23 datasets found
  1. House price to residence-based earnings ratio

    • ons.gov.uk
    • cy.ons.gov.uk
    • +1more
    xlsx
    Updated Mar 24, 2025
    + more versions
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    Office for National Statistics (2025). House price to residence-based earnings ratio [Dataset]. https://www.ons.gov.uk/peoplepopulationandcommunity/housing/datasets/ratioofhousepricetoresidencebasedearningslowerquartileandmedian
    Explore at:
    xlsxAvailable download formats
    Dataset updated
    Mar 24, 2025
    Dataset provided by
    Office for National Statisticshttp://www.ons.gov.uk/
    License

    Open Government Licence 3.0http://www.nationalarchives.gov.uk/doc/open-government-licence/version/3/
    License information was derived automatically

    Description

    Affordability ratios calculated by dividing house prices by gross annual residence-based earnings. Based on the median and lower quartiles of both house prices and earnings in England and Wales.

  2. House-price-to-income ratio in selected countries worldwide 2024

    • statista.com
    • ai-chatbox.pro
    Updated May 6, 2025
    + more versions
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    Statista (2025). House-price-to-income ratio in selected countries worldwide 2024 [Dataset]. https://www.statista.com/statistics/237529/price-to-income-ratio-of-housing-worldwide/
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    Dataset updated
    May 6, 2025
    Dataset authored and provided by
    Statistahttp://statista.com/
    Time period covered
    2024
    Area covered
    Worldwide
    Description

    Portugal, Canada, and the United States were the countries with the highest house price to income ratio in 2024. In all three countries, the index exceeded 130 index points, while the average for all OECD countries stood at 116.2 index points. The index measures the development of housing affordability and is calculated by dividing nominal house price by nominal disposable income per head, with 2015 set as a base year when the index amounted to 100. An index value of 120, for example, would mean that house price growth has outpaced income growth by 20 percent since 2015. How have house prices worldwide changed since the COVID-19 pandemic? House prices started to rise gradually after the global financial crisis (2007–2008), but this trend accelerated with the pandemic. The countries with advanced economies, which usually have mature housing markets, experienced stronger growth than countries with emerging economies. Real house price growth (accounting for inflation) peaked in 2022 and has since lost some of the gain. Although, many countries experienced a decline in house prices, the global house price index shows that property prices in 2023 were still substantially higher than before COVID-19. Renting vs. buying In the past, house prices have grown faster than rents. However, the home affordability has been declining notably, with a direct impact on rental prices. As people struggle to buy a property of their own, they often turn to rental accommodation. This has resulted in a growing demand for rental apartments and soaring rental prices.

  3. House price to workplace-based earnings ratio

    • ons.gov.uk
    • cy.ons.gov.uk
    xlsx
    Updated Mar 24, 2025
    + more versions
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    Office for National Statistics (2025). House price to workplace-based earnings ratio [Dataset]. https://www.ons.gov.uk/peoplepopulationandcommunity/housing/datasets/ratioofhousepricetoworkplacebasedearningslowerquartileandmedian
    Explore at:
    xlsxAvailable download formats
    Dataset updated
    Mar 24, 2025
    Dataset provided by
    Office for National Statisticshttp://www.ons.gov.uk/
    License

    Open Government Licence 3.0http://www.nationalarchives.gov.uk/doc/open-government-licence/version/3/
    License information was derived automatically

    Description

    Affordability ratios calculated by dividing house prices by gross annual workplace-based earnings. Based on the median and lower quartiles of both house prices and earnings in England and Wales.

  4. T

    United States Price to Rent Ratio

    • tradingeconomics.com
    • ko.tradingeconomics.com
    • +14more
    csv, excel, json, xml
    Updated May 15, 2025
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    TRADING ECONOMICS (2025). United States Price to Rent Ratio [Dataset]. https://tradingeconomics.com/united-states/price-to-rent-ratio
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    xml, json, excel, csvAvailable download formats
    Dataset updated
    May 15, 2025
    Dataset authored and provided by
    TRADING ECONOMICS
    License

    Attribution 4.0 (CC BY 4.0)https://creativecommons.org/licenses/by/4.0/
    License information was derived automatically

    Time period covered
    Mar 31, 1970 - Dec 31, 2024
    Area covered
    United States
    Description

    Price to Rent Ratio in the United States increased to 134.44 in the fourth quarter of 2024 from 133.75 in the third quarter of 2024. This dataset includes a chart with historical data for the United States Price to Rent Ratio.

  5. Negative Equity in U.S. Housing Market

    • kaggle.com
    Updated Jan 10, 2023
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    The Devastator (2023). Negative Equity in U.S. Housing Market [Dataset]. https://www.kaggle.com/datasets/thedevastator/negative-equity-in-u-s-housing-market-2017-summa/discussion
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    CroissantCroissant is a format for machine-learning datasets. Learn more about this at mlcommons.org/croissant.
    Dataset updated
    Jan 10, 2023
    Dataset provided by
    Kagglehttp://kaggle.com/
    Authors
    The Devastator
    Description

    Negative Equity in U.S. Housing Market

    Measuring Home Values, Debt, and Credit Risk

    By Zillow Data [source]

    About this dataset

    This dataset, Negative Equity in the US Housing Market, provides an in-depth look into the negative equity occurring across the United States during this single quarter. Included are metrics such as total amount of negative equity in millions of dollars, total number of homes in negative equity, percentage of homes with mortgages that are in negative equity and more. These data points provide helpful insights into both regional and national trends regarding the prevalence and rate of home mortgage delinquency stemming from a diminishment of value from peak levels.

    Home types available for analysis include 'all homes', condos/co-ops, multifamily units containing five or more housing units as well as duplexes/triplexes. Additionally, Cash buyers rates for particular areas can also be determined by referencing this collection. Further metrics such as mortgage affordability rates and impacts on overall indebtedness are readily calculated using information related to Zillow's Home Value Index (ZHVI) forecast methodology and TransUnion data respectively.

    Other variables featured within this dataset include characteristics like region type (i.e city, county ..etc), size rank based on population values , percentage change in ZHVI since peak levels as well as loan-to-value ratio greater than 200 across all regions constituted herein (NE). Moreover Zillow's own Secondary Mortgage Market Survey data is utilized to acquire average mortgage quote rates while correlative Census Bureau NCHS median household income figures represent typical assessable proportions between wages and debt obligations . So whether you're looking to assess effects along metro lines or detailed buffering through zip codes , this database should prove sufficient for insightful explorations! Nonetheless users must strictly adhere to all conditions encompassed within Terms Of Use commitments put forth by our lead provider before accessing any resources included herewith

    More Datasets

    For more datasets, click here.

    Featured Notebooks

    • 🚨 Your notebook can be here! 🚨!

    Research Ideas

    • Analyzing regional and state trends in negative equity: Analyze geographic differences in the percentage of mortgages “underwater”, total amount of negative equity, number of homes at least 90 days late, and other key indicators to provide insight into the factors influencing negative equity across regions, states and cities.
    • Tracking the recovery rate over time: Track short-term changes in numbers related to negative equity (e.g., region or area ZHVI Change from Peak) to monitor recovery rates over time as well as how different policy interventions are affecting homeownership levels in affected areas.
    • Exploring best practices for promoting housing affordability: Compare affordability metrics (e.g., mortgage payments, price-to-income ratios) across different geographic locations over time to identify best practices for empowering homeowners and promoting stability within the housing market while reducing local inequality impacts related to availability of affordable housing options and access to credit markets like mortgages/loans etc

    Acknowledgements

    If you use this dataset in your research, please credit the original authors. Data Source

    License

    See the dataset description for more information.

    Columns

    File: NESummary_2017Q1_Public.csv | Column name | Description | |:------------------------------------------------|:-----------------------------------------------------------------------------------------------------------------------------------| | RegionType | The type of region (e.g., city, county, metro etc.) (String) | | City | Name of the city (String) | | County | Name of the county (String) | | State | Name of the state (String) | | Metro ...

  6. Price-to-rent ratio in selected countries worldwide 2024

    • statista.com
    Updated Jan 28, 2025
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    Statista (2025). Price-to-rent ratio in selected countries worldwide 2024 [Dataset]. https://www.statista.com/statistics/458543/price-to-income-ratio-of-housing-worldwide/
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    Dataset updated
    Jan 28, 2025
    Dataset authored and provided by
    Statistahttp://statista.com/
    Area covered
    World
    Description

    Turkey, Russia, Portugal, and Latvia were the countries with the highest house price-to-rent-ratio in the ranking in the second quarter of 2024. In all three countries, the ratio exceeded 160 index points, meaning that house price growth had outpaced rents by over 60 percent between 2015 and 2024. What does the house-price-to-rent ratio show? The house-price-to-rent-ratio measures the evolution of house prices compared to rents. It is generally calculated by dividing the median house price by the median annual rent. In this statistic, the values have been normalized with 100 equaling the 2015 ratio. Consequentially, a value under 100 means that rental rates have risen more than house prices. When all OECD countries are considered as a whole, the gap between house prices and rents was wider than in the Euro area. Measures of housing affordability The national house-price-to-rent ratio may not fully reflect the cost of housing in a particular country, as it does not capture the price variations that can exist between different regions. It also does not take into consideration the relationship between incomes and housing costs, which is measured by the house-price-to-income and household-rent-to-income ratios. Taking both these factors into account uncovers vast differences in housing affordability between different regions and different professions.

  7. Israel IL: Price to Income Ratio: sa

    • ceicdata.com
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    CEICdata.com, Israel IL: Price to Income Ratio: sa [Dataset]. https://www.ceicdata.com/en/israel/house-price-index-seasonally-adjusted-oecd-member-annual/il-price-to-income-ratio-sa
    Explore at:
    Dataset provided by
    CEIC Data
    License

    Attribution 4.0 (CC BY 4.0)https://creativecommons.org/licenses/by/4.0/
    License information was derived automatically

    Time period covered
    Dec 1, 2005 - Dec 1, 2016
    Area covered
    Israel
    Description

    Israel IL: Price to Income Ratio: sa data was reported at 104.421 2015=100 in 2016. This records an increase from the previous number of 100.000 2015=100 for 2015. Israel IL: Price to Income Ratio: sa data is updated yearly, averaging 91.925 2015=100 from Dec 1995 (Median) to 2016, with 22 observations. The data reached an all-time high of 109.755 2015=100 in 1997 and a record low of 70.115 2015=100 in 2007. Israel IL: Price to Income Ratio: sa data remains active status in CEIC and is reported by Organisation for Economic Co-operation and Development. The data is categorized under Global Database’s Israel – Table IL.OECD.AHPI: House Price Index: Seasonally Adjusted: OECD Member: Annual. Nominal house prices divided by nominal disposable income per head. Net household disposable income is used. The population data come from the OECD national accounts database.

  8. Residential property buyers: Demographic data, first-time home buyer status,...

    • www150.statcan.gc.ca
    • open.canada.ca
    Updated Dec 9, 2024
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    Government of Canada, Statistics Canada (2024). Residential property buyers: Demographic data, first-time home buyer status, and price-to-income ratio [Dataset]. http://doi.org/10.25318/4610006201-eng
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    Dataset updated
    Dec 9, 2024
    Dataset provided by
    Statistics Canadahttps://statcan.gc.ca/en
    Area covered
    Canada
    Description

    Data on resident buyers who are persons that purchased a residential property in a market sale and filed their T1 tax return form: number of and incomes of residential property buyers, sale price, price-to-income ratio by the number of buyers as part of a sale, age groups, first-time home buyer status, buyer characteristics (sex, family type, immigration status, period of immigration, admission category).

  9. South Korea KR: Price to Income Ratio: sa

    • ceicdata.com
    Updated Feb 15, 2025
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    CEICdata.com (2025). South Korea KR: Price to Income Ratio: sa [Dataset]. https://www.ceicdata.com/en/korea/house-price-index-seasonally-adjusted-oecd-member-annual/kr-price-to-income-ratio-sa
    Explore at:
    Dataset updated
    Feb 15, 2025
    Dataset provided by
    CEIC Data
    License

    Attribution 4.0 (CC BY 4.0)https://creativecommons.org/licenses/by/4.0/
    License information was derived automatically

    Time period covered
    Dec 1, 2013 - Dec 1, 2024
    Area covered
    South Korea
    Description

    South Korea Price to Income Ratio: sa data was reported at 83.566 2015=100 in 2024. This records a decrease from the previous number of 84.915 2015=100 for 2023. South Korea Price to Income Ratio: sa data is updated yearly, averaging 118.198 2015=100 from Dec 1986 (Median) to 2024, with 39 observations. The data reached an all-time high of 409.198 2015=100 in 1986 and a record low of 83.566 2015=100 in 2024. South Korea Price to Income Ratio: sa data remains active status in CEIC and is reported by Organisation for Economic Co-operation and Development. The data is categorized under Global Database’s South Korea – Table KR.OECD.AHPI: House Price Index: Seasonally Adjusted: OECD Member: Annual. Nominal house prices divided by nominal disposable income per head. Net household disposable income is used. The population data come from the OECD national accounts database.

  10. New Zealand NZ: Price to Income Ratio: sa

    • ceicdata.com
    Updated Jan 15, 2025
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    CEICdata.com (2025). New Zealand NZ: Price to Income Ratio: sa [Dataset]. https://www.ceicdata.com/en/new-zealand/house-price-index-seasonally-adjusted-oecd-member-quarterly/nz-price-to-income-ratio-sa
    Explore at:
    Dataset updated
    Jan 15, 2025
    Dataset provided by
    CEIC Data
    License

    Attribution 4.0 (CC BY 4.0)https://creativecommons.org/licenses/by/4.0/
    License information was derived automatically

    Time period covered
    Sep 1, 2021 - Jun 1, 2024
    Area covered
    New Zealand
    Description

    New Zealand NZ: Price to Income Ratio: sa data was reported at 117.981 2015=100 in Sep 2024. This records a decrease from the previous number of 120.692 2015=100 for Jun 2024. New Zealand NZ: Price to Income Ratio: sa data is updated quarterly, averaging 79.512 2015=100 from Mar 1986 (Median) to Sep 2024, with 155 observations. The data reached an all-time high of 143.218 2015=100 in Dec 2021 and a record low of 46.765 2015=100 in Mar 1987. New Zealand NZ: Price to Income Ratio: sa data remains active status in CEIC and is reported by Organisation for Economic Co-operation and Development. The data is categorized under Global Database’s New Zealand – Table NZ.OECD.AHPI: House Price Index: Seasonally Adjusted: OECD Member: Quarterly. Nominal house prices divided by nominal disposable income per head. Net household disposable income is used. The population data come from the OECD national accounts database.

  11. T

    Spain House Prices

    • tradingeconomics.com
    • ar.tradingeconomics.com
    • +13more
    csv, excel, json, xml
    Updated Mar 4, 2025
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    TRADING ECONOMICS (2025). Spain House Prices [Dataset]. https://tradingeconomics.com/spain/housing-index
    Explore at:
    excel, xml, json, csvAvailable download formats
    Dataset updated
    Mar 4, 2025
    Dataset authored and provided by
    TRADING ECONOMICS
    License

    Attribution 4.0 (CC BY 4.0)https://creativecommons.org/licenses/by/4.0/
    License information was derived automatically

    Time period covered
    Mar 31, 1987 - Dec 31, 2024
    Area covered
    Spain
    Description

    Housing Index in Spain increased to 1972.10 EUR/SQ. METRE in the fourth quarter of 2024 from 1921 EUR/SQ. METRE in the third quarter of 2024. This dataset provides the latest reported value for - Spain House Prices - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

  12. T

    South Korea House Price Index

    • tradingeconomics.com
    • it.tradingeconomics.com
    • +14more
    csv, excel, json, xml
    Updated Apr 15, 2025
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    TRADING ECONOMICS (2025). South Korea House Price Index [Dataset]. https://tradingeconomics.com/south-korea/housing-index
    Explore at:
    xml, csv, excel, jsonAvailable download formats
    Dataset updated
    Apr 15, 2025
    Dataset authored and provided by
    TRADING ECONOMICS
    License

    Attribution 4.0 (CC BY 4.0)https://creativecommons.org/licenses/by/4.0/
    License information was derived automatically

    Time period covered
    Jan 31, 1986 - Apr 30, 2025
    Area covered
    South Korea
    Description

    Housing Index in South Korea remained unchanged at 93 points in April. This dataset provides - South Korea House Price Index - actual values, historical data, forecast, chart, statistics, economic calendar and news.

  13. South Africa ZA: Price to Income Ratio: sa

    • ceicdata.com
    Updated Jan 15, 2025
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    CEICdata.com (2025). South Africa ZA: Price to Income Ratio: sa [Dataset]. https://www.ceicdata.com/en/south-africa/house-price-index-seasonally-adjusted-non-oecd-member-annual/za-price-to-income-ratio-sa
    Explore at:
    Dataset updated
    Jan 15, 2025
    Dataset provided by
    CEIC Data
    License

    Attribution 4.0 (CC BY 4.0)https://creativecommons.org/licenses/by/4.0/
    License information was derived automatically

    Time period covered
    Dec 1, 2012 - Dec 1, 2023
    Area covered
    South Africa
    Description

    South Africa ZA: Price to Income Ratio: sa data was reported at 90.320 2015=100 in 2024. This records a decrease from the previous number of 92.422 2015=100 for 2023. South Africa ZA: Price to Income Ratio: sa data is updated yearly, averaging 98.221 2015=100 from Dec 1995 (Median) to 2024, with 30 observations. The data reached an all-time high of 132.663 2015=100 in 2007 and a record low of 71.323 2015=100 in 1997. South Africa ZA: Price to Income Ratio: sa data remains active status in CEIC and is reported by Organisation for Economic Co-operation and Development. The data is categorized under Global Database’s South Africa – Table ZA.OECD.AHPI: House Price Index: Seasonally Adjusted: Non OECD Member: Annual. Nominal house prices divided by nominal disposable income per head. Net household disposable income is used. The population data come from the OECD national accounts database.

  14. T

    Iceland Price to Rent Ratio

    • tradingeconomics.com
    • fr.tradingeconomics.com
    • +10more
    csv, excel, json, xml
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    TRADING ECONOMICS, Iceland Price to Rent Ratio [Dataset]. https://tradingeconomics.com/iceland/price-to-rent-ratio
    Explore at:
    csv, excel, json, xmlAvailable download formats
    Dataset authored and provided by
    TRADING ECONOMICS
    License

    Attribution 4.0 (CC BY 4.0)https://creativecommons.org/licenses/by/4.0/
    License information was derived automatically

    Time period covered
    Jun 30, 2000 - Mar 31, 2025
    Area covered
    Iceland
    Description

    Price to Rent Ratio in Iceland decreased to 153.90 in the first quarter of 2025 from 154.47 in the fourth quarter of 2024. This dataset includes a chart with historical data for Iceland Price to Rent Ratio.

  15. T

    Poland House Price Index

    • tradingeconomics.com
    • pl.tradingeconomics.com
    • +13more
    csv, excel, json, xml
    Updated Apr 15, 2025
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    TRADING ECONOMICS (2025). Poland House Price Index [Dataset]. https://tradingeconomics.com/poland/housing-index
    Explore at:
    csv, json, excel, xmlAvailable download formats
    Dataset updated
    Apr 15, 2025
    Dataset authored and provided by
    TRADING ECONOMICS
    License

    Attribution 4.0 (CC BY 4.0)https://creativecommons.org/licenses/by/4.0/
    License information was derived automatically

    Time period covered
    Mar 31, 2010 - Dec 31, 2024
    Area covered
    Poland
    Description

    Housing Index in Poland increased to 211.65 points in the fourth quarter of 2024 from 209.20 points in the third quarter of 2024. This dataset provides the latest reported value for - Poland Housing Index - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

  16. T

    Israel House Price Index

    • tradingeconomics.com
    • pl.tradingeconomics.com
    • +13more
    csv, excel, json, xml
    Updated Mar 1, 2025
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    TRADING ECONOMICS (2025). Israel House Price Index [Dataset]. https://tradingeconomics.com/israel/housing-index
    Explore at:
    xml, csv, json, excelAvailable download formats
    Dataset updated
    Mar 1, 2025
    Dataset authored and provided by
    TRADING ECONOMICS
    License

    Attribution 4.0 (CC BY 4.0)https://creativecommons.org/licenses/by/4.0/
    License information was derived automatically

    Time period covered
    Feb 28, 1994 - Apr 30, 2025
    Area covered
    Israel
    Description

    Housing Index in Israel increased to 611.70 points in April from 606.20 points in March of 2025. This dataset provides - Israel House Price Index - actual values, historical data, forecast, chart, statistics, economic calendar and news.

  17. T

    Czech Republic House Price Index

    • tradingeconomics.com
    • ko.tradingeconomics.com
    • +13more
    csv, excel, json, xml
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    TRADING ECONOMICS, Czech Republic House Price Index [Dataset]. https://tradingeconomics.com/czech-republic/housing-index
    Explore at:
    excel, csv, json, xmlAvailable download formats
    Dataset authored and provided by
    TRADING ECONOMICS
    License

    Attribution 4.0 (CC BY 4.0)https://creativecommons.org/licenses/by/4.0/
    License information was derived automatically

    Time period covered
    Mar 31, 2008 - Dec 31, 2024
    Area covered
    Czechia
    Description

    Housing Index in Czech Republic increased to 230.20 points in the fourth quarter of 2024 from 224.70 points in the third quarter of 2024. This dataset provides - Czech Republic House Price Index - actual values, historical data, forecast, chart, statistics, economic calendar and news.

  18. T

    Hungary House Price Index

    • tradingeconomics.com
    • tr.tradingeconomics.com
    • +13more
    csv, excel, json, xml
    Updated Mar 15, 2025
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    TRADING ECONOMICS (2025). Hungary House Price Index [Dataset]. https://tradingeconomics.com/hungary/housing-index
    Explore at:
    csv, excel, xml, jsonAvailable download formats
    Dataset updated
    Mar 15, 2025
    Dataset authored and provided by
    TRADING ECONOMICS
    License

    Attribution 4.0 (CC BY 4.0)https://creativecommons.org/licenses/by/4.0/
    License information was derived automatically

    Time period covered
    Mar 31, 2007 - Dec 31, 2024
    Area covered
    Hungary
    Description

    Housing Index in Hungary increased to 313.15 points in the fourth quarter of 2024 from 309.04 points in the third quarter of 2024. This dataset provides - Hungary House Price Index - actual values, historical data, forecast, chart, statistics, economic calendar and news.

  19. T

    France Price to Rent Ratio

    • tradingeconomics.com
    • de.tradingeconomics.com
    • +12more
    csv, excel, json, xml
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    TRADING ECONOMICS, France Price to Rent Ratio [Dataset]. https://tradingeconomics.com/france/price-to-rent-ratio
    Explore at:
    xml, json, excel, csvAvailable download formats
    Dataset authored and provided by
    TRADING ECONOMICS
    License

    Attribution 4.0 (CC BY 4.0)https://creativecommons.org/licenses/by/4.0/
    License information was derived automatically

    Time period covered
    Mar 31, 1970 - Mar 31, 2025
    Area covered
    France
    Description

    Price to Rent Ratio in France increased to 116.98 in the first quarter of 2025 from 116.69 in the fourth quarter of 2024. This dataset includes a chart with historical data for France Price to Rent Ratio.

  20. T

    Canada Residential Property Prices

    • tradingeconomics.com
    • ko.tradingeconomics.com
    • +6more
    csv, excel, json, xml
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    TRADING ECONOMICS, Canada Residential Property Prices [Dataset]. https://tradingeconomics.com/canada/residential-property-prices
    Explore at:
    csv, xml, json, excelAvailable download formats
    Dataset authored and provided by
    TRADING ECONOMICS
    License

    Attribution 4.0 (CC BY 4.0)https://creativecommons.org/licenses/by/4.0/
    License information was derived automatically

    Time period covered
    Mar 31, 1971 - Dec 31, 2024
    Area covered
    Canada
    Description

    Residential Property Prices in Canada decreased 1.58 percent in December of 2024 over the same month in the previous year. This dataset includes a chart with historical data for Canada Residential Property Prices.

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Office for National Statistics (2025). House price to residence-based earnings ratio [Dataset]. https://www.ons.gov.uk/peoplepopulationandcommunity/housing/datasets/ratioofhousepricetoresidencebasedearningslowerquartileandmedian
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House price to residence-based earnings ratio

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20 scholarly articles cite this dataset (View in Google Scholar)
xlsxAvailable download formats
Dataset updated
Mar 24, 2025
Dataset provided by
Office for National Statisticshttp://www.ons.gov.uk/
License

Open Government Licence 3.0http://www.nationalarchives.gov.uk/doc/open-government-licence/version/3/
License information was derived automatically

Description

Affordability ratios calculated by dividing house prices by gross annual residence-based earnings. Based on the median and lower quartiles of both house prices and earnings in England and Wales.

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