,000 | What it buys › |
| Romford | London | £489,000 | £98,000 | What it buys › |
| Slough | South East | £488,000 | £98,000 | What it buys › |
| Oxford | South East | £494,000 | £99,000 | What it buys › |
| Tunbridge Wells | South East | £501,000 | £100,000 | What it buys › |
| Brighton | South East | £508,000 | £102,000 | What it buys › |
| Woking | South East | £517,000 | £103,000 | What it buys › |
| Winchester | South East | £515,000 | £103,000 | What it buys › |
| Watford | East of England | £530,000 | £106,000 | What it buys › |
| Enfield | London | £544,000 | £109,000 | What it buys › |
| Ilford | London | £543,000 | £109,000 | What it buys › |
| Brentwood | East of England | £556,000 | £111,000 | What it buys › |
| Hounslow | London | £566,000 | £113,000 | What it buys › |
| Sevenoaks | South East | £563,000 | £113,000 | What it buys › |
| Guildford | South East | £572,000 | £114,000 | What it buys › |
| Uxbridge | London | £579,000 | £116,000 | What it buys › |
| Harrow | London | £599,000 | £120,000 | What it buys › |
| Sutton | London | £614,000 | £123,000 | What it buys › |
| Epsom | South East | £643,000 | £129,000 | What it buys › |
| Leatherhead | South East | £652,000 | £130,000 | What it buys › |
| St. Albans | East of England | £690,000 | £138,000 | What it buys › |
| London | London | £846,000 | £169,000 | What it buys › |
How we worked it out
Income needed is 90% of the typical 3-bedroom house price divided by 4.5, what most lenders lend against household income, rounded to the nearest £1,000. The typical price is the sales-weighted median of 3-bedroom houses across the town's postcode districts over the last five years, in today's prices (HM Land Registry, the EPC register and the UK House Price Index). Lenders decide on full circumstances; this is a guide.
Free to use with a link to this pagePlease credit HeyKettle. For figures on a particular town, email [email protected].
Download the table (CSV)Sources: HM Land Registry Price Paid Data; Energy Performance of Buildings register (MHCLG); UK House Price Index; ONS Price Index of Private Rents; Bank of England quoted household interest rates. Contains public sector information licensed under the Open Government Licence v3.0.