If budgets are tight but you're keen to step onto or up the housing ladder, you'll get more property for your pounds in one of these 10 locations.

Shildon in County Durham is the most affordable town to live in Britain, according to our latest data.

Our research compared average house prices throughout towns in Britain with average incomes* to discover where the most affordable homes are. 

Want to know more? See the top 10 most affordable towns to buy in:

1. Shildon, County Durham 

Average house price (Jan 2020): £59,000

Median gross income (2019): £27,500

House price to income ratio (2019/20): 2.14 (ie, house price is just over twice the average income)

What’s for sale: Two-bedroom mid-terraced house in King Edward Street, offers in the region of £60,000

Affordable housing: Shildon in County Durham makes the list of towns where house prices are affordable.

2. Peterlee, County Durham

Average house price: £65,000

Median gross income: £27,500

House price to income ratio: 2.38

What’s for sale: Three-bedroom end of terrace house in Pentland Close for £65,000

Affordable housing: Peterlee in County Durham makes the list of towns where house prices are affordable.

3. Stevenston, North Ayrshire

Average house price: £72,000

Median gross income: £30,000

House price to income ratio: 2.42

What’s for sale: Three-bedroom terraced house in Mayfield Crescent, offers over £79,995

Affordable housing: Stevenston in Ayrshire makes the list of towns where house prices are affordable.

4. Ferndale, Rhondda Valley, Mid-Glamorgan 

Average house price: £65,000

Median gross income: £27,000

House price to income ratio: 2.42

What’s for sale: Three-bedroom terraced house in Oxford Street for £70,000

Affordable housing: Ferndale in Mid-Glamorgan makes the list of towns where house prices are affordable.

5. Cumnock, East Ayrshire

Average house price: £73,000

Median gross income: £29,500

House price to income ratio: 2.48

What’s for sale: Three-bedroom semi-detached house on Church Street, offers over £75,000 

Affordable housing: Cumnock in East Ayrshire makes the list of towns where house prices are affordable.

6. Girvan, South Ayrshire

Average house price: £79,000

Median gross income: £31,500

House price to income ratio: 2.51 (ie, house price is just over two and a half times the average income)

What’s for sale: Three-bedroom end of terrace house in Birch Terrace, offers over £74,000

Affordable housing: Girvan in South Ayrshire makes the list of towns where house prices are affordable.

7. Ferryhill, County Durham

Average house price: £70,000

Median gross income: £27,500

House price to income ratio: 2.53

What’s for sale: Three-bedroom terraced house in Encombe Terrace, offers over £60,000

Affordable housing: Ferryhill in County Durham makes the list of towns where house prices are affordable.

8. Irvine, North Ayrshire

Average house price: £79,000

Median gross income: £30,000

House price to income ratio: 2.65

What’s for sale: Three-bedroom semi-detached house for sale in Herbertson Crescent, offers over £83,000

Affordable housing: Irvine in Scotland makes the list of towns where house prices are affordable.

9. Stanley, County Durham

Average house price: £75,000

Median gross income: £27,500

House price to income ratio: 2.73

What’s for sale: Three-bedroom terraced house for sale in Edward Street, £79,950

Affordable housing: Stanley in County Durham makes the list of towns where house prices are affordable.

10. Mauchline, East Ayrshire

Average house price: £81,000

Median gross income: £29,500

House price to income ratio: 2.76

What’s for sale: Two-bed terraced house in Loch Road, offers over £69,950

Affordable housing: Mauchline in East Ayrshire makes the list of towns where house prices are affordable.

 * Based on the The Annual Survey of Hours and Earnings (ASHE) 2019 data

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The information and data in this article was correct at the time of publishing and every attempt is made to ensure its accuracy. However, it may now be out of date or superseded. Zoopla Ltd and its group companies make no representation or warranty of any kind regarding the content of this article and accept no responsibility or liability for any decisions made by the reader based on the information and/or data shown here.
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