!
! !
2018%
!
Priced'Out:"
Home"ownership"and"public"service"workers"""
2
!"#$%&' ( #)% "!
Official!statistics
1
!show!that!average!ho use!prices!are!now !almost!eight!times!average !annual!earnings.!In!Apr il!th is!year,!t he!Office!for!National!Statistics!
(ONS)!rep o rted !that!av era ge!(m e dian )!house!prices!in!England!a n d!Wales!for!the!ye a r!to !S ep t ember!2017!rose !by!4.5 % !to!£2 25,0 00 ,!while!wages
2
!grew!at!
just!2.1% !to !£ 2 8,9 33.!The!figures!are!the!worst!since!1997.!
!
!
1
!https://www.ons.gov.uk/peoplepopulationandcommunity/housing/datasets/ratioofhousepricetoworkplacebasedearningslowerquartileandmedian!(table!1a) !
2
!Median!gross!annual!earnings!using!ONS!Annual!survey!of!hours!and!earnings!
https://www.ons.gov.uk/peoplepopulationandcommunity/housing/datasets/ratioofhousepricetoworkplacebasedearningslowerquartileandmedian!(table!1c)!
!
4
4.5
5
5.5
6
6.5
7
7.5
8
*%'+,-.$)(,-#%-,/$")"0+- $/#)%
1222-#%- 1234- 56"07/"&-/"&-8/7,+9
House!price!to!earnings!ratio
3
The!figures!are!hugely!depressing!for!public!sector!employers!and!employees!in!many!parts !o f!th e !c ou n tr y,!as!home!ownership!becomes!increasingly!
unaffordable,!and!a!distan t!d r ea m!for!many.!
:7,/;-%'#7%%;-
The!situation!looks!s et !to !worsen!according!to!UNISON’s!new!analysis!of!the!econ om ic!a nd !socia l!foreca st!repo rts!from!the!Office!for!Budget!Resp on sibility!
(OBR)!that!predict!future!house!prices!and!earnings!growth.!The!forecasts!indicate!that!the!gap!between!house!price!and!earnings!growth!started!to!widen!
in!2013!a n d !w ill!c on t inu e !to ! do!so,!at!le a st!until!2022.!
-
!
!
100.0
110.0
120.0
130.0
140.0
150.0
160.0
170.0
180.0
20092010201120122013201420152016201720182019202020212022
!"&,<-122=->-322
?,/$
@$/.A-+A%B)"0- )"&,<-%C-A%'+,-.$)(,+-/"&-)"&,<-%C-
/D,$/0,-,/$")"0+E-122=->-322
House!prices
Average!earnings
4
Note:!!
!!
!!
Outturn!
Outturn!
Outturn!
Outturn!
Outturn!
Outturn!
Outturn!
Forecast!
Forecast!
Forecast!
Forecast!
Forecast!
Forecast!
House!prices!
2009!
2010!
2011!
2012!
2013!
2014!
2015!
2016!
2017!
2018!
2019!
2020!
2021!
2022!
%!increase!
!!
7.2!
-1!
1.6!
3.5!
9.9!
6!
7!
4.8!
3.7!
2.7!
2.2!
2.4!
2.9!
Index!
100!
107.2!
106.1!
107.8!
111.6!
122.6!
130.0!
139.1!
145.8!
151.2!
155.3!
158.7!
162.5!
167.2!
!
!
!
!
!
!
!
!
!
!
!
!
!
!
!
!!
!!
Outturn!
Outturn!
Outturn!
Outturn!
Outturn!
Outturn!
Forecast!
Forecast!
Forecast!
Forecast!
Forecast!
Forecast!
Forecast!
Average!Earnings!
2009!
2010!
2011!
2012!
2013!
2014!
2015!
2016!
2017!
2018!
2019!
2020!
2021!
2022!
%!increase!
!!
2.4!
2.3!
2!
1.6!
1.4!
1.9!
2.7!
2.6!
2.7!
2.4!
2.5!
2.8!
3.0!
Index!
100!
102.4!
104.8!
106.9!
108.6!
110.1!
112.2!
115.2!
118.2!
121.4!
124.3!
127.4!
131.0!
134.9!
!"#$%&'()%"*"+,%(-*.(!"%,-/(0"$&%-121(3454(2"(3456(7899,%&(9"$(:#.;&2(<&1=" * 1,>,/,2?@(
High!house!prices!have!triggered!a!30-year!high!in!private!lets,!according!to!the!English!Housing!Survey.!The!lettings!a ge n t!Hamptons!International!predicts!
that!deman d !for!ren ted !hom e s!is!likely!to!reac h!six!m illion!by!2 025 .!
With!home!ownership!moving!further!and!further!out!of!reach,!the!on ly !c h o i ce !open!to!ma n y !p u b l ic !se c to r !workers!is!the !p riv a te !r e n te d!sector!where!
rocketing!rents!are!forcing!people!to!live!increasingly!further!away!fro m !their!pla ces!o f!wo rk.!A"2B,*;(C",*;("*(:#2(2B&(<&*2D!UNISON’s!report!published!
earlier!this!year,!found!wide!variations!in!what!people !sp end !on!rent!and!the!proportion!of!their!monthly!salary!that!goes!on!housing!costs.!A!PCSO!in!the!
North!East!can!expect!to!spend!26%,!compared!to!a!PCSO!in!the !Eas t!of!En glan d!w ho !pa ys!on !ave rage !41% !o f!their!salary .!An!NHS!porter!pays!on!average!
61%!of!their!salary!if!they!live!in!the!South!East,!and!a!stag g e ri n g!9 4 %!if!they!live!in !L o n d o n.!In!Yorkshire!a n d !th e !H u mber!and!th e!E a st !Midlands!a!tea ch in g !
assistant!might!spend!a!third!of!their!monthly!income!on!rent,!this!rises!to!51%!in!the!South!East!and!a!huge!78%!in!London.!
The!high!costs!of!home!ownership!and!renting!are!also!to!blame!for!NHS!trusts,!town!halls,!care!hom es,!schools!and !police!forces!struggling!to!recruit!new!
staff.!Recruitment!difficulties!make!it!harder!to!attract!the!right!staff!to!provide!quality!services!to!the!public.!!!!
Rising!p ro p e rty !p rice s !an d !d e p res s ed !w a g e s!a re !th e!m ain !reaso ns !wh y! millions!of!people!cannot!afford!to!buy!their!ow n !ho m es.!Local!Government!
Association!(LGA)!data!reveals!that!one!in!seven!tenants!renting!privately!from!a!landlord!pays!more!than!ha lf!th e ir!in co me!on!housin g.!Ju s t!g e ttin g !in to !a !
rental!property!can!be!a!challenge!when!landlords!demand!a!deposit!of!two!month’s!rent!as!well!as!the!first!mon th!in!ad van ce ,!often !on !top!o f!agen cy !fees.!
The!housing!crisis!is!now!so!acute!that!there!is!a!shortage!of!four!million!homes!in!England,!according!to!the!Na tional!Hou sing!Federation !and!the!charity!
Crisis.!They!warn!that!the!country!needs!to!build!340,000!homes!every!year!until!2031,!of!which!90,000!should!be!for!social!rent!(for!people!on!low!to!
middle!incomes).!
5
Not!having!enough!local!afforda b le! housing!for!public!service!workers!has!other!consequences!that!affect!the!quality!of!public!services.!It!leads!to!higher!
vacancy!rates!and!an!increased!use!of!(costly)!agency!staff.!It!can!raise!staff!turnover!and!disrupt!support!to!vulnerable!people.!It!places!extra!demands!on!
public!transport!systems!and!roads.!It!can!be!bad!for!the!environment,!adding!to!greenhouse!gas!emissions.!It!can!add!to!household!stress!and!may!have!
long!term!implications!for!the!health!and!wellbeing!of!employees.!!
F,#A%&-
UNISON!set! out!to!investigate!the!impact! of!risin g! house!prices!on! public!service!staff,!following!a!re p o rt ! on! the! cost!of!r e n ti n g ! that! UNISO N!pro d u c e d !
earlier!this!year.!
The!study!took!the!av erag e!price!of!a!home!for!a!first!time!buyer
3
!in!each!of!the!377!local!a ut h o rity !are a s !across!England,!Sco t la n d !a n d !Wales.!!
UNISON!has!assumed!th at,!for!anyone!keen!to!buy !their!o w n!p rop erty,!a!15%!deposit!will!have!to!be!paid!and!that!the!remaining!85%!will!be!the!mortgage!
required.!Lenders!will!expect!people!to!demonstrate!that!they!have!been!saving!and!the!bigger!the!deposit!that!can!be!put!down!the!lower!the!mortgage!
needed.!Banks!and!building!societies!will!typically!only!lend!people!mortgages!up!to!4.5!times!their!gross!salary.!
Next!a!range!of!public!sector!jobs!were!selected!and!the!annual!gross!pay!calculated!for!each!jo b .!
Gross!pay!and!85%!of!the!average!house!price!for!first!time!buyers!in!each !a rea !were!compared!to!work !out!the!multiples!of!salary!(sometimes!known!as!
the!house!price!to!earnings!ratio)!each!job!would!require!as!a!mortgage!in!each !lo c al!a u th o rity !area!of!the!three!nations.!The!ONS!data!does!not!include!
local!auth o rit ies !in !N o rth e rn !Ire la n d.! ! !
Using!the!latest!pay!rates,!the!five!jobs!chosen!as!examples!from!schools,!the!NH S ,!cou ncils!a nd !the !police ! are!as!follows:!
- NHS!cleaner!!
annual!salary!£17,460!(curren t!starting!rate!at!bottom!of!pay!band!2)!!
annual!salary!in!London!£21,786!
!
- Teaching!assistant!!
annual!salary!£19,446!(most!common!pay!rate)!
annual!salary!in!London!£20,303!
in!Scotlan d !t he !n e ar es t!jo b !is!c la ss ro o m !a s sis ta n t!w it h !an !a n n u al!s ala ry !£ 16 ,9 00 !
!
- Librarian!
3
"Office"for"National"Statistics;"UK"House"Price"Index;"First"Time"Buyer"https://www.gov.uk/government/statistical-data-sets/uk-house-price-index -data-downloads-june-2018"
6
annual!salary!£23,866!(most!common!pay!ra te)!
annual!salary!in!London!£24,723!
annual!salary!in!Scotland!£25,488!
!
- Nurse!!
annual!salary!£23,023!!(current!starting!rate!at!bottom!of!pay!band!5)!
annual!salary!in!Scotland!£23,113!!
annual!salary!in!London!£27,349!
!
- Police!community!support!officer!(PCSO)!
annual!salary!£23,346!(typical!starting!rate !plu s!shift!allo w an ces ) !
annual!salary!in!London!£28,000!(typical!starting!rate!plus!shift!allowances)!
there!is!no!equiva lent!job !in!Sco tlan d!so !the!stu dy !uses !a!p olice!custody!and!security!officer!with!an!annua l!salary !of!£20 ,44 5! !
G)"&)"0+-
Nurses,!librarians,!teaching!assistants,!NHS!cleaners,!police!community!support!officers!and!many!other!public!sector!employees!are!finding!it!increasingly!
difficult!to!buy!their!own!home.!For!a!start!there!is!the!deposit.!The!15%!deposit!required!for!an!avera ge !prop erty !for! a!first!time!b uy er!in!th e!S ou th!Ea st!is!
almost!£39,000.!It!would!take!32!years!to!save!up!the!deposit!for!someone!saving!£100!per!month.!This!represents !betw e en !5% !and !7% !of!gro ss!p ay!fo r!the!
chosen!jobs.!So!someone!who!starts!saving!this!monthly!a m ou nt!aged!18!will!not!have!saved!the!necessary!deposit!until!the!time!they’re!50!years!old.!
In!Lond o n!a!15%!deposit!for!an!average!property!for!a!first!time!buyer!is!o ver!£6 3,00 0.!So m e on e! putting!by!£100!per!month,!and!who!started!saving!aged!
18,!would!need!to!continue!working!until!they!were!71!years!old!to!save!that!deposit.!Across!England,!Scotland!and!Wales!anyone!employed!in!any!of!the!
five!jobs!listed !would!take!more!than!10!years!saving!£100!per!month!to!get!a!15%!deposit!for!the!average!property!for!a!first!time!buyer.!The!only!areas!
where!it!would!take!less!time!are!East!Ayrshire!and!Burnley.!
Even!if!a!public!service!employee!managed!to!save!the!necessary!deposit,!in!many!areas!lenders!would!sim ply!turn!th em !d ow n ,!as!the!mortgage!to!earnings!
ratio!they!wou ld!req uire !is!ab o ve !th e !maximum!4.5 !tim es !re commended!by!the !Bank!of!England.!That’s!assuming,!of!course,!th at! house!prices!hadn’t!gone!
up!while!they!were!saving !up!a!deposit.!
! !
7
!
By!region!and!nation!!
Job!
NHS!
cleane r!
Teaching!
assistant!
Librarian!
Nurse!
PCSO!
Gross!pay!
£17,460!
£19,446!
£23,866!
£23,023!
£23,346!
-H,0)%"-
ID,$/0,-
C)$+#-#)J,-
K'L,$-
A%'+,-.$)(,-
5M,(,J K , $-
12349---------------------------
M,.%+)#-
",,&,&-
53NO9--------
P'JK,$-%C-
L,/$+-#%-
+/D,-
&,.%+)#-
5Q322-.,$ -
J%"#A9--
F%$#0/0,-
",,&,&-----------
P'JK,$-%C-
#)J,+-
+/7/$L-
$,R')$,&-
C%$-
J%$#0/0,-
P'JK,$-%C-
#)J,+-
+/7/$L-
$,R')$,&-
C%$-
J%$#0/0,-
P'JK,$-%C-
#)J,+-
+/7/$L-
$,R')$,&-
C%$-
J%$#0/0,-
P'JK,$-%C-
#)J,+-
+/7/$L-
$,R')$,&-
C%$-
J%$#0/0,-
P'JK,$-%C-
#)J,+-
+/7/$L-
$,R')$,&-
C%$-
J%$#0/0,-
London*!
£423,129!
£63,469!
53!
£359,660!
16.5!
17.7!
14.5!
13.2!
15.4!
South!East!
£258,791!
£38,819!
32!
£219,973!
12.6!
11.3!
9.2!
9.6!
9.4!
East!of!England!
£242,829!
£36,424!
30!
£206,405!
11.8!
10.6!
8.6!
9.0!
8.8!
South!West!
£209,570!
£31,436!
26!
£178,135!
10.2!
9.2!
7.5!
7.7!
7.6!
West!Midland s!!
£159,280!
£23,892!
20!
£135,388!
7.8!
7.0!
5.7!
5.9!
5.8!
East!Midland s!
£156,547!
£23,482!
20!
£133,065!
7.6!
6.8!
5.6!
5.8!
5.7!
Yorkshire!and!
Humberside!
£134,475!
£20,171!
17!
£114,304!
6.5!
5.9!
4.8!
5.0!
4.9!
Wales!
£133,522!
£20,028!
17!
£113,494!
6.5!
5.8!
4.8!
4.9!
4.9!
North!West!
£133,504!
£20,026!
17!
£113,478!
6.5!
5.8!
4.8!
4.9!
4.9!
Scotland**!
£116,862!
£17,529!
15!
£99,333!
5.7!
5.9!
3.9!
4.3!
4.9!
North!East!
£112,248!
£16,837!
14!
£95,411!
5.5!
4.9!
4.0!
4.1!
4.1!
!
*!! The!pay!rates!in!London!are!different!(see!‘method’!s e c tio n!above)!an d !th e !‘number!of!times!salary!required!for!mortgage’!uses!London!pay!figures!
**!! In!som e !ca se s !th e !jo b s!a n d !p a y !ra te s!in !S c o tla n d !a re !d iffe re n t!(see !‘method’!section!above)!and!the!‘number!of!times!salary!required!for!mortgage’!
uses!Scotland!jobs!and!pay!figures!
!!!!
8
Regionally!there!is!a!wide!variation!in!the!average!hous e!price !for!first!time !buy ers.!In!Ke nsin gton !an d!C helse a!in!Lo n d o n !it !is! over!£1!million,!in!Elmbridge!
(South!East)!and!St!Albans!(East!of!England)!it’s!around! £416,000,!and!in!Burn le y !(N o rth!West)!just!over!£70 ,0 00.!
Saving!£100!per!month,!the!time!it!takes!to!sa ve!a!deposit!for!the!average!first!time!buyer!property!in!each!region!(D e cember!2017!prices)!range s!from !ju st!
under!14!years!in!the!No rth !E a st !to!53!years!in!London.!This!makes!home!ownership!before!the!age!of!30!for!someone!doing!any!of!the!public!service!jobs!
listed!virtually!impossible.!Most!public!service!staff!would!have!to!wa it!until!they !were!40!to!60!years!old!before!they!could!buy!their!own!home.!!
Owning!a!property!is!beyond!the!reach!of!all!of!our!five!public!service!jobs!in!9!of!the!11!nations!or!regions.!Only!in!S co t lan d !a n d !th e!North!East!wo u ld !
librarians!a n d !n u rse s !be !o ffe re d !a !m o rt ga g e ,!as su ming,!of!course,!th e y’v e!b e e n !ab le !to !s av e !£1 0 0!a!month!for!15!or!14!years.!But!for!police!and!community!
support!officers!(police!custody!and!security!support!officers!in!Scotland)!teaching!assistants!(classroom!assistants!in!Sc o tla n d ),! an d!NHS!cleaners!they!are!
priced!out!everywhere.!Even!with!the!necessary!15%!deposit,!they’d!find!their!m ortgage!application!rejected.!!
S%"(7'+)%"-
The!report,!E$,%&.(8#2D(highligh ts!the!urgen t!nee d!fo r!government!action!to!tackle!housing!costs.!House!prices!are!simply!out!of!reach!for!many!public!
sector!workers,!either!because!it!will!take!decades!to!save!a!deposit!or!because!th eir!m o rtgag e!to!ea rnin gs!ratio!is!too !high !fo r!the m !to!e ver!b e!offe red !a!
mortgage.(
To!begin!to!tackle!the!UK’s!housing!crisis,!there!must!be:!
*!100,000!new!homes!a!year!built!by!councils!and!housing!associations!with!rents!(or!mortga ge !cos ts)!set!at!no!more!than!a!third!of!household!income!for!
people!on!low!to!middle!incomes!(i.e.!inco m e s !be lo w !t h e!median!gross!a n n u al!e a rn in gs !o f!£ 28 ,9 33 ) .!
*!A!£10bn!investment!fund
4
!set!up!by!ministers!for!new!housing!development.!These!homes!would!be !aim ed!at!people!on!low!to!middle!incomes.!The!
initial!inves tment!would!b e !re p aid !o v er!2 5 !to !5 0!y e ar s! from!rental!income!so!the!mo ney!c ould!be!re-investe d !in !n ew!housing!for!p eo ple !wh o se!n eed s!a re!
not!being!met!by!the!current!housing!market.!!
*!A!suspension!of!the!right!to!buy!policy,!which!gives!a!discount!to!people!who!want!to!bu y!their!ow n !co un cil!hom e s!an d!an!end!to!housing!associations!
letting!so me!of!their!prope rt ies !a t!h ig he r!re n ts ! when!they!become!vacant
5
.!This!would!prevent!the!existing!social!housing!stock!from!being!further!
depleted
6
.!!
4
In!October!20 1 7 !th e!g o ve rn ment!announced!that !it!w o u ld !in ve st !a!f ur th e r!£1 0 b n !in !th e! help!to!buy!equity!loan!scheme!
5
Government!guidance!since!2011!has!been!that!some!housing!association!homes!should!be!let!at!higher!rents!(up!to!80%!of!private!market!rents),!usually!with!a!fixe d-te rm !ten an cy!
agreement!
9
*!A!lifting!of!the!cap!on!borrowing!for!local!authorities,!enabling!them!to!build!more!ho m e s!and !be tter!m ee t!incr ea sin g !d e m a n d !for!low-rent!housing.!
Being!able!to!afford!a!roof!over!your!head!should!be!a!right,!not!a!privilege.!But!the!high!cost!of!mortgages!mean!that!increasing!numbers!of!people!are!
renting!–!and!ending!up!spending!more!than!they!can!afford.!With!rents!eating!up!so!much!of!their!salaries,!it’s!hard!if!not!impossible!for!them!to!save!up!a!
deposit!for!a!mortgage.!Even!if!they!did!save!the!money!for!a!deposit,!the!requ ired !mu ltiples!o f!salary!n eed ed !m ea ns!th ey’d !be!tu rned !do w n!fo r!eve ry!
mortgage!they!applied!for.!!
A!solution!needs!to!be!found!quickly.!Government!inaction!will!only!exacerbate!the!housing!problem.!Low-paid!staff!will!find!fewer!areas!in!which!they!can!
live,!and!w ill!h a ve !le ss !o f!th e ir!ta k e!h o me!pay!for!day - to -day!essentials.!Employers!will!struggle!to!find!the!local!staff!th at!the y!ne ed,!s e rv ic e s!will!
deteriorate,!and!communities!across!the!country!will!feel!the!impact.!
-
-
-
-
- -
6
The!Chartered!Institute!for!Housing!survey!in!January!2018!found!that!since!2012!over!150,000!social!rent!homes!had!been!lost,!mainly!because!they!have!been!converted!to!more!expensive!
‘affordable !re n t ’!p roperties!or!sold!off!u n d e r!R ig h t !t o !B u y .!If !th e !t re n d !c o ntinues,!it!said!a!tota l!of!230,000!social!ho mes!were!likely!to!be!lost!between!2012!and!2020!–!158,642!council!homes!
and!70,972!housing!association!properties!
10
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Public!sector!workers!find!it!virtually!impossible!to!buy!a!h ome!in!London.!Kensington!and!Chelsea!is!the!most!expensive!local!autho rity !in !th e!c a p ita l!w ith !
the!average!pro p erty!fo r!first!time!bu ye rs!costin g!ov er!£1 !million.!!
A!15%!deposit!for!a!first!time!buyer!in!Kensington!and!Chelsea!is!almost!£160,000.!It!would!take!over!132!years!to!get!together!the!deposit!for!someone!
saving!£100!per!month.!If!they!started!saving!on!their!18th!birthday!they!would!be!150!years!old!by!the!time!they!had!saved!the!amount!needed.!A!nurse!in!
the!royal!borou gh !wo u ld!ne ed!a !loan !base d!o n!33 !time s!the ir!salary,!w a y !b e y o n d !th e!4.5!to!1!maximum!recommended!by!the!Bank!of!England.!
Across!the!whole!of!Greater!London,!home!ownership!is!unattainable!for!all!five!selected!public!se cto r!job s.!!
The!situation!is!‘best’!in!Barking!and!Dagenham!where!the!average!property!for!a!first!time!buyer!costs!just!over!£280,000.!It!would!still!take!35!years!to!
save!the!15%!deposit!of!£42,000!–!so!someo ne!w ho!starts!saving !aged!21!w ould!hav e!the!depo sit!by!the!time!they!were!56.!The!mortgage!to!earnings!
multiple!for!a!nurse!in!Barking!and!Dagenham!is!8.8!to!1,!nearly!double!the!maximum!recommended!by!the!Bank!of!England.!
There!is!no!local!authority!in!London!where!it!would!tak e!less!th an !35!ye ars!to!sa ve!a!1 5% !de po sit!for!an !avera ge !first!time!bu ye r!pro perty .!!
London!
Job!
NHS!
Cleaner!
Teaching!
assistant!!
Librarian!
Nurse!
PCSO!
Gross!pay!
£21,786!
£20,303!
£24,723!
£27,349!
£28,000!
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Kensington!and!
Chelsea!
£1,058,756!
£158,813!
132!
£899,943!
41.3!
44.3!
36.4!
32.9!
32.1!
Westminster!
£924,944!
£138,742!
116!
£786,202!
36.1!
38.7!
31.8!
28.7!
28.1!
City!of!London!
£787,146!
£118,072!
98!
£669,074!
30.7!
33.0!
27.1!
24.5!
23.9!
Camden!
£716,006!
£107,401!
90!
£608,605!
27.9!
30.0!
24.6!
22.3!
21.7!
11
Hammersmith!and!
Fulham!
£678,154!
£101,723!
85!
£576,431!
26.5!
28.4!
23.3!
21.1!
20.6!
Islington !
£628,958!
£94,344!
79!
£534,615!
24.5!
26.3!
21.6!
19.5!
19.1!
Richmond!upon!
Thames!
£536,824!
£80,524!
67!
£456,301!
20.9!
22.5!
18.5!
16.7!
16.3!
Wandsworth!
£531,089!
£79,663!
66!
£451,425!
20.7!
22.2!
18.3!
16.5!
16.1!
Hackney!
£521,013!
£78,152!
65!
£442,861!
20.3!
21.8!
17.9!
16.2!
15.8!
Tower!Hamlets!
£489,116!
£73,367!
61!
£415,748!
19.1!
20.5!
16.8!
15.2!
14.8!
Haringey!
£478,624!
£71,794!
60!
£406,831!
18.7!
20.0!
16.5!
14.9!
14.5!
Merton!
£462,320!
£69,348!
58!
£392,972!
18.0!
19.4!
15.9!
14.4!
14.0!
Lambeth!
£460,480!
£69,072!
58!
£391,408!
18.0!
19.3!
15.8!
14.3!
14.0!
Barnet!
£459,453!
£68,918!
57!
£390,535!
17.9!
19.2!
15.8!
14.3!
13.9!
Southwark!
£435,361!
£65,304!
54!
£370,056!
17.0!
18.2!
15.0!
13.5!
13.2!
Ealing!
£430,282!
£64,542!
54!
£365,740!
16.8!
18.0!
14.8!
13.4!
13.1!
Waltham!Forest!
£421,520!
£63,228!
53!
£358,292!
16.4!
17.6!
14.5!
13.1!
12.8!
Brent!
£413,600!
£62,040!
52!
£351,560!
16.1!
17.3!
14.2!
12.9!
12.6!
Kingston!upon!
Thames!
£409,929!
£61,489!
51!
£348,439!
16.0!
17.2!
14.1!
12.7!
12.4!
Harrow!
£394,322!
£59,148!
49!
£335,174!
15.4!
16.5!
13.6!
12.3!
12.0!
Redbridge!
£366,945!
£55,042!
46!
£311,903!
14.3!
15.4!
12.6!
11.4!
11.1!
Lewisham!
£366,612!
£54,992!
46!
£311,620!
14.3!
15.3!
12.6!
11.4!
11.1!
Hounslow!
£363,379!
£54,507!
45!
£308,872!
14.2!
15.2!
12.5!
11.3!
11.0!
Bromley!
£362,399!
£54,360!
45!
£308,039!
14.1!
15.2!
12.5!
11.3!
11.0!
Greenwich!
£361,675!
£54,251!
45!
£307,423!
14.1!
15.1!
12.4!
11.2!
11.0!
Newham!
£357,704!
£53,656!
45!
£304,049!
14.0!
15.0!
12.3!
11.1!
10.9!
Enfield!
£347,536!
£52,130!
43!
£295,405!
13.6!
14.5!
11.9!
10.8!
10.6!
Hillingdon!
£346,577!
£51,987!
43!
£294,591!
13.5!
14.5!
11.9!
10.8!
10.5!
Sutton!
£326,216!
£48,932!
41!
£277,284!
12.7!
13.7!
11.2!
10.1!
9.9!
Croydon!
£313,334!
£47,000!
39!
£266,334!
12.2!
13.1!
10.8!
9.7!
9.5!
Havering!
£311,174!
£46,676!
39!
£264,498!
12.1!
13.0!
10.7!
9.7!
9.4!
12
Bexley!
£310,043!
£46,507!
39!
£263,537!
12.1!
13.0!
10.7!
9.6!
9.4!
Barking!and!
Dagenham!
£281,603!
£42,240!
35!
£239,363!
11.0!
11.8!
9.7!
8.8!
8.5!
!
-
- -
13
6/+#-%C-6"07/"&-
Many!public!sector!workers!will!find!it!difficult!to!buy!a!home!in!the!East!of!England.!St!Albans!is!the!most!expensive!local!authority!area,!with!av e ra g e !fir st !
time!buyer!pro pe rties!co sting!jus t!ove r!£416 ,000 .!-
A!15%!deposit!in!St!Albans!is!over!£62,000.!It!would!take!over!52!years!to!get!together!the!dep osit!for!so m eo ne !savin g!£10 0!p er!m on th.!S o m e o n e!w h o !
started!saving!on!their!18th!birthday!would!not!have!saved!the!deposit!until!they!were!70.!The!mortgage!to!earnings!m ultiple!for!a!nurse!in!the!city!is!15 .4 !
to!1,!more!than !three !time s!the !4.5!to!1 !ma xim um!recommende d!by !the!B an k!of!En glan d.!A!hospital!cleaner!would!require!a!loan!based!on!more!than!20!
times!their!salary!and !a!tea ch ing!ass istant!m o re!tha n!1 8!tim es.!
The!situation!is!‘best’!in!Great!Yarmouth,!where!an!average!first!time!buyer!property!costs!nearly!£138,000,!but!some one!would!still!need!to!save!nearly!
£21,000!for!a!15%!deposit.!It!would!take!someone!17!years!saving!£100!per!month.!So!if!they!started!saving!at!18!they!could!have!the!deposit!by!their!35th!
birthday.!!
Across!the!East!of!England,!for!all!five!job!categories!lenders!would!say!their!mortg age !to!ea rnin gs!ratio!is!too !high !an d!ab o ve!th e!4.5!to !1!m aximum!
recomm ended!by!the!Bank!of!England.!They!have!been!priced!out!of!the!market.!!
East!of!England!
Job!
NHS!
cleane r!
Teaching!
assistant!!
Librarian!
Nurse!
PCSO!
Gross!pay!
£17,460!
£19,446!
£23,866!
£23,023!
£23,346!
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St!Albans!
£416,337!
£62,451!
52!
£353,886!
20.3!
18.2!
14.8!
15.4!
15.2!
Three!Rivers!
£402,469!
£60,370!
50!
£342,099!
19.6!
17.6!
14.3!
14.9!
14.7!
Cambridge!
£398,048!
£59,707!
50!
£338,341!
19.4!
17.4!
14.2!
14.7!
14.5!
Hertsmere!
£390,501!
£58,575!
49!
£331,926!
19.0!
17.1!
13.9!
14.4!
14.2!
Epping!Forest!
£349,834!
£52,475!
44!
£297,359!
17.0!
15.3!
12.5!
12.9!
12.7!
Brentwood!
£347,165!
£52,075!
43!
£295,090!
16.9!
15.2!
12.4!
12.8!
12.6!
Dacorum!
£330,225!
£49,534!
41!
£280,691!
16.1!
14.4!
11.8!
12.2!
12.0!
14
Watford!
£323,989!
£48,598!
40!
£275,391!
15.8!
14.2!
11.5!
12.0!
11.8!
Welwyn!Hatfield!
£319,249!
£47,887!
40!
£271,362!
15.5!
14.0!
11.4!
11.8!
11.6!
South!
Cambridgeshire!
£317,001!
£47,550!
40!
£269,451!
15.4!
13.9!
11.3!
11.7!
11.5!
Uttlesford!
£309,885!
£46,483!
39!
£263,402!
15.1!
13.5!
11.0!
11.4!
11.3!
East!
Hertfordshire!
£303,508!
£45,526!
38!
£257,982!
14.8!
13.3!
10.8!
11.2!
11.1!
Broxbourne!
£295,765!
£44,365!
37!
£251,400!
14.4!
12.9!
10.5!
10.9!
10.8!
North!
Hertfordshire!
£284,781!
£42,717!
36!
£242,064!
13.9!
12.4!
10.1!
10.5!
10.4!
Chelmsford!
£274,657!
£41,199!
34!
£233,459!
13.4!
12.0!
9.8!
10.1!
10.0!
Rochford!
£274,388!
£41,158!
34!
£233,230!
13.4!
12.0!
9.8!
10.1!
10.0!
Basildon!
£264,128!
£39,619!
33!
£224,509!
12.9!
11.5!
9.4!
9.8!
9.6!
Maldon!
£257,684!
£38,653!
32!
£219,031!
12.5!
11.3!
9.2!
9.5!
9.4!
Central!
Bedfordshire!
£257,501!
£38,625!
32!
£218,875!
12.5!
11.3!
9.2!
9.5!
9.4!
Harlow!
£254,390!
£38,158!
32!
£216,231!
12.4!
11.1!
9.1!
9.4!
9.3!
Castle!Point!
£252,901!
£37,935!
32!
£214,966!
12.3!
11.1!
9.0!
9.3!
9.2!
Stevenage!
£243,925!
£36,589!
30!
£207,336!
11.9!
10.7!
8.7!
9.0!
8.9!
East!
Cambridgeshire!
£243,542!
£36,531!
30!
£207,011!
11.9!
10.6!
8.7!
9.0!
8.9!
Thurrock!
£243,020!
£36,453!
30!
£206,567!
11.8!
10.6!
8.7!
9.0!
8.8!
Bedford!
£242,101!
£36,315!
30!
£205,786!
11.8!
10.6!
8.6!
8.9!
8.8!
Braintree!
£236,344!
£35,452!
30!
£200,892!
11.5!
10.3!
8.4!
8.7!
8.6!
Southend-on-
Sea!
£228,033!
£34,205!
29!
£193,828!
11.1!
10.0!
8.1!
8.4!
8.3!
Colchester!
£224,037!
£33,606!
28!
£190,432!
10.9!
9.8!
8.0!
8.3!
8.2!
St!Edmundsbury!
£221,337!
£33,201!
28!
£188,136!
10.8!
9.7!
7.9!
8.2!
8.1!
Suffolk!Coastal!
£221,180!
£33,177!
28!
£188,003!
10.8!
9.7!
7.9!
8.2!
8.1!
Babergh!
£218,024!
£32,704!
27!
£185,321!
10.6!
9.5!
7.8!
8.0!
7.9!
15
Luton!
£212,708!
£31,906!
27!
£180,801!
10.4!
9.3!
7.6!
7.9!
7.7!
South!Norfolk!
£211,772!
£31,766!
26!
£180,006!
10.3!
9.3!
7.5!
7.8!
7.7!
Broadland!
£210,266!
£31,540!
26!
£178,726!
10.2!
9.2!
7.5!
7.8!
7.7!
North!Norfolk!
£208,144!
£31,222!
26!
£176,923!
10.1!
9.1!
7.4!
7.7!
7.6!
Huntingdonshire!
£206,571!
£30,986!
26!
£175,585!
10.1!
9.0!
7.4!
7.6!
7.5!
Mid!Suffolk!
£200,985!
£30,148!
25!
£170,837!
9.8!
8.8!
7.2!
7.4!
7.3!
Forest!Heath!
£190,302!
£28,545!
24!
£161,756!
9.3!
8.3!
6.8!
7.0!
6.9!
Breckland!
£186,526!
£27,979!
23!
£158,547!
9.1!
8.2!
6.6!
6.9!
6.8!
Tendring!
£183,781!
£27,567!
23!
£156,214!
8.9!
8.0!
6.5!
6.8!
6.7!
King's!Lynn!and!
West!Norfolk!!
£182,976!
£27,446!
23!
£155,530!
8.9!
8.0!
6.5!
6.8!
6.7!
Norwich!
£178,795!
£26,819!
22!
£151,976!
8.7!
7.8!
6.4!
6.6!
6.5!
Ipswich !
£175,224!
£26,284!
22!
£148,940!
8.5!
7.7!
6.2!
6.5!
6.4!
Peterborough!
£159,481!
£23,922!
20!
£135,559!
7.8!
7.0!
5.7!
5.9!
5.8!
Waveney!
£154,405!
£23,161!
19!
£131,244!
7.5!
6.7!
5.5!
5.7!
5.6!
Fenland!
£152,190!
£22,828!
19!
£129,361!
7.4!
6.7!
5.4!
5.6!
5.5!
Great!Yarmouth!
£137,675!
£20,651!
17!
£117,024!
6.7!
6.0!
4.9!
5.1!
5.0!
-
- -
16
V%'#A-8,+#--
Many!public!sector!workers!will!find!it!difficult!to!buy!a!home!in!the!South!West.!Cotswold!is!the!most!expensive!local!authority!area,!with!average!first!
time!buyer!pro pe rties!the re!costing!almost!£300,000.!!
A!15%!deposit!in!Cotswold!would!mean!saving!almost!£45,000.!That!would!take!over!37!years!savin g!£10 0!pe r!month.!Someone!who!started!saving!on!their!
18th!birthday!would!not!h ave!the!deposit!until!they!were!55.!The!mortgage!to!earnings!multiple!for!a!nurse!in!Cotswold !is !11 !to !1 ,!more!than!twic e!t h e!4 .5 !
to!1!maximu m !reco m m e nd ed !by!th e!Ba nk!o f!Eng land .!With!a!deposit!an!NHS!cleaner!would!need!a!loan!bas ed !on!n ea rly!15!tim e s!their!sala ry!an d!a!
teaching!assistan t!13!tim es.!
The!situation!is!‘best’!in!Plymouth!where!average!first!time!buyer!properties!are!just!over!£153,000!b ut!that!still!needs!a!deposit!of!nearly!£23,000.!It!will!
take!19!years!saving!£100!per!month,!so!if!someone!started!putting!money!away!at!18!they!could!have!the!deposit!by!their!37th!birthday.!!
Across!the!South!West,!for!all!five!job!categories!lenders!would!say!that!their!mortg age !to!ea rning s!ratio!is!too !high !and !ab ove !the!4 .5!to!1!m a xim um !
recomm ended!by!the!Bank!of!England.!!!
South!West!
Job!
NHS!cleaner!
Teaching!
assistant!!
Librarian!
Nurse!
PCSO!
Gross!pay!
£17,460!
£19,446!
£23,866!
£23,023!
£23,346!
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P'JK,$-%C-
L,/$+-#%-+/D,-
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.,$-J%"#A9--
F%$#0/0,-
",,&,&-----------
P'JK,$-%C-
#)J,+-+/7/$L-
$,R')$,&-C%$-
J%$#0/0,-
P'JK,$-%C-
#)J,+-+/7/$L-
$,R')$,&-C%$-
J%$#0/0,-
P'JK,$-%C-
#)J,+-+/7/$L-
$,R')$,&-C%$-
J%$#0/0,-
P'JK,$-%C-
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J%$#0/0,-
P'JK,$-%C-
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$,R')$,&-C%$-
J%$#0/0,-
Cotswold!
£299,091!
£44,864!
37!
£254,227!
14.6!
13.1!
10.7!
11.0!
10.9!
Bath!and!North!
East!Somerset!
£298,107!
£44,716!
37!
£253,391!
14.5!
13.0!
10.6!
11.0!
10.9!
Purbeck!
£267,051!
£40,058!
33!
£226,993!
13.0!
11.7!
9.5!
9.9!
9.7!
East!Dorset!
£266,679!
£40,002!
33!
£226,677!
13.0!
11.7!
9.5!
9.8!
9.7!
Christchurch!
£253,173!
£37,976!
32!
£215,197!
12.3!
11.1!
9.0!
9.3!
9.2!
City!of!Bristol!
£251,589!
£37,738!
31!
£213,851!
12.2!
11.0!
9.0!
9.3!
9.2!
South!Hams!
£250,482!
£37,572!
31!
£212,910!
12.2!
10.9!
8.9!
9.2!
9.1!
West!Dorset!
£243,807!
£36,571!
30!
£207,236!
11.9!
10.7!
8.7!
9.0!
8.9!
17
Poole!
£239,151!
£35,873!
30!
£203,278!
11.6!
10.5!
8.5!
8.8!
8.7!
South!
Gloucestershire!
£232,539!
£34,881!
29!
£197,658!
11.3!
10.2!
8.3!
8.6!
8.5!
Cheltenham!
£227,667!
£34,150!
28!
£193,517!
11.1!
10.0!
8.1!
8.4!
8.3!
Wiltshire!
£219,195!
£32,879!
27!
£186,316!
10.7!
9.6!
7.8!
8.1!
8.0!
East!Devon!
£218,879!
£32,832!
27!
£186,047!
10.7!
9.6!
7.8!
8.1!
8.0!
Stroud!
£215,730!
£32,359!
27!
£183,370!
10.5!
9.4!
7.7!
8.0!
7.9!
Exeter!
£214,967!
£32,245!
27!
£182,722!
10.5!
9.4!
7.7!
7.9!
7.8!
North!Somerset!
£214,852!
£32,228!
27!
£182,624!
10.5!
9.4!
7.7!
7.9!
7.8!
North!Dorset!
£214,453!
£32,168!
27!
£182,285!
10.4!
9.4!
7.6!
7.9!
7.8!
Tewkesbury!
£207,498!
£31,125!
26!
£176,373!
10.1!
9.1!
7.4!
7.7!
7.6!
Teignbridge!
£204,532!
£30,680!
26!
£173,852!
10.0!
8.9!
7.3!
7.6!
7.4!
Mendip!
£203,063!
£30,459!
25!
£172,604!
9.9!
8.9!
7.2!
7.5!
7.4!
Bournemouth!
£196,399!
£29,460!
25!
£166,939!
9.6!
8.6!
7.0!
7.3!
7.2!
Weymouth!and!
Portland!
£191,815!
£28,772!
24!
£163,043!
9.3!
8.4!
6.8!
7.1!
7.0!
West!Devon!
£191,159!
£28,674!
24!
£162,485!
9.3!
8.4!
6.8!
7.1!
7.0!
North!Devon!
£188,967!
£28,345!
24!
£160,622!
9.2!
8.3!
6.7!
7.0!
6.9!
Mid!Devon!
£188,220!
£28,233!
24!
£159,987!
9.2!
8.2!
6.7!
6.9!
6.9!
Swindon!
£187,536!
£28,130!
23!
£159,406!
9.1!
8.2!
6.7!
6.9!
6.8!
Cornwall!
£186,293!
£27,944!
23!
£158,349!
9.1!
8.1!
6.6!
6.9!
6.8!
Taunton!Deane!
£184,624!
£27,694!
23!
£156,931!
9.0!
8.1!
6.6!
6.8!
6.7!
Sedgemoor!
£184,246!
£27,637!
23!
£156,609!
9.0!
8.1!
6.6!
6.8!
6.7!
South!Somerset!
£183,470!
£27,520!
23!
£155,949!
8.9!
8.0!
6.5!
6.8!
6.7!
Torridge!
£180,023!
£27,003!
23!
£153,020!
8.8!
7.9!
6.4!
6.6!
6.6!
Torbay!
£176,542!
£26,481!
22!
£150,060!
8.6!
7.7!
6.3!
6.5!
6.4!
West!Somerset!
£174,099!
£26,115!
22!
£147,985!
8.5!
7.6!
6.2!
6.4!
6.3!
Forest!of!Dean!
£172,016!
£25,802!
22!
£146,213!
8.4!
7.5!
6.1!
6.4!
6.3!
Gloucester!
£168,923!
£25,338!
21!
£143,584!
8.2!
7.4!
6.0!
6.2!
6.2!
18
Plymouth!
£153,276!
£22,991!
19!
£130,285!
7.5!
6.7!
5.5!
5.7!
5.6!
-
-
- -
19
V%'#A-6/+#--
Many!public!sector!workers!will!find!it!tough!buyin g !a!hom e!in!the!South!East.!Elmbridge!is!the!mo st !ex p e ns ive !lo c al!a u th o rity !area,!with!average !fi rst !time!
buyer!properties!costing!just!over!£416,000.!-
A!15%!deposit!in!Elmb rid g e !is!o v er!£ 6 2 ,00 0!a n d !it!would!take!over!52!years!saving!£1 00 !per!month!to!save!that!amount.!Someo n e !w h o!s tar ted !putting!
money!away!on!their!18th!birthday!would!not!have!the!deposit!until!they!were!70.!The!mortgage!to!earnings!multiple!for!a!PCSO!in!Elmbrid g e !i s!15 .2!to!1,!
more!than!three!times!the!4.5!to!1!m a xim um !re commended.!
The!situation!is!‘best’!on!the!Isle!of!Wight!where!average!first!time!buyer!properties!are!just!over!£172,000,!but!that!still!requires!a!£26,000!deposit.!That’s!
22!years,!saving!£100!per!month,!and!someone!would!be!40,!assuming!they’d!started!saving!on!their!18
th
!birthday.!!
Across!the!South!East,!for!all!five!job!categories!lenders!would!say!that!their!mortg age !to!ea rning s!ratio!is!too !high ,!and!end!their!dream!of!owning!their!
own!home.!!!
South!East!
Job!
NHS!cleaner!
Teaching!
assistant!
Librarian!
Nurse!
PCSO!
Gross!pay!
£17,460!
£19,446!
£23,866!
£23,023!
£23,346!
--U%(/7-/'#A%$)#L-
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F%$#0/0,-
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$,R')$,&-C%$-
J%$#0/0,-
P'JK,$-%C-
#)J,+-+/7/$L-
$,R')$,&-C%$-
J%$#0/0,-
P'JK,$-%C-
#)J,+-+/7/$L-
$,R')$,&-C%$-
J%$#0/0,-
P'JK,$-%C-
#)J,+-+/7/$L-
$,R')$,&-C%$-
J%$#0/0,-
P'JK,$-%C-
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$,R')$,&-C%$-
J%$#0/0,-
Elmbridge!
£416,139!
£62,421!
52!
£353,718!
20.3!
18.2!
14.8!
15.4!
15.2!
Chiltern!
£412,086!
£61,813!
52!
£350,273!
20.1!
18.0!
14.7!
15.2!
15.0!
South!Bucks!
£407,491!
£61,124!
51!
£346,367!
19.8!
17.8!
14.5!
15.0!
14.8!
Windsor!and!
Maidenhead!
£396,041!
£59,406!
50!
£336,635!
19.3!
17.3!
14.1!
14.6!
14.4!
Oxford!
£366,379!
£54,957!
46!
£311,422!
17.8!
16.0!
13.0!
13.5!
13.3!
Epsom!and!Ewell!
£355,254!
£53,288!
44!
£301,966!
17.3!
15.5!
12.7!
13.1!
12.9!
Mole!Valley!
£348,872!
£52,331!
44!
£296,541!
17.0!
15.2!
12.4!
12.9!
12.7!
Sevenoaks!
£347,502!
£52,125!
43!
£295,376!
16.9!
15.2!
12.4!
12.8!
12.7!
20
Tandridge!
£345,553!
£51,833!
43!
£293,720!
16.8!
15.1!
12.3!
12.8!
12.6!
Waverley!
£335,886!
£50,383!
42!
£285,504!
16.4!
14.7!
12.0!
12.4!
12.2!
Runnymede!
£331,941!
£49,791!
41!
£282,150!
16.2!
14.5!
11.8!
12.3!
12.1!
Guildford!
£331,092!
£49,664!
41!
£281,429!
16.1!
14.5!
11.8!
12.2!
12.1!
Wokingham!
£328,890!
£49,334!
41!
£279,557!
16.0!
14.4!
11.7!
12.1!
12.0!
Reigate!and!
Banstead!
£328,592!
£49,289!
41!
£279,303!
16.0!
14.4!
11.7!
12.1!
12.0!
South!Oxfordshire!
£326,612!
£48,992!
41!
£277,620!
15.9!
14.3!
11.6!
12.1!
11.9!
Winchester!
£321,339!
£48,201!
40!
£273,138!
15.6!
14.0!
11.4!
11.9!
11.7!
Hart!
£320,954!
£48,143!
40!
£272,811!
15.6!
14.0!
11.4!
11.8!
11.7!
Brighton!and!H ove!
£320,789!
£48,118!
40!
£272,671!
15.6!
14.0!
11.4!
11.8!
11.7!
Tunbridge!Wells!
£318,239!
£47,736!
40!
£270,503!
15.5!
13.9!
11.3!
11.7!
11.6!
Spelthorne!
£318,087!
£47,713!
40!
£270,374!
15.5!
13.9!
11.3!
11.7!
11.6!
Woking!
£307,208!
£46,081!
38!
£261,127!
15.0!
13.4!
10.9!
11.3!
11.2!
Wycombe!
£306,615!
£45,992!
38!
£260,623!
14.9!
13.4!
10.9!
11.3!
11.2!
Chichester!
£297,994!
£44,699!
37!
£253,295!
14.5!
13.0!
10.6!
11.0!
10.8!
Tonbridge!and!
Malling!
£296,882!
£44,532!
37!
£252,349!
14.5!
13.0!
10.6!
11.0!
10.8!
Horsham!
£294,214!
£44,132!
37!
£250,082!
14.3!
12.9!
10.5!
10.9!
10.7!
Surrey!Heath!
£291,502!
£43,725!
36!
£247,777!
14.2!
12.7!
10.4!
10.8!
10.6!
West!Berkshire!
£289,867!
£43,480!
36!
£246,387!
14.1!
12.7!
10.3!
10.7!
10.6!
Bracknell!Forest!
£285,828!
£42,874!
36!
£242,954!
13.9!
12.5!
10.2!
10.6!
10.4!
Mid!Sussex!
£285,065!
£42,760!
36!
£242,306!
13.9!
12.5!
10.2!
10.5!
10.4!
Reading!
£281,327!
£42,199!
35!
£239,128!
13.7!
12.3!
10.0!
10.4!
10.2!
Dartford!
£276,425!
£41,464!
35!
£234,961!
13.5!
12.1!
9.8!
10.2!
10.1!
Slough!
£276,033!
£41,405!
35!
£234,628!
13.4!
12.1!
9.8!
10.2!
10.1!
Vale!of!W hite!Horse!
£274,368!
£41,155!
34!
£233,213!
13.4!
12.0!
9.8!
10.1!
10.0!
East!Hampshire!
£273,794!
£41,069!
34!
£232,725!
13.3!
12.0!
9.8!
10.1!
10.0!
West!Oxfordshire!
£270,743!
£40,612!
34!
£230,132!
13.2!
11.8!
9.6!
10.0!
9.9!
21
Wealden!
£269,407!
£40,411!
34!
£228,996!
13.1!
11.8!
9.6!
9.9!
9.8!
Aylesbury!Vale!
£268,952!
£40,343!
34!
£228,609!
13.1!
11.8!
9.6!
9.9!
9.8!
Crawley!
£261,788!
£39,268!
33!
£222,520!
12.7!
11.4!
9.3!
9.7!
9.5!
Test!Valley!
£260,926!
£39,139!
33!
£221,787!
12.7!
11.4!
9.3!
9.6!
9.5!
Adur!
£259,891!
£38,984!
32!
£220,907!
12.7!
11.4!
9.3!
9.6!
9.5!
New!Forest!
£259,430!
£38,915!
32!
£220,516!
12.6!
11.3!
9.2!
9.6!
9.4!
Lewes!
£255,635!
£38,345!
32!
£217,290!
12.4!
11.2!
9.1!
9.4!
9.3!
Rushmoor!
£254,446!
£38,167!
32!
£216,279!
12.4!
11.1!
9.1!
9.4!
9.3!
Gravesham!
£248,908!
£37,336!
31!
£211,572!
12.1!
10.9!
8.9!
9.2!
9.1!
Cherwell!
£248,372!
£37,256!
31!
£211,116!
12.1!
10.9!
8.8!
9.2!
9.0!
Ashford!
£242,762!
£36,414!
30!
£206,347!
11.8!
10.6!
8.6!
9.0!
8.8!
Basingstoke!and!
Deane!
£240,542!
£36,081!
30!
£204,460!
11.7!
10.5!
8.6!
8.9!
8.8!
Canterbury!
£237,207!
£35,581!
30!
£201,626!
11.5!
10.4!
8.4!
8.8!
8.6!
Maidstone!
£235,506!
£35,326!
29!
£200,180!
11.5!
10.3!
8.4!
8.7!
8.6!
Fareham!
£231,455!
£34,718!
29!
£196,737!
11.3!
10.1!
8.2!
8.5!
8.4!
Arun!
£229,791!
£34,469!
29!
£195,323!
11.2!
10.0!
8.2!
8.5!
8.4!
Rother!
£226,306!
£33,946!
28!
£192,360!
11.0!
9.9!
8.1!
8.4!
8.2!
Eastleigh!
£226,115!
£33,917!
28!
£192,198!
11.0!
9.9!
8.1!
8.3!
8.2!
Worthing!
£226,106!
£33,916!
28!
£192,190!
11.0!
9.9!
8.1!
8.3!
8.2!
Havant!
£220,246!
£33,037!
28!
£187,209!
10.7!
9.6!
7.8!
8.1!
8.0!
Medway!
£219,843!
£32,976!
27!
£186,867!
10.7!
9.6!
7.8!
8.1!
8.0!
Milton!Keynes!
£215,421!
£32,313!
27!
£183,108!
10.5!
9.4!
7.7!
8.0!
7.8!
Swale!
£211,597!
£31,740!
26!
£179,858!
10.3!
9.2!
7.5!
7.8!
7.7!
Eastbourne!
£207,985!
£31,198!
26!
£176,788!
10.1!
9.1!
7.4!
7.7!
7.6!
Dover!
£205,234!
£30,785!
26!
£174,449!
10.0!
9.0!
7.3!
7.6!
7.5!
Thanet!
£192,690!
£28,903!
24!
£163,786!
9.4!
8.4!
6.9!
7.1!
7.0!
Portsmouth!
£190,168!
£28,525!
24!
£161,643!
9.3!
8.3!
6.8!
7.0!
6.9!
Gosport!
£188,006!
£28,201!
24!
£159,805!
9.2!
8.2!
6.7!
6.9!
6.8!
22
Shepway!
£187,553!
£28,133!
23!
£159,420!
9.1!
8.2!
6.7!
6.9!
6.8!
Hastings!
£184,257!
£27,639!
23!
£156,618!
9.0!
8.1!
6.6!
6.8!
6.7!
Southampton!
£183,859!
£27,579!
23!
£156,280!
9.0!
8.0!
6.5!
6.8!
6.7!
Isle!of!W ig h t!
£172,023!
£25,803!
22!
£146,219!
8.4!
7.5!
6.1!
6.4!
6.3!
-
-
- -
23
8,+#-F)&7/"&+--
Many!public!sector!workers!will!find!it!difficult!to!buy!a!home!in!the!region.!Warwick!is!the!most!expensive!local!authority!area,!with!ave ra g e !fi rs t!time!
buyer!properties!costing!nearly!£255,000.!-
A!15%!deposit!would!be!over!£38,000!and!would!ta ke !ove r!32!yea rs!of!saving!£100!per!month.!Someone!who!started!saving!on!their!18th!birthday!would!
not!have!the!necessary!deposit!until!they!were!50.!The!mortgage!to!earnings!multiple!for!a!nurse!in !Warwick!is!9.4!t o!1 ,!more!than!twic e!t h e!4 .5 !to !1 !
maximum!recommended!by!the!Bank!of!England.!
The!situation!is!‘best’!in!Stoke!on!Trent!where!average!first!tim e!buyer!properties!are!nearly!£98,000!and!the!15%!de po sit!nee de d!is!£15,000.!It!w ould!ta ke!
someone!12!years!saving!£100!per!month!to!have!the!deposit.!They’d!get!there!when!they!were!30,!assuming!that!they!started!saving!aged!18.!!
But!NHS!cleaners!across!the!West!Midlands!would!still!find!lenders!telling!them!that!their!mortgage!to!earnings!ratio!is!too!high!and!above!the!4.5!to!1!
maximum!recommended!by!the!Bank!of!England.!!!
Nurses,!librarians!and!police!community!support!officers!could!get!a!mortgage,!but!only!in!Stoke!on !Tren t!an d!W o lverh am p ton ,!and !tha t!assu m es!h ou se!
prices!don’t!rise!in!the!13!years!they!are!saving!for!their!deposit.!
West!Midlands!
Job!
NHS!cleaner!
Teaching!
assistant!!
Librarian!
Nurse!
PCSO!
Gross!pay!
£17,460!
£19,446!
£23,866!
£23,023!
£23,346!
--
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P'JK,$-%C-
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J%$#0/0,-
P'JK,$-%C-
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$,R')$,&-C%$-
J%$#0/0,-
P'JK,$-%C-
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J%$#0/0,-
P'JK,$-%C-
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$,R')$,&-C%$-
J%$#0/0,-
Warwick!
£254,985!
£38,248!
32!
£216,737!
12.4!
11.1!
9.1!
9.4!
9.3!
Stratford-on-
Avon!
£253,572!
£38,036!
32!
£215,536!
12.3!
11.1!
9.0!
9.4!
9.2!
Solihull!
£220,968!
£33,145!
28!
£187,823!
10.8!
9.7!
7.9!
8.2!
8.0!
Bromsgrove!
£217,899!
£32,685!
27!
£185,214!
10.6!
9.5!
7.8!
8.0!
7.9!
Malvern!Hills!
£214,386!
£32,158!
27!
£182,228!
10.4!
9.4!
7.6!
7.9!
7.8!
Wychavon!
£208,731!
£31,310!
26!
£177,422!
10.2!
9.1!
7.4!
7.7!
7.6!
24
Lichfield!
£189,711!
£28,457!
24!
£161,255!
9.2!
8.3!
6.8!
7.0!
6.9!
Rugby!
£185,490!
£27,824!
23!
£157,667!
9.0!
8.1!
6.6!
6.8!
6.8!
South!
Staffordshire!
£185,374!
£27,806!
23!
£157,568!
9.0!
8.1!
6.6!
6.8!
6.7!
Worcester!
£178,250!
£26,737!
22!
£151,512!
8.7!
7.8!
6.3!
6.6!
6.5!
Herefordshire!
£177,614!
£26,642!
22!
£150,972!
8.6!
7.8!
6.3!
6.6!
6.5!
Shropshire!
£169,745!
£25,462!
21!
£144,283!
8.3!
7.4!
6.0!
6.3!
6.2!
Stafford!
£168,902!
£25,335!
21!
£143,566!
8.2!
7.4!
6.0!
6.2!
6.1!
Redditch!
£167,404!
£25,111!
21!
£142,293!
8.1!
7.3!
6.0!
6.2!
6.1!
North!
Warwickshire!
£164,519!
£24,678!
21!
£139,842!
8.0!
7.2!
5.9!
6.1!
6.0!
Coventry!
£158,208!
£23,731!
20!
£134,477!
7.7!
6.9!
5.6!
5.8!
5.8!
Wyre!Forest!
£157,076!
£23,561!
20!
£133,514!
7.6!
6.9!
5.6!
5.8!
5.7!
Birmingham!
£157,046!
£23,557!
20!
£133,490!
7.6!
6.9!
5.6!
5.8!
5.7!
Tamworth!
£153,848!
£23,077!
19!
£130,771!
7.5!
6.7!
5.5!
5.7!
5.6!
East!
Staffordshire!
£149,754!
£22,463!
19!
£127,291!
7.3!
6.5!
5.3!
5.5!
5.5!
Dudley!
£146,970!
£22,046!
18!
£124,925!
7.2!
6.4!
5.2!
5.4!
5.4!
Nuneaton!and!
Bedworth!
£146,790!
£22,018!
18!
£124,771!
7.1!
6.4!
5.2!
5.4!
5.3!
Staffordshire!
Moorlands!
£144,051!
£21,608!
18!
£122,443!
7.0!
6.3!
5.1!
5.3!
5.2!
Walsall!
£142,071!
£21,311!
18!
£120,760!
6.9!
6.2!
5.1!
5.2!
5.2!
Cannock!Chase!
£140,781!
£21,117!
18!
£119,664!
6.9!
6.2!
5.0!
5.2!
5.1!
Newcastle-
under-Lyme!
£135,020!
£20,253!
17!
£114,767!
6.6!
5.9!
4.8!
5.0!
4.9!
Telford!and!
Wrekin!
£133,571!
£20,036!
17!
£113,535!
6.5!
5.8!
4.8!
4.9!
4.9!
Sandwell!
£130,970!
£19,645!
16!
£111,324!
6.4!
5.7!
4.7!
4.8!
4.8!
Wolverhampton!
£124,567!
£18,685!
16!
£105,882!
6.1!
5.4!
4.4!
4.6!
4.5!
Stoke-on-Trent!
£97,957!
£14,693!
12!
£83,263!
4.8!
4.3!
3.5!
3.6!
3.6!
25
-
6/+#-F)&7/"&+--
Many!public!sector!workers!will!find!it!difficult!to!buy!a!home!in!the!East!Midlands.!South!Northamptonshire!is!the!most!expensive!local!authority!area,!with!
average!first!time!buyer!properties!costing!nearly!£260,000.!-
A!15%!deposit!there!of!nearly!£39,000!would!take!over!32!years!to!save,!saving!£100!per!month.!Someone!who!started!saving!on!their!18th!birthday!would!
not!have!the!deposit!until!they!w ere!50.!The!mortgage!to!earnings!multiple!for!a!nurse!in!South!No rt ha mptonshire!is!9 .5 !to !1 ,!m o re !th a n !tw ic e !th e !4.5 !to !1 !
maximum!recommended.!
The!situation!is!‘best’!in!Bolsover!where!average!first!time!buyer!p roperties!are!nearly!£108,000!and!£16,000!is !n e eded!as!a!15%!deposit.!It!would!take!
someone!13!years!saving!£100!per!month.!If!they!began!saving!at!18!they!could!have!the!depo sit!by!their!31st!birthday.!!
But!NHS!cleaners!and!teaching!assistants!across!the!East!Midlands!would!still!be!turned!down!by!mortgage!lenders.!Nurses,!librarians!and!police!community!
support!officers!could !get!a!mortgage!but!only!in !Ashfield,!Mansfield!and!Bolsover,!and !that!assum es!house !prices!don’t!rise!in !th e !13!yea rs!they’re!savin g!
for!a!deposit.!
East!Midlands!
Job!
NHS!cleaner!
Teaching!
assistant!!
Librarian!
Nurse!
PCSO!
Gross!pay!
£17,460!
£19,446!
£23,866!
£23,023!
£23,346!
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J%$#0/0,-
P'JK,$-%C-
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$,R')$,&-C%$-
J%$#0/0,-
P'JK,$-%C-
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$,R')$,&-C%$-
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P'JK,$-%C-
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$,R')$,&-C%$-
J%$#0/0,-
South!
Northamptonshire!
£258,112!
£38,717!
32!
£219,396!
12.6!
11.3!
9.2!
9.5!
9.4!
Rutland!
£234,004!
£35,101!
29!
£198,904!
11.4!
10.2!
8.3!
8.6!
8.5!
Harborough!
£224,962!
£33,744!
28!
£191,217!
11.0!
9.8!
8.0!
8.3!
8.2!
Daventry!
£222,326!
£33,349!
28!
£188,977!
10.8!
9.7!
7.9!
8.2!
8.1!
Derbyshire!Dales!
£213,932!
£32,090!
27!
£181,842!
10.4!
9.4!
7.6!
7.9!
7.8!
Rushcliffe!
£212,618!
£31,893!
27!
£180,725!
10.4!
9.3!
7.6!
7.8!
7.7!
26
East!
Northamptonshire!
£191,619!
£28,743!
24!
£162,876!
9.3!
8.4!
6.8!
7.1!
7.0!
Blaby!
£188,133!
£28,220!
24!
£159,913!
9.2!
8.2!
6.7!
6.9!
6.8!
Northampton!
£185,704!
£27,856!
23!
£157,848!
9.0!
8.1!
6.6!
6.9!
6.8!
Oadby!and!
Wigston!
£184,462!
£27,669!
23!
£156,793!
9.0!
8.1!
6.6!
6.8!
6.7!
Hinckley!and!
Bosworth!
£181,656!
£27,248!
23!
£154,407!
8.8!
7.9!
6.5!
6.7!
6.6!
Charnwood!
£181,605!
£27,241!
23!
£154,364!
8.8!
7.9!
6.5!
6.7!
6.6!
Wellingborough!
£178,557!
£26,784!
22!
£151,774!
8.7!
7.8!
6.4!
6.6!
6.5!
Melton!
£172,801!
£25,920!
22!
£146,881!
8.4!
7.6!
6.2!
6.4!
6.3!
Kettering!
£172,661!
£25,899!
22!
£146,762!
8.4!
7.5!
6.1!
6.4!
6.3!
North!Kesteven!
£171,443!
£25,716!
21!
£145,726!
8.3!
7.5!
6.1!
6.3!
6.2!
South!Kesteven!
£167,448!
£25,117!
21!
£142,331!
8.2!
7.3!
6.0!
6.2!
6.1!
North!West!
Leicestershire!
£166,691!
£25,004!
21!
£141,687!
8.1!
7.3!
5.9!
6.2!
6.1!
South!Derbyshire!
£165,110!
£24,766!
21!
£140,343!
8.0!
7.2!
5.9!
6.1!
6.0!
South!Holland!
£157,141!
£23,571!
20!
£133,570!
7.7!
6.9!
5.6!
5.8!
5.7!
Corby!
£154,038!
£23,106!
19!
£130,932!
7.5!
6.7!
5.5!
5.7!
5.6!
High!Peak!
£152,421!
£22,863!
19!
£129,558!
7.4!
6.7!
5.4!
5.6!
5.5!
Gedling!
£151,125!
£22,669!
19!
£128,456!
7.4!
6.6!
5.4!
5.6!
5.5!
Broxtowe!
£149,820!
£22,473!
19!
£127,347!
7.3!
6.5!
5.3!
5.5!
5.5!
Leicester!
£148,041!
£22,206!
19!
£125,835!
7.2!
6.5!
5.3!
5.5!
5.4!
Amber!Valley!
£147,679!
£22,152!
18!
£125,527!
7.2!
6.5!
5.3!
5.5!
5.4!
Newark!and!
Sherwood!
£145,933!
£21,890!
18!
£124,043!
7.1!
6.4!
5.2!
5.4!
5.3!
Erewash!
£141,984!
£21,298!
18!
£120,686!
6.9!
6.2!
5.1!
5.2!
5.2!
North!East!
Derbyshire!
£140,125!
£21,019!
18!
£119,106!
6.8!
6.1!
5.0!
5.2!
5.1!
West!Lindsey!
£139,971!
£20,996!
17!
£118,975!
6.8!
6.1!
5.0!
5.2!
5.1!
27
East!Lindsey!
£139,626!
£20,944!
17!
£118,682!
6.8!
6.1!
5.0!
5.2!
5.1!
Derby!
£134,250!
£20,137!
17!
£114,112!
6.5!
5.9!
4.8!
5.0!
4.9!
Bassetlaw!
£130,522!
£19,578!
16!
£110,943!
6.4!
5.7!
4.6!
4.8!
4.8!
Chesterfield!
£130,347!
£19,552!
16!
£110,795!
6.3!
5.7!
4.6!
4.8!
4.7!
Lincoln!
£129,808!
£19,471!
16!
£110,337!
6.3!
5.7!
4.6!
4.8!
4.7!
Boston!
£128,538!
£19,281!
16!
£109,257!
6.3!
5.6!
4.6!
4.7!
4.7!
Nottingham!
£128,081!
£19,212!
16!
£108,868!
6.2!
5.6!
4.6!
4.7!
4.7!
Ashfield!
£120,306!
£18,046!
15!
£102,260!
5.9!
5.3!
4.3!
4.4!
4.4!
Mansfield!
£111,361!
£16,704!
14!
£94,657!
5.4!
4.9!
4.0!
4.1!
4.1!
Bolsover!
£107,837!
£16,176!
13!
£91,661!
5.2!
4.7!
3.8!
4.0!
3.9!
-
-
- -
28
?%$;+A)$,-/"&-*'JK,$+)&,-
Many!public!sector!workers!will!find!it!difficult!to!buy!a!home!in!Yorkshire!and!Humberside.!Harrogate!is!the!most!expensive!local!a u th o rity !area!with!the!
average!property!for!first!time!buyers!costing!nearly!£226,000.!-
A!15%!deposit!for!an!averag e !p ro p er ty!f or !a!first!time !bu ye r!in!Ha rrog ate !is!alm os t!£34 ,000 .!It!wou ld!ta ke!2 8!yea rs!to!sa ve !up!th e!deposit!for!someone!
saving!£100!per!month.!So!someone!who!started!saving!aged!18!would!not!have!the!necessary!money!to!put!dow n!until!the!time!they!were!46.!The!
mortgage!to!earnings!multiple!for!a!nurse!in!Harro g a te ! is !8 .3!t o !1.!
The!situation!is!‘best’!in!Kingston!upon!Hull!where!the!average!property!for!a!first!time!buyer!costs!almost!£101,000.!But!it!would!still!take!13!years!to!save!
the!15%!dep o sit!of!£15 ,120 !– !so!someone!who!started!saving!aged!18!would!have!the!deposit!by!the!tim e!they!were!31.!
In!Kingston!upon!Hull,!the!m ortgage!to!earnings!multiple!for!four!of!the!public!service!jobs!listed!is!between!3.7!to!1!and !4. 4!to!1!–!below!the!maximum!of!
4.5!to!1!recommended,!but!NHS!cleaners!don’t!earn!enough!to!be!accepted!by!mortgage!lenders.!
Yorkshire!and!Humberside!
Job!
NHS!cleaner!
Teaching!
assistant!!
Librarian!
Nurse!
PCSO!
Gross!pay!
£17,460!
£19,446!
£23,866!
£23,023!
£23,346!
U%(/7-
/'#A%$)#L-
ID,$/0,-
C)$+#-#)J , -
K'L,$-A%'+,-
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5M,(,J K , $-
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#)J,+-+/7/$L-
$,R')$,&-C%$-
J%$#0/0,-
P'JK,$-%C-
#)J,+-+/7/$L-
$,R')$,&-C%$-
J%$#0/0,-
P'JK,$-%C-
#)J,+-+/7/$L-
$,R')$,&-C%$-
J%$#0/0,-
P'JK,$-%C-
#)J,+-+/7/$L-
$,R')$,&-C%$-
J%$#0/0,-
P'JK,$-%C-
#)J,+-+/7/$L-
$,R')$,&-C%$-
J%$#0/0,-
Harrogate!
£225,889!
£33,883!
28!
£192,006!
11.0!
9.9!
8.0!
8.3!
8.2!
York!
£208,446!
£31,267!
26!
£177,179!
10.1!
9.1!
7.4!
7.7!
7.6!
Ryedale!
£195,928!
£29,389!
24!
£166,539!
9.5!
8.6!
7.0!
7.2!
7.1!
Hambleton!
£186,842!
£28,026!
23!
£158,815!
9.1!
8.2!
6.7!
6.9!
6.8!
Craven!
£180,180!
£27,027!
23!
£153,153!
8.8!
7.9!
6.4!
6.7!
6.6!
Richmondshire!
£172,494!
£25,874!
22!
£146,620!
8.4!
7.5!
6.1!
6.4!
6.3!
Selby!
£165,242!
£24,786!
21!
£140,456!
8.0!
7.2!
5.9!
6.1!
6.0!
Leeds!
£153,438!
£23,016!
19!
£130,423!
7.5!
6.7!
5.5!
5.7!
5.6!
29
East!Riding!of!
Yorkshire!
£143,633!
£21,545!
18!
£122,088!
7.0!
6.3!
5.1!
5.3!
5.2!
Sheffield!
£136,616!
£20,492!
17!
£116,123!
6.7!
6.0!
4.9!
5.0!
5.0!
Scarborough!
£133,481!
£20,022!
17!
£113,458!
6.5!
5.8!
4.8!
4.9!
4.9!
Kirklees!
£128,309!
£19,246!
16!
£109,063!
6.2!
5.6!
4.6!
4.7!
4.7!
Wakefield!
£126,316!
£18,947!
16!
£107,369!
6.1!
5.5!
4.5!
4.7!
4.6!
Calderdale!
£119,900!
£17,985!
15!
£101,915!
5.8!
5.2!
4.3!
4.4!
4.4!
North!
Lincolnshire!
£119,463!
£17,919!
15!
£101,543!
5.8!
5.2!
4.3!
4.4!
4.3!
Bradford!
£119,159!
£17,874!
15!
£101,285!
5.8!
5.2!
4.2!
4.4!
4.3!
Rotherham!
£113,414!
£17,012!
14!
£96,402!
5.5!
5.0!
4.0!
4.2!
4.1!
Doncaster!
£108,506!
£16,276!
14!
£92,231!
5.3!
4.7!
3.9!
4.0!
4.0!
North!East!
Lincolnshire!
£106,324!
£15,949!
13!
£90,375!
5.2!
4.6!
3.8!
3.9!
3.9!
Barnsley!
£103,656!
£15,548!
13!
£88,108!
5.0!
4.5!
3.7!
3.8!
3.8!
Kingston!upon!
Hull!
£100,802!
£15,120!
13!
£85,681!
4.9!
4.4!
3.6!
3.7!
3.7!
-
- -
30
P%$#A-8,+#-
Many!public!sector!workers!will!find!it!difficult!to!buy!a!home!in!the!North!West.!Trafford!is!the!most!expensive!local!authority!in!the!North!West!with!the!
average!property!for!first!time!buyers!costing!nearly!£229,000.!-
A!15%!deposit!for!an!average!property!for!first!time!buyer!in!Trafford!is !ov er!£3 4 ,00 0 .!It!wo u ld !take !29 !yea rs !to!sa ve !up !the !deposit!for!someone!saving!
£100! per!month.!So!someone! w ho!started!saving! aged!18!would!not! have!the!deposit!until!the!time!they!were!47.!The! mortgage!to!earnings! mu ltiple!for!a!
nurse!in!Trafford !is!8.4!to!1,!so!the y !w o uld!be!turne d !d o wn!for!a!mo rtg a g e .!
The!situation!is!‘best’!in!Burnley!where!the!average!property!for!a!first!time!buyer!costs!just!o ver!£70,000.!But!it!still!would!take!9!years!to!save!a!15%!
deposit!of!£10,515!–!so!som eo ne!wh o!started!saving!aged !18!would!have!the!deposit!by!the!time!they!were!27.!
There!are!three!areas !in!the!N orth !W es t!– !Hyndburn,!Pendle!and!Burnley!-!where!all!five!public!sector!jobs!could!in!theory!afford!to!bu y!a!p rop erty .!But!
there!are!19!local!au tho rity!are as!ac ross!th e!No rth !W est!that!are !unaffordable!to!all!of!them.!
North!West!
Job!
NHS!cleaner!
Teaching!
assistant!!
Librarian!
Nurse!
PCSO!
Gross!pay!
£17,460!
£19,446!
£23,866!
£23,023!
£23,346!
U%(/7-
/'#A%$)#L-
ID,$/0,-
C)$+#-#)J , -
K'L,$-
A%'+,-
.$)(,-
5M,(,J K , $-
12349---------------------------
M,.%+)#-
",,&,&-
53NO9--------
P'JK,$-%C-
L,/$+-#%-
+/D,-&,.%+)#-
5Q322-.,$ -
J%"#A9--
F%$#0/0,-
",,&,&-----------
P'JK,$-%C-
#)J,+-+/7/$L-
$,R')$,&-C%$-
J%$#0/0,-
P'JK,$-%C-
#)J,+-+/7/$L-
$,R')$,&-C%$-
J%$#0/0,-
P'JK,$-%C-
#)J,+-+/7/$L-
$,R')$,&-C%$-
J%$#0/0,-
P'JK,$-%C-
#)J,+-+/7/$L-
$,R')$,&-C%$-
J%$#0/0,-
P'JK,$-%C-
#)J,+-+/7/$L-
$,R')$,&-C%$-
J%$#0/0,-
Trafford!
£228,597!
£34,290!
29!
£194,308!
11.1!
10.0!
8.1!
8.4!
8.3!
South!
Lakeland!
£193,064!
£28,960!
24!
£164,104!
9.4!
8.4!
6.9!
7.1!
7.0!
Ribble!
Valley!
£183,187!
£27,478!
23!
£155,709!
8.9!
8.0!
6.5!
6.8!
6.7!
Stockport!
£175,247!
£26,287!
22!
£148,960!
8.5!
7.7!
6.2!
6.5!
6.4!
Cheshire!
East!
£172,864!
£25,930!
22!
£146,934!
8.4!
7.6!
6.2!
6.4!
6.3!
31
Eden!
£170,737!
£25,611!
21!
£145,127!
8.3!
7.5!
6.1!
6.3!
6.2!
Cheshire!
West!and!
Chester!
£166,495!
£24,974!
21!
£141,521!
8.1!
7.3!
5.9!
6.1!
6.1!
Manchester!
£159,933!
£23,990!
20!
£135,943!
7.8!
7.0!
5.7!
5.9!
5.8!
Warrington!
£153,625!
£23,044!
19!
£130,582!
7.5!
6.7!
5.5!
5.7!
5.6!
West!
Lancashire!
£148,036!
£22,205!
19!
£125,831!
7.2!
6.5!
5.3!
5.5!
5.4!
Fylde!
£143,716!
£21,557!
18!
£122,159!
7.0!
6.3!
5.1!
5.3!
5.2!
Chorley!
£139,313!
£20,897!
17!
£118,416!
6.8!
6.1!
5.0!
5.1!
5.1!
Salford!
£137,815!
£20,672!
17!
£117,142!
6.7!
6.0!
4.9!
5.1!
5.0!
South!
Ribble!
£136,543!
£20,481!
17!
£116,062!
6.6!
6.0!
4.9!
5.0!
5.0!
Bury!
£136,227!
£20,434!
17!
£115,793!
6.6!
6.0!
4.9!
5.0!
5.0!
Lancaster!
£134,937!
£20,241!
17!
£114,697!
6.6!
5.9!
4.8!
5.0!
4.9!
Wirral!
£134,199!
£20,130!
17!
£114,069!
6.5!
5.9!
4.8!
5.0!
4.9!
Sefton!
£133,283!
£19,993!
17!
£113,291!
6.5!
5.8!
4.7!
4.9!
4.9!
Allerdale!
£129,452!
£19,418!
16!
£110,034!
6.3!
5.7!
4.6!
4.8!
4.7!
Wyre!
£126,248!
£18,937!
16!
£107,311!
6.1!
5.5!
4.5!
4.7!
4.6!
Tameside!
£125,701!
£18,855!
16!
£106,846!
6.1!
5.5!
4.5!
4.6!
4.6!
Halton!
£118,263!
£17,739!
15!
£100,523!
5.8!
5.2!
4.2!
4.4!
4.3!
Carlisle!
£116,926!
£17,539!
15!
£99,387!
5.7!
5.1!
4.2!
4.3!
4.3!
Oldham!
£115,960!
£17,394!
14!
£98,566!
5.6!
5.1!
4.1!
4.3!
4.2!
Liverpool!
£115,863!
£17,379!
14!
£98,484!
5.6!
5.1!
4.1!
4.3!
4.2!
Rochdale!
£114,964!
£17,245!
14!
£97,719!
5.6!
5.0!
4.1!
4.2!
4.2!
Wigan!
£113,043!
£16,956!
14!
£96,086!
5.5!
4.9!
4.0!
4.2!
4.1!
Rossendale!
£111,328!
£16,699!
14!
£94,629!
5.4!
4.9!
4.0!
4.1!
4.1!
St!Helens!
£109,884!
£16,483!
14!
£93,401!
5.3!
4.8!
3.9!
4.1!
4.0!
Bolton!
£109,748!
£16,462!
14!
£93,286!
5.3!
4.8!
3.9!
4.1!
4.0!
Copeland!
£107,261!
£16,089!
13!
£91,171!
5.2!
4.7!
3.8!
4.0!
3.9!
32
Preston!
£106,267!
£15,940!
13!
£90,327!
5.2!
4.6!
3.8!
3.9!
3.9!
Knowsley!
£105,774!
£15,866!
13!
£89,908!
5.1!
4.6!
3.8!
3.9!
3.9!
Barrow-in-
Furness!
£101,819!
£15,273!
13!
£86,546!
5.0!
4.5!
3.6!
3.8!
3.7!
Blackburn!
with!
Darwen!
£95,608!
£14,341!
12!
£81,267!
4.7!
4.2!
3.4!
3.5!
3.5!
Blackpool!
£94,998!
£14,250!
12!
£80,748!
4.6!
4.2!
3.4!
3.5!
3.5!
Hyndburn!
£83,681!
£12,552!
10!
£71,129!
4.1!
3.7!
3.0!
3.1!
3.0!
Pendle!
£82,795!
£12,419!
10!
£70,375!
4.0!
3.6!
2.9!
3.1!
3.0!
Burnley!
£70,097!
£10,515!
9!
£59,583!
3.4!
3.1!
2.5!
2.6!
2.6!
-
-
- -
33
P%$#A-6/+#-!
Many!public!sector!workers!will!find!it!difficult!to!buy!a!home!in!the!North!East.!Newcastle!is!the!most!expensive!local!auth ority!area,!with!the!average!
property!for!first!time!buyers!costing!nearly!£141,000.!-
A!15%!deposit!for!an!average!property!for!a!first!time!buye r!in !N e w c a stle !is !o ve r!£ 21 ,0 00 .!It!would!take!18!y ea rs !to !s av e !up !t h e! deposit!for!someone!saving!
£100!per!month.!So!someone!who!started!saving!aged!18!would!not!have!the!deposit!until!the!time!they!were!36.!The!mortgage!to!earnings!multiple!for!a!
nurse!in!Newcastle !is!5 .2 !to !1 ,!hig h e r!th a n !th e !4.5 !to !1 !maximum!rec o mmended.!
The!situation!is!‘best’!in!Durham!where!the!average!property!for!a!first!time!buyer!costs!just!less!than!£90,000.!But!it!would!still!take!11!years!to!save!the!
15%!deposit!of!£13,453!–!so!someo ne!wh o!started!saving!aged !18!would!have!the!deposit!by!the!time!they!were!29.!
Durham!and!Hartlepool!are!the!only!affordable!areas!in!the!region!for!all!five!jobs.!
North!East!
Job!
NHS!
cleaner!
Teaching!
assistant!
Librarian!
Nurse!
PCSO!
Gross!pay!
£17,460!
£19,446!
£23,866!
£23,023!
£23,346!
--U%(/7-/'#A%$)#L-
ID,$/0,-
C)$+#-#)J , -
K'L,$-
A%'+,-
.$)(,-
5M,(,J K , $-
12349---------------------------
M,.%+)#-
",,&,&-
53NO9--------
P'JK,$-%C-
L,/$+-#%-
+/D,-&,.%+)#-
5Q322-.,$-
J%"#A9--
F%$#0/0,-
",,&,&-----------
P'JK,$-%C-
#)J,+-
+/7/$L-
$,R')$,&-
C%$-
J%$#0/0,-
P'JK,$-%C-
#)J,+-
+/7/$L-
$,R')$,&-
C%$-
J%$#0/0,-
P'JK,$-%C-
#)J,+-
+/7/$L-
$,R')$,&-
C%$-
J%$#0/0,-
P'JK,$-%C-
#)J,+-
+/7/$L-
$,R')$,&-
C%$-
J%$#0/0,-
P'JK,$-%C-
#)J,+-
+/7/$L-
$,R')$,&-
C%$-
J%$#0/0,-
Newcastle!upon!Tyne!
£140,795!
£21,119!
18!
£119,676!
6.9!
6.2!
5.0!
5.2!
5.1!
North!Tyneside!
£140,127!
£21,019!
18!
£119,108!
6.8!
6.1!
5.0!
5.2!
5.1!
Northumberland!
£125,393!
£18,809!
16!
£106,584!
6.1!
5.5!
4.5!
4.6!
4.6!
Darlington!
£117,407!
£17,611!
15!
£99,796!
5.7!
5.1!
4.2!
4.3!
4.3!
Gateshead!
£116,973!
£17,546!
15!
£99,427!
5.7!
5.1!
4.2!
4.3!
4.3!
Stockton-on-Tees!
£114,508!
£17,176!
14!
£97,332!
5.6!
5.0!
4.1!
4.2!
4.2!
South!Tyneside!
£112,802!
£16,920!
14!
£95,882!
5.5!
4.9!
4.0!
4.2!
4.1!
Redcar!and!Cleveland!
£107,681!
£16,152!
13!
£91,529!
5.2!
4.7!
3.8!
4.0!
3.9!
34
Sunderland!
£100,427!
£15,064!
13!
£85,363!
4.9!
4.4!
3.6!
3.7!
3.7!
Middlesbrough!
£99,561!
£14,934!
12!
£84,627!
4.8!
4.4!
3.5!
3.7!
3.6!
Hartlepool!
£90,155!
£13,523!
11!
£76,632!
4.4!
3.9!
3.2!
3.3!
3.3!
Durham!
£89,690!
£13,453!
11!
£76,236!
4.4!
3.9!
3.2!
3.3!
3.3!
!
-
- -
35
8/7,+-
Many!public!sector!workers!will!find!it!difficult!to!buy!a!home!in!Wales.!Monmouthshire!is!the!most!expensive!local!authority!area!with!the!average!
property!for!first!time!buyers!costing!over!£188,000.!-
A!15%!deposit!for!an!average!property!for!a!first!time!buyer!in!M o nmouthshire!is!over!£28,00 0.!It!wo uld !take !24!ye ars!to !save !up !the !deposit!for!someone!
saving!£100!per!month.!The!mortgage!to!earnings!multiple!for!a!nurse!in!Monmouthshire!is!7 !t o!1 ,!h ig he r!t ha n !th e !4 .5!t o !1!maximum!re co mmended.!!
The!situation!is!‘best’!in!Blaenau!Gwent!where!the!average!pro perty!for!a!first!time!buyer!costs!just!under!£82,000.!But!it!would!take!10!ye ars!to!sa ve!th e!
15%!deposit!of!£12,250!–!so!someo ne!wh o!started!saving!aged !18!would!have!the!deposit!by!the!time!they!were!28.!
Merthyr!Tydfil!and!Blaenau!Gwent!are!the!only!areas!in!Wales!where!all!five!jobs!in!this!report!could!in!theory!afford!to!buy!somewhere.!
Cymru/W ales!
Job!
NHS!
Cleaner!
Teaching!
Assistant!
Librarian!
Nurse!
Police!
Community!
Support!
Officer!
Gross!pay!
£17,460!
£19,446!
£23,866!
£23,023!
£23,346!
--
G)$+#-#)J,-
K'L,$-
/D,$/0,-
.$)(,-
5M,(,J K , $-
12349---------------------------
Q-
3NO-M,.%+)#-------
Q-
V/D)"0-
Q322WJ%"#A-X-
P'JK,$-%C-
L,/$+-#%-+/D,-
&,.%+)#--
F%$#0/0,-----------
",,&,&-
P'JK,$-
%C-#)J,+-
+/7/$L-
$,R')$,&-
C%$-
J%$#0/0,-
P'JK,$-
%C-#)J,+-
+/7/$L-
$,R')$,&-
C%$-
J%$#0/0,
P'JK,$-
%C-#)J,+-
+/7/$L-
$,R')$,&-
C%$-
J%$#0/0,
P'JK,$-
%C-#)J,+-
+/7/$L-
$,R')$,&-
C%$-
J%$#0/0,
P'JK,$-%C-
#)J,+-
+/7/$L-
$,R')$,&-
C%$-
J%$#0/0,
Monmouthshire!
£188,892!
£28,334!
24!
£160,558!
9.2!
8.3!
6.7!
7.0!
6.9!
Cardiff!
£175,996!
£26,399!
22!
£149,597!
8.6!
7.7!
6.3!
6.5!
6.4!
Vale!of!Glamorgan!
£174,087!
£26,113!
22!
£147,974!
8.5!
7.6!
6.2!
6.4!
6.3!
Ceredigion!
£167,436!
£25,115!
21!
£142,320!
8.2!
7.3!
6.0!
6.2!
6.1!
Powys!
£159,271!
£23,891!
20!
£135,381!
7.8!
7.0!
5.7!
5.9!
5.8!
Pembrokeshire!
£149,114!
£22,367!
19!
£126,747!
7.3!
6.5!
5.3!
5.5!
5.4!
Newport!
£143,443!
£21,517!
18!
£121,927!
7.0!
6.3!
5.1!
5.3!
5.2!
36
Conwy!
£143,207!
£21,481!
18!
£121,726!
7.0!
6.3!
5.1!
5.3!
5.2!
Isle!of!An g les e y!
£142,117!
£21,318!
18!
£120,799!
6.9!
6.2!
5.1!
5.2!
5.2!
Flintshire!
£139,856!
£20,978!
17!
£118,877!
6.8!
6.1!
5.0!
5.2!
5.1!
Gwynedd!
£134,082!
£20,112!
17!
£113,969!
6.5!
5.9!
4.8!
5.0!
4.9!
Wrexham!
£132,545!
£19,882!
17!
£112,664!
6.5!
5.8!
4.7!
4.9!
4.8!
Bridgend!
£130,022!
£19,503!
16!
£110,519!
6.3!
5.7!
4.6!
4.8!
4.7!
Denbighshire!
£129,321!
£19,398!
16!
£109,923!
6.3!
5.7!
4.6!
4.8!
4.7!
Swansea!
£128,478!
£19,272!
16!
£109,206!
6.3!
5.6!
4.6!
4.7!
4.7!
Carmarthenshire!
£126,074!
£18,911!
16!
£107,163!
6.1!
5.5!
4.5!
4.7!
4.6!
Caerphilly!
£114,532!
£17,180!
14!
£97,352!
5.6!
5.0!
4.1!
4.2!
4.2!
Torfaen!
£112,451!
£16,868!
14!
£95,583!
5.5!
4.9!
4.0!
4.2!
4.1!
Neath!Port!Talbot!
£106,391!
£15,959!
13!
£90,432!
5.2!
4.7!
3.8!
3.9!
3.9!
Rhondda!Cynon!
Taf!
£96,029!
£14,404!
12!
£81,625!
4.7!
4.2!
3.4!
3.5!
3.5!
Merthyr!Tydfil!
£88,208!
£13,231!
11!
£74,976!
4.3!
3.9!
3.1!
3.3!
3.2!
Blaenau!Gwent!
£81,721!
£12,258!
10!
£69,463!
4.0!
3.6!
2.9!
3.0!
3.0!
!
- -
37
V(%#7/"&-
Many!public!sector!workers!will!find!it!difficult!to !buy !a!ho m e !in!Sco tlan d.!Ed inb u rgh !is!the!m o st!exp e nsiv e!loca l!auth o rity!area!in!Scotland,! with!the!average!
property!for!first!time!buyers!costing!over!£197,000.!!
A!15%!deposit!for!an!average!property!for!first!time!buyer!in!Edinburgh!is!over!£29,000.!It!would!take!25!years!to!save!up!the!deposit!for!someone!saving!
£100!per!month.!The!mortgage!to!earnings!multiple!for!a!nurse!in!Edinburgh!is!7.3!to!1,!h igher!than!the!4.5!to !1!m ax imu m !rec om m e nd ed .!
The!situation!is!‘best’!in!East!Ayrshire!where!the!average!property!for!a!first!time!buyer!costs!just!over!£75,000.!But!it!would!still!take!nine!years!to!save!the!
15%!deposit!of!£11,330!–!so!someo ne!wh o!started!saving!aged !18!would!have!the!deposit!by!the!time!they!were!27.!
There!are!five!local!authority!areas!in!Scotland!where!all!five!jobs!could!in!theory!afford!to!buy!somewhere.!
SCOTLAND!
Job!
NHS!Cleaner!
Classroom!
assistant!
Librarian!
Nurse!
Police!
Custody!and!
Security!
Officer!
Gross!Pay!
£17,460!
£16,900!
£25,488!
£23,113!
£20,445!
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City!of!Edinburgh!
£197,598!
£29,640!
25!
£167,958!
9.6!
9.9!
6.6!
7.3!
8.2!
East!Renfrewshire!
£164,344!
£24,652!
21!
£139,693!
8.0!
8.3!
5.5!
6.0!
6.8!
East!Lothian!
£158,617!
£23,793!
20!
£134,825!
7.7!
8.0!
5.3!
5.8!
6.6!
East!
Dunbartonshire!
£154,678!
£23,202!
19!
£131,476!
7.5!
7.8!
5.2!
5.7!
6.4!
Aberdeenshire!
£149,611!
£22,442!
19!
£127,169!
7.3!
7.5!
5.0!
5.5!
6.2!
Shetland!Islands!
£148,630!
£22,294!
19!
£126,335!
7.2!
7.5!
5.0!
5.5!
6.2!
38
Midlothian!
£145,222!
£21,783!
18!
£123,438!
7.1!
7.3!
4.8!
5.3!
6.0!
City!of!Aberdeen!
£136,799!
£20,520!
17!
£116,279!
6.7!
6.9!
4.6!
5.0!
5.7!
Perth!and!Kinross!
£135,441!
£20,316!
17!
£115,125!
6.6!
6.8!
4.5!
5.0!
5.6!
Stirling!
£130,986!
£19,648!
16!
£111,338!
6.4!
6.6!
4.4!
4.8!
5.4!
Orkney!Islands!
£128,775!
£19,316!
16!
£109,459!
6.3!
6.5!
4.3!
4.7!
5.4!
Highland!
£128,306!
£19,246!
16!
£109,060!
6.2!
6.5!
4.3!
4.7!
5.3!
Moray!
£125,186!
£18,778!
16!
£106,408!
6.1!
6.3!
4.2!
4.6!
5.2!
West!Lothian!
£124,581!
£18,687!
16!
£105,894!
6.1!
6.3!
4.2!
4.6!
5.2!
Scottish!Borders!
£120,436!
£18,065!
15!
£102,370!
5.9!
6.1!
4.0!
4.4!
5.0!
Angus!
£117,790!
£17,669!
15!
£100,122!
5.7!
5.9!
3.9!
4.3!
4.9!
City!of!Glasgow!
£115,236!
£17,285!
14!
£97,951!
5.6!
5.8!
3.8!
4.2!
4.8!
Argyll!and!Bute!
£109,918!
£16,488!
14!
£93,430!
5.4!
5.5!
3.7!
4.0!
4.6!
Dumfries!and!
Galloway!
£105,701!
£15,855!
13!
£89,846!
5.1!
5.3!
3.5!
3.9!
4.4!
South!Ayrshire!
£104,401!
£15,660!
13!
£88,741!
5.1!
5.3!
3.5!
3.8!
4.3!
Fife!
£103,843!
£15,576!
13!
£88,266!
5.1!
5.2!
3.5!
3.8!
4.3!
City!of!Dundee!
£102,564!
£15,385!
13!
£87,180!
5.0!
5.2!
3.4!
3.8!
4.3!
Falkirk!
£100,109!
£15,016!
13!
£85,092!
4.9!
5.0!
3.3!
3.7!
4.2!
Renfrewshire!
£99,020!
£14,853!
12!
£84,167!
4.8!
5.0!
3.3!
3.6!
4.1!
South!Lanarkshire!
£98,114!
£14,717!
12!
£83,397!
4.8!
4.9!
3.3!
3.6!
4.1!
West!
Dunbartonshire!
£94,888!
£14,233!
12!
£80,655!
4.6!
4.8!
3.2!
3.5!
3.9!
Clackmannanshire!
£92,160!
£13,824!
12!
£78,336!
4.5!
4.6!
3.1!
3.4!
3.8!
North!Lanarkshire!
£86,588!
£12,988!
11!
£73,600!
4.2!
4.4!
2.9!
3.2!
3.6!
North!Ayrshire!
£85,599!
£12,840!
11!
£72,759!
4.2!
4.3!
2.9!
3.1!
3.6!
Na!h-Eileanan!Siar!
£84,810!
£12,722!
11!
£72,089!
4.1!
4.3!
2.8!
3.1!
3.5!
Inverclyd e !
£81,933!
£12,290!
10!
£69,643!
4.0!
4.1!
2.7!
3.0!
3.4!
East!Ayrshire!
£75,533!
£11,330!
9!
£64,203!
3.7!
3.8!
2.5!
2.8!
3.1!
!
