At a 15% deposit and 10% savings rate, England implies 11.5 years of saving.
First-home deposit years are measured for England and Wales using a 15% deposit assumption and a 10% annual saving-rate assumption. The data shows England at 11.5 years of saving and Wales at 8.9 years under the same rule. England’s implied deposit is £45.0k, compared with £32.0k for Wales. The result is a MarketStats affordability denominator based on ONS house prices and earnings, not an official ONS deposit-years measure.
Source 1: Office for National Statistics
Publisher: Office for National Statistics
Dataset/table: Median house prices and workplace-based earnings
Units: Pounds and ratios
Date checked: 2026-05-17
Evidence: Reports England and Wales 2025 median house prices and median annual earnings used in the calculation.
This is a transparent affordability measure, not an ONS official deposit metric. Default headline uses a 15% deposit and 10% annual saving rate.
Use ONS 2025 median house prices and median full-time workplace earnings. Deposit years = house price × deposit share ÷ (annual earnings × assumed annual saving rate).
House prices and earnings come from the same ONS release; the deposit and savings-rate assumptions are MarketStats calculations.
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