The average city dweller in the UK will need to save up for 8 years to afford a down payment on a home and get on the property ladder. However, there is a big difference between the cities, and you’ll be able to save for a house deposit far quicker in some. We’ve calculated how long it takes to save up for a house deposit in 56 cities across the UK – check out our calculator and interactive map to find out more.
Saving for a deposit in London would take 6 years and 8 months longer than in Birmingham.
| Time to save in Birmingham | 7 years, 5 months |
|---|---|
| Time to save in London | 13 years, 1 months |
| Average 15% deposit in Birmingham | £31,766 |
| Average 15% deposit in London | £72,131 |
| City | Average house price | 15% deposit | Monthly salary after tax | 15% saved per month | Time taken to save for a deposit |
|---|---|---|---|---|---|
| Aberdeen | £134,033 | £20,105 | £2,720 | £408 | 3 years and 11 months |
| Bath | £397,827 | £59,674 | £2,367 | £355 | 12 years and 1 months |
| Belfast | £170,440 | £25,566 | £2,253 | £338 | 5 years and 11 months |
| Birmingham | £235,602 | £35,340 | £2,427 | £364 | 7 years and 5 months |
| Bradford | £183,382 | £27,507 | £2,148 | £322 | 6 years and 7 months |
| Brighton | £428,112 | £64,217 | £2,398 | £360 | 12 years and 9 months |
| Bristol | £366,951 | £55,043 | £2,546 | £382 | 10 years and 7 months |
| Cambridge | £506,724 | £76,009 | £2,765 | £415 | 13 years and 0 months |
| Canterbury | £348,915 | £52,337 | £2,323 | £348 | 11 years and 0 months |
| Cardiff | £273,464 | £41,020 | £2,357 | £354 | 8 years and 9 months |
| Carlisle | £167,507 | £25,126 | £2,423 | £363 | 5 years and 5 months |
| Chelmsford | £378,007 | £56,701 | £2,528 | £379 | 10 years and 11 months |
| Chester | £267,234 | £40,085 | £2,394 | £359 | 8 years and 5 months |
| Colchester | £303,709 | £45,556 | £2,427 | £364 | 9 years and 4 months |
| Coventry | £227,329 | £34,099 | £2,432 | £365 | 7 years and 2 months |
| Derby | £205,905 | £30,886 | £2,559 | £384 | 6 years and 3 months |
| Derry | £168,394 | £25,259 | £2,253 | £338 | 5 years and 10 months |
| Doncaster | £169,116 | £25,367 | £2,149 | £322 | 6 years and 2 months |
| Dundee | £134,380 | £20,157 | £2,293 | £344 | 4 years and 8 months |
| Dunfermline | £169,715 | £25,457 | £2,313 | £347 | 5 years and 9 months |
| Durham | £137,817 | £20,673 | £2,081 | £312 | 5 years and 3 months |
| Edinburgh | £288,354 | £43,253 | £2,663 | £400 | 8 years and 2 months |
| Exeter | £297,592 | £44,639 | £2,265 | £340 | 9 years and 9 months |
| Glasgow | £186,282 | £27,942 | £2,550 | £382 | 5 years and 9 months |
| Gloucester | £234,500 | £35,175 | £2,254 | £338 | 7 years and 11 months |
| Hereford | £287,966 | £43,195 | £2,143 | £321 | 9 years and 11 months |
| Hull | £131,009 | £19,651 | £2,176 | £326 | 4 years and 9 months |
| Lancaster | £192,080 | £28,812 | £2,197 | £330 | 6 years and 9 months |
| Leeds | £244,612 | £36,692 | £2,382 | £357 | 7 years and 10 months |
| Leicester | £228,121 | £34,218 | £2,115 | £317 | 8 years and 2 months |
| Lincoln | £183,213 | £27,482 | £2,259 | £339 | 6 years and 4 months |
| Liverpool | £180,278 | £27,042 | £2,377 | £357 | 5 years and 11 months |
| London | £552,073 | £82,811 | £2,998 | £450 | 13 years and 1 months |
| Manchester | £246,630 | £36,995 | £2,412 | £362 | 7 years and 9 months |
| Milton Keynes | £343,498 | £51,525 | £2,629 | £394 | 9 years and 8 months |
| Newcastle | £211,160 | £31,674 | £2,296 | £344 | 7 years and 1 months |
| Newport | £222,949 | £33,442 | £2,190 | £329 | 7 years and 9 months |
| Norwich | £234,753 | £35,213 | £2,272 | £341 | 7 years and 10 months |
| Nottingham | £194,654 | £29,198 | £2,179 | £327 | 6 years and 11 months |
| Oxford | £479,166 | £71,875 | £2,639 | £396 | 12 years and 11 months |
| Peterborough | £231,927 | £34,789 | £2,237 | £336 | 7 years and 10 months |
| Plymouth | £215,455 | £32,318 | £2,320 | £348 | 7 years and 2 months |
| Portsmouth | £252,285 | £37,843 | £2,500 | £375 | 7 years and 8 months |
| Preston | £180,298 | £27,045 | £2,252 | £338 | 6 years and 3 months |
| Salford | £217,456 | £32,618 | £2,431 | £365 | 6 years and 11 months |
| Sheffield | £221,638 | £33,246 | £2,368 | £355 | 7 years and 2 months |
| Southampton | £235,226 | £35,284 | £2,402 | £360 | 7 years and 6 months |
| Southend | £326,777 | £49,017 | £2,098 | £315 | 11 years and 4 months |
| St Albans | £627,342 | £94,101 | £2,582 | £387 | 16 years and 6 months |
| Stoke on Trent | £147,350 | £22,103 | £2,166 | £325 | 5 years and 4 months |
| Sunderland | £144,169 | £21,625 | £2,170 | £325 | 5 years and 3 months |
| Swansea | £203,678 | £30,552 | £2,279 | £342 | 6 years and 11 months |
| Wakefield | £193,688 | £29,053 | £2,231 | £335 | 6 years and 8 months |
| Wolverhampton | £208,194 | £31,229 | £2,273 | £341 | 7 years and 1 months |
| Worcester | £243,964 | £36,595 | £2,347 | £352 | 7 years and 11 months |
| York | £305,184 | £45,778 | £2,393 | £359 | 9 years and 6 months |
Sophie Barber
Communications Manager
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