UK house prices for typical first-time buyers relative to earnings dropped last year to the lowest ratio in more than a decade, in a welcome boost for those saving to get on the property ladder, according to data by the lender Nationwide.
The ratio between average house prices for first-time buyers and average full-time workers’ earnings fell to 4.7 in the last three months of 2025, improving from 4.8 in the previous two quarters and well below its peak of 5.8 in 2022, the report published on Tuesday shows.
This also marked the first time the ratio dropped below the 20-year average of 4.9 since the end of 2014.
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