In 2020, the most affordable area for first-time home buyers in the United Kingdom (UK) was Burnley with a low house price to average earnings ratio of ***, closely followed by East and North Ayrshire with a ratio of ***. This means that in these areas, the house price is a little over times the first-time buyer earnings as of 2020.
The lower the ratio, the more affordable it is for the first-time buyers to afford a house in the mentioned district.
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Lloyds Banking Group, & Halifax. (January 25, 2021). House price to average earnings ratios for first-time home buyers in most affordable areas in the United Kingdom (UK) in 2020, by district [Graph]. In ÌÇÐÄÆƽâ°æ. Retrieved July 31, 2026, from /statistics/1250805/most-affordable-areas-first-time-buyers-uk-2020/
Lloyds Banking Group, und Halifax. "House price to average earnings ratios for first-time home buyers in most affordable areas in the United Kingdom (UK) in 2020, by district ." Chart. January 25, 2021. ÌÇÐÄÆƽâ°æ. Accessed July 31, 2026. /statistics/1250805/most-affordable-areas-first-time-buyers-uk-2020/
Lloyds Banking Group, Halifax. (2021). House price to average earnings ratios for first-time home buyers in most affordable areas in the United Kingdom (UK) in 2020, by district . ÌÇÐÄÆƽâ°æ. ÌÇÐÄÆƽâ°æ Inc.. Accessed: July 31, 2026. /statistics/1250805/most-affordable-areas-first-time-buyers-uk-2020/
Lloyds Banking Group, and Halifax. "House Price to Average Earnings Ratios for First-time Home Buyers in Most Affordable Areas in The United Kingdom (Uk) in 2020, by District ." ÌÇÐÄÆƽâ°æ, ÌÇÐÄÆƽâ°æ Inc., 25 Jan 2021, /statistics/1250805/most-affordable-areas-first-time-buyers-uk-2020/
Lloyds Banking Group & Halifax, House price to average earnings ratios for first-time home buyers in most affordable areas in the United Kingdom (UK) in 2020, by district ÌÇÐÄÆƽâ°æ, /statistics/1250805/most-affordable-areas-first-time-buyers-uk-2020/ (last visited July 31, 2026)
House price to average earnings ratios for first-time home buyers in most affordable areas in the United Kingdom (UK) in 2020, by district [Graph], Lloyds Banking Group, & Halifax, January 25, 2021. [Online]. Available: /statistics/1250805/most-affordable-areas-first-time-buyers-uk-2020/
