GeraCash / Mortgage affordability / Brighton and Hove
Mortgage Affordability in Brighton and Hove
GMAR 2.69 · Average price £406,137 · Median income £33,506/year · Affordable
How affordable is buying a home in Brighton and Hove in 2026?
The Gera Mortgage Affordability Ratio (GMAR) for Brighton and Hove is 2.69 as of April 2026: average (mean) house price £406,137 (HM Land Registry, April 2026) against median income £33,506 (ONS ASHE, April 2025). An illustrative monthly repayment at BoE Bank Rate 3.75% (June 2026, 75% LTV, 25 years) is £1,566/month — contextual only, not a lender product. Affordability: Affordable. Sources: HM Land Registry + ONS + Bank of England (OGL v3.0).
Affordability data — Brighton and Hove (2026)
| Metric | Value | Source |
|---|---|---|
| Average (mean) house price | £406,137 | HM Land Registry HPI, April 2026 |
| First-time buyer average price | £342,576 | HM Land Registry HPI, April 2026 |
| Annual price change (Apr 2025–Apr 2026) | -0.9% | HM Land Registry HPI |
| Median gross annual pay | £33,506 | ONS ASHE Table 8.7a, April 2025 |
| Median monthly income | £2,792 | ONS ASHE (÷12) |
| Gera GMAR (at 4.5× illustrative multiple) | 2.69 | Gera (computed from HPI + ASHE) |
| Affordability category | Affordable | Gera GMAR scale |
| Illustrative monthly repayment (75% LTV, BoE rate 3.75%, 25yr) | £1,566/month | Gera (illustrative — NOT a lender rate) |
| Repayment-to-income ratio (illustrative) | 56.1% | Gera (illustrative) |
Illustrative monthly repayment by deposit size — Brighton and Hove
Based on average price £406,137, BoE Bank Rate 3.75%,25-year capital repayment term. Illustrative only — not a lender's rate.
| Deposit | Loan amount | Illustrative monthly repayment* |
|---|---|---|
| 5% (£20,307) | £385,830 | £1,984/mo |
| 10% (£40,614) | £365,523 | £1,879/mo |
| 15% (£60,921) | £345,216 | £1,775/mo |
| 20% (£81,227) | £324,910 | £1,670/mo |
| 25% (£101,534) | £304,603 | £1,566/mo |
| 30% (£121,841) | £284,296 | £1,462/mo |
| 40% (£162,455) | £243,682 | £1,253/mo |
* Capital + interest at BoE Bank Rate 3.75% (June 2026 MPC, open reference only). Not a mortgage offer. Not a lender-specific rate.
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Mortgage affordability in Brighton and Hove: frequently asked questions
- How affordable is buying a home in Brighton and Hove in 2026?
- The Gera Mortgage Affordability Ratio for Brighton and Hove is 2.69 as of April 2026. The average (mean) house price was £406,137 (HM Land Registry, April 2026) and median gross annual pay was £33,506 (ONS ASHE, April 2025). At an illustrative 4.5× income multiple, housing is within reach at a 4.5× income multiple (GMAR 2.69 ≤ 3.0). Sources: HM Land Registry + ONS (OGL v3.0).
- What is the average (mean) house price in Brighton and Hove?
- The average (mean) house price in Brighton and Hove was £406,137 in April 2026, according to HM Land Registry UK House Price Index (full file, April 2026, OGL v3.0). This covers all property types and buyer types. The first-time buyer average was £342,576. Prices changed -0.9% year-on-year (April 2025–April 2026).
- What is the average salary in Brighton and Hove?
- The median gross annual pay for all employees in Brighton and Hove was £33,506 in April 2025 (ONS Annual Survey of Hours and Earnings, ASHE Table 8.7a, 2025 provisional, place of residence, OGL v3.0).
- What would a mortgage cost in Brighton and Hove each month?
- An illustrative monthly repayment for an average-priced property in Brighton and Hove (£406,137) at 75% LTV, Bank of England Bank Rate 3.75% (June 2026 MPC decision), and a 25-year capital repayment term would be approximately £1,566/month. This is contextual ONLY — it is not a mortgage offer, not a lender's rate, and not a stress test. Actual mortgage payments depend on lender, product, deposit, and individual circumstances.
- How is the GMAR calculated for Brighton and Hove?
- GMAR = £406,137 ÷ (£33,506 × 4.5) = £406,137 ÷ £150,777 = 2.69. The 4.5× income multiple is illustrative (not a specific lender's criteria). See the full formula at https://geracash.com/methodology/gera-mortgage-affordability-ratio.
- What does the repayment-to-income ratio mean?
- The repayment-to-income ratio of 56.1% means the illustrative monthly repayment (£1,566) would represent 56.1% of the median monthly income (£2,792). Financial guidance generally suggests keeping housing costs below 30–35% of gross income, though this varies by individual circumstances. This figure is illustrative only.
Compare nearby areas by GMAR
Methodology
GMAR = HM Land Registry average price ÷ (ONS ASHE median income × 4.5). Income multiple 4.5× is illustrative (used in ONS housing affordability reports) — not a specific lender's criteria. Repayments: BoE Bank Rate 3.75% (June 2026 MPC), 75% LTV,25-year capital repayment — contextual reference only, not a commercial rate. All underlying data: OGL v3.0. Full methodology.
Contains public sector information published by HM Land Registry and licensed under the Open Government Licence v3.0. Source: HM Land Registry — UK House Price Index (full file, April 2026) (April 2026, published 18 June 2026).
Contains public sector information published by Office for National Statistics and licensed under the Open Government Licence v3.0. Source: ONS Annual Survey of Hours and Earnings (ASHE) — Table 8.7a (2025 provisional) (April 2025 (provisional), published 23 October 2025).
Contains public sector information published by Bank of England and licensed under the Open Government Licence v3.0. Source: Bank of England — Bank Rate (June 2026 MPC decision) (June 2026, published 19 June 2026).