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Source: Nationwide Building Society
Most Recent Data: June 2009
Last Updated: 2 October 2009

Notes: Affordability is measured relative to the average in 1985. Higher index values indicate worsening affordability. Initial mortgage payments calculated using new lending interest rate (source: CML) for a loan 90% of the typical FTB house price. Mortgage payments based on a repayment mortgage and, where appropriate, net of MIRAS (pre-withdrawal). Mean earnings of full-time workers in each region using ONS Annual Survey of Hours & Earnings and, pre-1998, the New Earnings Survey with take home pay calculated net of prevailing tax and national insurance.

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