Data from Zoopla’s November 2025 report highlights a pronounced geographic polarisation in UK housing affordability.

The findings reveal that, on average, two earners looking to buy a home can expect to pay 4.4 times their average combined annual earnings — slightly lower than 4.5 times in 2024.

But areas like Scotland and the North East of England offer much better value .

The affordability of these regions stands in sharp contrast to hotspots in the South East, such as Beaconsfield in Buckinghamshire , where property prices exceed £1 million.

This is more than 15 times the average household income and marks Beaconsfield as the UK’s least affordable town based on price-to-earnings ratio.

Such disparities vividly illustrate the housing affordability pressures weighing down poten

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