Map reveals how much first-time buyers need to save and earn to buy a house based on YOUR postcode
Map reveals how much first-time buyers need to save and earn to buy a house based on YOUR postcode
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FIRST-TIME buyers need an £53,000 deposit and £63,000 salary to get on the property ladder in 2025, according to new data. The exclusive data from Zoopla shows the average deposit and salary for anyone looking to get on the ladder based on their postcode.
![[Illustration of UK house prices, showing a row of houses overlaid with a map of the UK color-coded by price and pound symbols.]](https://www.thesun.co.uk/wp-content/uploads/2025/01/KH_29_01_HOUSE_PRICES_COMP_5aaaf2.jpg?strip=all&w=960)
The figures are based on an average house price of £267,700 and a first-time buyer having a 20 per cent deposit. The data uses Zoopla’s house price index, which tracks achieved sales prices, and UK Finance’s average income multiple of 3.4 – which is the amount a buyer can borrow as a multiple of their annual salary.
The latest Zoopla index is from December last year, and covers the whole of the UK. The eye-watering sums of money required by first-time buyers are an increase on those produced five years ago in December 2019. Back then, the average house price stood at £220,300, with a 20 per cent deposit equating to just above £44,000.
At that time, it meant a first-time buyer would also need an average salary of at least £51,800. It may have then seemed that affordability was already stretched to breaking point, but the figures continued to increase - by around £10,000 in five years for both the average deposit and salary requirements.
This is based on the average house price for your area. The property website also revealed the ten postcode areas with the highest average deposit required by first-time buyers to get onto the property ladder. It is perhaps unsurprising that the majority in the top 10 are in London where house prices tend to be higher.
