HM Land Registry · average house price June 2026, median full-time annual pay 2025 · Local authority
Where is housing least affordable compared with local pay?
The average house price in each local authority divided by the median annual pay of full-time employees living there: how many years of the middle full-time salary the average home costs. Both figures are published; the division is a Civometry calculation, and every area shows its arithmetic.
Carmarthenshire
5.3 yearsYears of median full-time pay per average home
In Carmarthenshire, the average home costs 5.3 years of median full-time annual pay (average house price June 2026, median full-time annual pay 2025) — joint 54th lowest of 348 areas with a published figure.
- Area
- Carmarthenshire (W06000010)
- Years of median full-time pay per average home
- 5.3 years
- Rank
- joint 54th lowest of 348 areas with a published figure; 12 more areas have no published figure
- Percentile
- 15% of areas with a figure are below it
- Period
- average house price June 2026, median full-time annual pay 2025
- Release
- average house price: UK House Price Index: June 2026; median full-time annual pay: 2025 provisional
- Published by
- HM Land Registry and ONS
- Status
- Civometry calculation on published figures
How this number was worked out
average house price £197,547 ÷ median full-time annual pay £37,405 = 5.3 years of pay
average house price ÷ median full-time annual pay
Both figures are published for this area. Nothing is weighted, smoothed or modelled, so the sum above can be checked by hand.
In Carmarthenshire, the average home costs 5.3 years of median full-time annual pay (average house price June 2026, median full-time annual pay 2025) — joint 54th lowest of 348 areas with a published figure. Civometry calculation using HM Land Registry and ONS figures. Calculation: average house price £197,547 ÷ median full-time annual pay £37,405 = 5.3 years of pay.
Highest areas
| # | Area | years of pay |
|---|---|---|
| 1 | Kensington and Chelsea · profile | 23.8 years |
| 2 | Westminster · profile | 16.2 years |
| 3 | Camden · profile | 15.7 years |
| 4 | Hammersmith and Fulham · profile | 15.4 years |
| 5 | Haringey · profile | 14.4 years |
| 6 | Elmbridge · profile | 14.3 years |
| 7 | Richmond upon Thames · profile | 14.3 years |
| 8 | Ealing · profile | 14.1 years |
| 9 | Brent · profile | 13.6 years |
| 10 | Islington · profile | 13.3 years |
Lowest areas
| # | Area | years of pay |
|---|---|---|
| 348 | Inverclyde · profile | 3.0 years |
| 347 | West Dunbartonshire · profile | 3.2 years |
| 346 | Aberdeen City · profile | 3.3 years |
| 345 | North Ayrshire · profile | 3.5 years |
| 344 | East Ayrshire · profile | 3.7 years |
| 343 | North Lanarkshire · profile | 3.8 years |
| 342 | Middlesbrough · profile | 3.9 years |
| 341 | South Ayrshire · profile | 4.0 years |
| 340 | Shetland Islands · profile | 4.0 years |
| 339 | Hyndburn · profile | 4.0 years |
All 348 areas, ranked
Ranked by years of median full-time pay per average home, highest first; ties in alphabetical order. Areas without a value are not ranked.
What this map shows
348 of 360 local authority areas have a current value for house price to pay ratio (years of median full-time pay per average home), average house price June 2026, median full-time annual pay 2025. Classes are quantiles of the areas with data, computed on the server, so the same link always gives the same legend.
A higher ratio means a home costs more years of the local middle full-time salary.
Take the data
- Download all areas (CSV)
- JSON
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- Permalink: https://civometry.com/maps/housing-affordability/all/latest
- PNG
- SVG
Embed (static map with title, period, official source and a link back):
<iframe src="https://civometry.com/embed/maps/housing-affordability/all/latest?level=lad&measure=ratio" width="720" height="700" style="border:0;max-width:100%" title="House price to pay ratio, years of median full-time pay per average home, by local authority: average house price June 2026, median full-time annual pay 2025 | Civometry" loading="lazy"></iframe>Source and method
- Data
- UK House Price Index: average prices (HM Land Registry).
- Denominator
- median full-time annual pay for the same area, as published ASHE Table 8.7a: annual gross pay by place of residence (ONS).
- Boundaries
- ONS Open Geography Portal generalised boundaries, Open Government Licence v3.0 (2025-05 BGC v2 LAD_MAY_2025_UK_BGC_V2).
- Basemap
- Ordnance Survey Maps API (Light), used under the OS Data Hub terms.
- Formula
- average house price ÷ median full-time annual pay, both as published
- Stale areas
- Both sides use the newest period each source publishes for the area. An area missing either side is no data, with the missing side named. Nothing is carried forward and no year is interpolated.
- Method
- Methodology
Other maps
- Police-recorded crime
- Country of birth (Census)
- Religion (Census)
- Ethnic group (Census)
- Ethnic group, five broad groups (Census)
- Usual residents (Census)
- Private rent a month (ONS)
- Median annual pay, full-time employees (ONS)
- Band D council tax (MHCLG)
- Average house price (HM Land Registry)
- Domestic gas use per meter (DESNZ)
- Domestic electricity use per meter (DESNZ)
- Improving or not: crime, rents, house prices, pay and council tax
- Rent compared with local pay
- Council tax compared with local pay
- Population change
- People claiming unemployment-related benefits (ONS)
- Recorded crime in Scotland (Scottish Government)
- Recorded crime in Northern Ireland (PSNI)
- International migration by local authority (ONS)
- Deprivation (IMD average score)
- Income deprivation rate
- All maps