If budgets are tight but you're keen to step on to or up the housing ladder, you'll get most bang for your buck in one of these 10 locations.

Nelson in Lancashire has been crowned the most affordable town to live in Britain, according to Zoopla.

The research compared the average house price in a town with the average household income.

Want to know more? Here's the top 10 most affordable towns to live:

1. Nelson, Lancashire

Average house price (2018): £109,385

Average household income (2017): £28,528

House price to household income ratio (2018): 3.83 (ie, house price is nearly four times household income)

What’s for sale: Three-bedroom semi-detached house on Town House Road for £110,000

 

2. Accrington, Lancashire

Average house price: £115,660

Average household income: £29,659

House price to household income ratio: 3.9

What’s for sale: Three-bedroom mews house on Abbeydale Way for £115,000

 

3. Airdrie, North Lanarkshire

Average house price: £129,824

Average household income: £32,878

House price to household income ratio: 3.95

What’s for sale: Three-bedroom terraced house on Forrest Street for £125,000

 

4. Burnley, Lancashire

Average house price: £124,814

Average household income: £31,267

House price to household income ratio: 3.99

What’s for sale: Four-bedroom terraced house on Straight Mile Court for £125,000

 

5. Glenrothes, Fife

Average house price: £131,994

Average household income: £33,022

House price to household income ratio: 4

What’s for sale: Three-bedroom semi-detached house on Locheil Gardens for £126,995

 

6. Bishop Auckland, County Durham

Average house price: £129,423

Average household income: £31,210

House price to household income ratio: 4.15

What’s for sale: Three-bedroom terraced house on Durham Road for £125,000

 

7. Coatbridge, North Lanarkshire

Average house price: £126,740

Average household income: £29,937

House price to household income ratio: 4.23

What’s for sale: Three-bedroom semi-detached house on Kirkwood Place for £127,000

 

8. Wallsend, Tyne & Wear

Average house price: £123,236

Average household income: £29,104

House price to household income ratio: 4.23

What’s for sale: Two-bedroom semi-detached house in Westerdale for £124,000

 

9. Falkirk, Falkirk

Average house price: £152,777

Average household income: £36,041

House price to household income ratio: 4.24

What’s for sale: Three-bedroom semi-detached house on Grahamsdyke Street, Laurieston, for £154,000

 

10. Blackpool, Lancashire

Average house price: £120,658

Average household income: £28,285

House price to household income ratio: 4.27

What’s for sale: Three-bedroom terraced house on Hawes Side Lane for £120,000

 

And here’s the 10 LEAST affordable towns* too, just for good measure.

Rank

Town

Average property value (2018)

Average household income (2017)

Affordability ratio (2018)

1. Richmond, Surrey  £992,356  £56,537  17.55 
2.  Leatherhead, Surrey  £792,513  £60,013  13.21 
3.  Kingston Upon Thames, London  £707,813  £57,059  12.4 
4.   Barnet, Hertfordshire  £662,042  £53,496  12.38 
5.  Sevenoaks, Kent  £683,824  £57,883  11.81 
6.  Twickenham, London  £747,080  £64,765  11.54 
7.  Southall, London  £382,693  £34,442  11.11 
8.  Oxford, Oxfordshire  £500,765  £45,109  11.1 
9.  Bath, Somerset  £480,013  £43,441  11.05 
10.  Guildford, Surrey  £597,113  £54,259  11 

 *The research excludes central London.

Phil Spencer's Buying Tips: How to secure your dream home

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