Official statistical benchmark + rule-based calculation · not a lending decision
Can we afford to buy in North Ayrshire?
The area’s official average price and residents’ median pay first, then plain arithmetic for your household: deposit, loan, monthly repayment at a rate you choose, and the multiple of your gross income the loan would be. Lenders apply their own tests; none is modelled here.
The area
- Average house price
- £141,756 · North Ayrshire, June 2026 · HM Land Registry
- Median full-time pay of residents
- £40,312 a year · 2025, provisional · ONS ASHE
- Price to pay
- 3.5 times one median full-time salary (Civometry ratio)
Rule-based calculation · £141,756 at 10% deposit, 5% over 25 years
£746 a month
Deposit £14,176 · loan £127,580 · 3.6 times gross household pay of £35,000
That is 31% of net household pay of £2,393 a month under the 2026/27 rules. The 5% rate is a placeholder you should replace with a real quote: no official average mortgage rate is loaded on this site. Repayment mortgage, fixed rate for the whole term, no fees, no stamp duty.