Most affordable places to buy a house in the UK

You too can be a home owner

Kingston-upon-Hull is the most affordable city in Britain with 92 per cent (91.9 per cent) of properties currently for sale at prices less than the UK’s average house price, according to research by online estate agents HouseSimple.com

Only three other towns (with more than 150 properties listed for sale) have more than 90 per cent of properties for sale, at asking prices below the UK average. They are Birkenhead (91.8 per cent), Kilmarnock (91.8 per cent) and Middlesbrough (90.2 per cent).

The following table shows the most affordable UK towns and cities ranked in order of the number of properties for sale that are below the average house price in the UK:

Town/CityRegionTotal no. properties for saleNo. of properties below £100k per cent below £100kNo. of properties below UK average*

per cent

below average house price

HullYorkshire106353050.0 per cent97791.9 per cent
BirkenheadNorth West26814754.9 per cent24691.8 per cent
KilmarnockScotland20210654.6 per cent18290.1 per cent
MiddlesbroughNorth East66232048.3 per cent59690.0 per cent
BurnleyNorth West58929149.4 per cent52489.0 per cent
GrimsbyYorkshire29516957.3 per cent26188.5 per cent
BradfordYorkshire138362545.2 per cent122088.2 per cent
WiganNorth West43715936.4 per cent38487.9 per cent
NeathWales75431842.2 per cent65687.0 per cent
BlackpoolNorth West132851538.8 per cent115587.0 per cent
StokeW Midlands132758343.9 per cent114486.2 per cent
SunderlandNorth East62231250.2 per cent53085.2 per cent
Merthyr TydfilWales25614657.0 per cent21684.4 per cent
DarlingtonNorth East48823940.0 per cent41084.0 per cent
DoncasterYorkshire85730635.7 per cent72084.0 per cent
ScunthorpeYorkshire33511133.1 per cent28183.9 per cent

At the other end of the affordability chart, London, not surprisingly, is the least affordable city in the UK. But there are five other locations where under 10 per cent of properties currently for sale are listed at less than the average UK house price. In Bath, just 6.8 per cent of properties being marketed are priced lower than the UK average.

The following table shows the least affordable UK towns and cities ranked in order of the number of properties for sale that are below the average house price in the UK:

Town/CityRegionTotal no. properties for saleNo. of properties below £100k per cent below £100kNo. of properties below UK average*

per cent

below average house price

LondonLondon25000+1510.6 per cent10374.2 per cent
BathSouth West38151.3 per cent266.8 per cent
GuildfordSouth East27110.4 per cent197.0 per cent
CrawleySouth East36210.3 per cent328.8 per cent
Tunbridge WellsSouth East29931.0 per cent279.0 per cent
BrightonSouth East63240.6 per cent609.5 per cent

Alex Gosling, CEO of online estate agents HouseSimple.com said: “The lack of affordable properties in the UK has become a recurring theme as house prices have continued to rise. So, it will probably come as a surprise to many people, that there are still major towns and cities where almost every property for sale is below the UK average house price.

“Average salaries in these areas may still restrict people from buying a property but at least there’s a pool of properties that someone with a small deposit could afford. And towns such as Hull and Grimsby offer hope to the many first-time buyers trying to climb on the property ladder, with more than half of the current stock on the market below £100,000.

“The picture is very different in the south of England and Bath and Brighton are classic examples. Both are extremely popular cities, particularly for Londoners wanting to move out and enjoy a better quality of life. But prices have rocketed as a result and moved away from many buyers. Less than 10% of properties in these cities are below the average UK property price, and properties under £100k are almost extinct. First-time buyers, unless they have help from parents, are facing the prospect of holding off buying until well into their 30s, if at all.”

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