Where can I afford to live?
Enter your income to see which of 293English areas fit your budget — to buy or to rent. Buying uses each area’s ONS house-price-to-earnings ratio; renting uses the official ONS Price Index of Private Rents.
Your estimated budget is £177,500 (4.5× income + deposit). You could afford a typical home in 18 of 293 English areas.
Most affordable areas to buy
- Burnley£131,000
- Hyndburn£136,000
- Blackpool£137,000
- Pendle£139,000
- Kingston upon Hull, City of£139,000
- County Durham£142,000
- Stoke-on-Trent£153,000
- Middlesbrough£153,000
- Sunderland£154,000
- Hartlepool£155,000
- North East Lincolnshire£164,000
- South Tyneside£164,000
Estimated typical home prices, price-to-earnings basis, 2025.
A guide, not mortgage advice. The buying estimate assumes a typical lender cap of 4.5× income plus your deposit, and estimates each area’s typical home price from its price-to-earnings ratio × local median earnings (so it’s an approximation, not a live valuation). Rent affordability uses the common 30%-of-gross-income guideline against the area’s average monthly rent. See data sources.