According to a new survey carried out by Halifax, the most affordable local authority district (LAD) in the UK is East Dunbartonshire, situated just to the north of Glasgow. The analysis by the UK’s largest mortgage provider compared local house prices to average earnings in every LAD in the UK. East Dunbartonshire came out on top of the affordability table with property prices averaging just £97,089, 2.6 times the local annual gross salary.

At the other end of the scale, London was home to all 10 of the least affordable LADs, with Brent the least affordable place of all. Its earnings to house price ratio was 12.5. Scotland and the north of England were typically the areas found to be the most affordable LADs, with south Wales and Northern Ireland not far behind.


The top 10 most affordable areas:
District Region Ratio
East Dunbartonshire West of Scotland 2.6
Copeland (West Cumbria) North West England 2.9
East Renfrewshire West of Scotland 3.0
West Dunbartonshire West of Scotland 3.1
Stirling Central Scotland 3.1
Pendle North West England 3.2
Blaenau Gwent South Wales 3.3
North Lanarkshire Central Scotland 3.3
Northumberland North East England 3.3
Mid and East Antrim Northern Ireland 3.4


Other interesting stats to emerge from the survey include:

  • The average age of a first-time buyer was highest in London at 32
  • 45% of properties purchased by first-time buyers are priced between £125,000 and £250,000
  • The UK average deposit was £33,960 (17% of the purchase price)
  • Across the UK, 31% of properties sold were below the £125,000 starting threshold for stamp duty
  • First-time buyers in London paid the highest average price (£384,617) for a home with the lowest average price in Northern Ireland (£110,675)

If you would like to take advantage of East Dunbartonshire’s excellent affordability rating, go to our East Dunbartonshire page where there are some excellent new homes available right now. Otherwise, you can look for new homes in other affordable locations with our comprehensive new homes search page.

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