National Data Platform • Updated 2026

UK Housing Affordability Calculator

Cross-referencing HM Land Registry property transaction values against NHS, Education, Police, and Civil Service pay scales to calculate real-world mortgage borrowing caps and cash deposit requirements.

Calculate Affordability by Role & Region

Explore Public Sector Hubs

Dedicated sector analyses mapping standardized pay bands against regional property values.

Teachers Hub → M1–M6, U1–U3, Leadership NHS Healthcare Hub → Agenda for Change Bands 2–8 Emergency Services Hub → Police, Fire & Paramedics Armed Forces Hub → Army, Navy & RAF Ranks

Special Data Reports

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Index Report

UK Affordability Rankings & Multipliers

Top 10 highest & lowest salary-to-price ratio markets.

Key Worker Analysis

The Public Sector Housing Gap

Mapping 'Housing Deserts' where shortfalls exceed £200k.

First-Time Buyers

First-Time Buyer 5% Deposit Index

Exact 5% cash deposit required for starter homes by region.

Dual Income Analysis

Single vs. Joint Income Thresholds

How dual earners (£68k) transform property access.

Data Integrity & Methodology

Affordability calculations are evaluated using standard UK mortgage underwriting criteria (4.5x gross annual base salary multiplier). Property valuation baselines are compiled monthly from HM Land Registry price paid transaction datasets across Terraced, Flat, Semi-Detached, and Detached residential dwellings. Public sector salary figures reflect published 2026 spine points from the Department for Education (STPCD), NHS Employers (Agenda for Change), and the Office for National Statistics (ONS ASHE).