在地铁站一公里内买one bed flat贷款需要多少年收入?这张地铁图有答案。

在地铁站一公里内买one bed flat贷款需要多少年收入?这张地铁图有答案。
https://www.totallymoney.com/assets/images/mortgages/totallymoney-tube-salary-infographic.pdf

最便宜十个地铁站

最贵十个地铁站

地铁线平均房价


Buying in London? Here’s what you need to earn

https://www.totallymoney.com/mortgages/how-much-salary-buy-london/
We’ve created a map to show how much you need to earn to get a mortgage on a home across London Underground, Overground, and DLR stations. To no one’s surprise, a lot of places are out of reach for many. But, there may be a small glimmer of hope for those determined to buy in London.

It’s not unusual for people to move outside London to find affordable homes. For many, finding the perfect commuter hotspot is essential for getting on the property ladder — and, in some cases, their only viable option.

The ardent city dwellers among you, though, might balk at the thought of leaving the capital, desperate to make London your forever home. But, how realistic is it to spend the rest of your days in the Big Smoke?

The numbers bit

We’ve been crunching a lot of numbers behind the scenes to give you the figures on our Tube map. So, how did we work it out?

We took the median house price of one-bedroom properties currently available within one kilometre of each station, and assumed a deposit of 10%. Then, we worked out the monthly repayment on the mortgage you’d need over 25 years. Of your total net earnings, 40% would go on the mortgage repayment. This is because tenants in London spend nearly 49% of their income on rent.

We then worked backwards to calculate how much tax and national insurance you’d pay — considering all tax bands — to arrive at the gross salary you’d need to afford a mortgage on a property in that area.

Simple, right?

The 10 least-expensive stations

If you’re determined to buy in London, you need to head east for the most affordable areas: eight out of the 10 cheapest places are in east London, with stations on either the District or Central line.

Redbridge and Newbury Park take joint first place. Here, you need a salary of £17,400 to get on the property ladder, and since the average UK wage is £22,400, these locations are certainly an attainable option for many. The median price of a one-bedroom flat here is £135,000.

If east London doesn’t take your fancy, your only other options are one location in north London, and one location in north west London: Oakwood on the Piccadilly line, which takes third place, and Croxley on the Metropolitan line, which takes fifth.

The median house prices here are £137,000 and £185,000 respectively, and need salaries of £17,600 and £25,500.

Line Station Salary Property Value Area
Central Newbury Park £17,400 £135,000 East
Central Redbridge £17,400 £135,000 East
Piccadilly Oakwood £17,600 £137,000 North
District Upney £22,300 £165,000 East
Metropolitan Croxley £25,500 £185,000 North west
Central Chigwell £26,400 £190,000 East
District Hornchurch £26,400 £190,000 East
Central Wanstead £27,300 £195,000 East
District Dagenham East £27,300 £195,000 East
District Dagenham Heathway £28,000 £200,000 East

Keep in mind that although the two cheapest areas have direct links to central London, residents of Redbridge and Newbury Park still have to travel for approximately 29 and 34 minutes on the Central Line to get there.

If your heart isn’t truly set on buying in London, you might benefit elsewhere. For example, Waltham Cross, Cheshunt, and Gravesend — all locations outside of the capital — have shorter journey times into central London.

The 10 most-expensive stations

No prizes if you guessed correctly that Knightsbridge on the Piccadilly line takes the top spot for most-expensive station. It lives in the Royal Borough of Kensington and Chelsea, which is one of the most affluent areas in London. To get a mortgage for a property here you need to be earning £248,600.

Following close behind is Hyde Park Corner, another Piccadilly line station, which lives in the City of Westminster. That’s the same borough as Buckingham Palace, the Houses of Parliament, and 10 Downing Street. You’ll need an annual income of £230,000 if you fancy being neighbours with the Queen and the Prime Minister.

For perspective, the Prime Minister earns approximately £150,000, meaning the leader of the United Kingdom would be priced out of living at Hyde Park Corner. In fact, the Prime Minister would be priced out of living near all of the 10 most-expensive stations. See the full list below.
Line Station Salary Property Value Area
Northern Moorgate £158,700 £838,000 Central
Circle District Cannon Street £162,300 £844,000 Central
Northern Central Bank £165,300 £861,000 Central
Central Bank £165,500 £875,000 Central
Circle District Blackfriars £168,000 £888,000 Central
Central St. Paul’s £170,900 £901,000 Central
Central Jubilee Bond Street £173,400 £913,000 Central
Circle District Mansion House £176,100 £926,000 Central
Piccadilly Hyde Park Corner £230,000 £1,180,000 Central
Piccadilly Knightsbridge £248,600 £1,267,000 Central

Average on each line

Even though there are some stations where buying a home is affordable, this is largely due to their distance from central London. Yes, that means you won’t be living somewhere with Westfield, The Shard, or Trafalgar Square on your doorstep.

The truth is, for most of the stations, you’d need a salary way above the national average to make them affordable. Many would be priced out on averages alone.

Recent data from HMRC says those with incomes over £70,000 are among the top 5% of earners. For 10 out of the 12 lines, then, you’d need to be in the top 5% to afford a home in one of these areas. See the average for each line below.

Station Salary
Bakerloo £91,620
Central £72,700
Circle £160,066
District £85,568
DLR £66,165
H & C £91,152
Jubilee £81,981
Metropolitan £70,074
Northern £84,914
Overground £64,219
Piccadilly £74,504
Victoria £94,850

So, who can afford to buy in London, then?

It’s no secret: some jobs pay better than others. So, we’ve looked at average London salaries for an array of different industries, to see what professions give buyers the most choice when it comes to finding a London home.

Nurses make just over £28,000, meaning they can only afford to live near 2% of all London Underground, Overground, and DLR stations.

Teachers earn £30,000, and would benefit most from teaching in east London. Eight out of 10 affordable locations are based there: Newbury Park, Redbridge, Upney, Chigwell, Hornchurch, Wanstead, Dagenham East, and Dagenham Heathway.

Firefighters earn nearly £31,000. They have the same options as teachers, with the added option of Becontree.

Bus Drivers earn almost £25,000. They would need to drive all the way to Upney, Oakwood, Redbridge, or Newbury Park to afford a London home.

Journalists earn about £41,500, which means they can afford to live near 15% of all London stations.

Marketing Managers make £45,000, which could get them a mortgage on a property near 22% of all stations.

Sales Assistants earn just over £16,000, pricing them out of buying a home in London entirely.

CEOs earn close to £134,000. This means they can afford the average mortgage across all stations — except for Circle line. They can afford to live by 84% of all London stations.

Chefs earn just over £20,000 — a couple of thousand shy of the average UK salary. This limits their buying potential in London to Redbridge or Newbury Park stations. Otherwise, they could spend their dough on a place in Oakwood, the penultimate stop on the Piccadilly line.

Front-End Developers earn just over £40,000, which means they can afford to live near 10% of all London Underground, Overground, and DLR stations. But, their jobs are likely to be based around Old Street, owing to its prominence of technology companies. Old Street is based on the Northern line, and only two affordable stations (Morden and High Barnet) have direct connections there.

metropolitan平均最便宜是因为线路最长,都zone 9了,黄线贵是因为整个身子在一区就把一点儿尾巴伸到二区而且还是西二区 :cn08:

为什么地铁不往南修。我们南方人等着下一代可以坐上地铁啊。

普遍伦敦东边便宜

因为伦敦城南的地质构造都是死硬的大石头…挖掘机一铲子下去,才挖出一个樱桃大小的口子。。。所以咋修地铁…修不了啊大哥:lol

我勒个擦,我把Wanstead 给看成 Hampstead了……:cn03:

没有把Uxbridge看成Knightsbridge 就行 {:5_142:}

挖不了地铁可以修轻轨啊,再说伦敦的地铁很多地段都是地上跑啊。 {:5_134:}

不太熟悉伦敦区域位置,那距离那几个著名大学最方便的是那个站?

那就是South Kensington了吧:lol

IC: South Kensington, Knightbridge

UCL: Russel Square, Euston

LSE: Holborn, Temple

KCL: Temple

东南伦敦的地质条件不适合修地铁,所以很多地方只有火车和overground, 如果算上london火车站恐怕这个list 要有变化。其实SE挺多火车站旁边也很牛的啊. 我觉得只比地铁站不是特别有意义,倒不如比travel time比如以市中心某地为原点,travel time 相同的情况下哪里便宜哪里贵。

东边没有好的学校,很多人情愿住远点儿为了孩子也愿意去。火车站周围的房价,性价比高些。虽然没有地铁这么方便,但去市中心也不远,半小时就到了,孩子可以去好的学校,sports 场地大,也没问题。

Bromley, Sutton, 附近的房价也很高啊,虽然比不上1区,但房子大,学校好,人文环境好。

Sutton在Surry,Bromley在Kent,不在伦敦啊! {:5_139:}

Bromley 在伦敦5区,如果是Bromley south 火车站,到Victoria 只要15分钟,就一站。Beckenham Junction 火车站,到Victoria 12分钟,到London Bridge 也是10几分钟。到市中心很方便的。此外还有Catford, 伦敦3区,更方便了。

每条线的均值那个数据,普遍都要求工资在70k以上,这是买one bedroom flat,还是average(如2-3 bedroom)呢?

感觉只是one bedroom flat,那意味着,如果房子住在地铁站1公里内就已经是人生赢家了

one bed room flat {:5_139:}

看了看只有ucl那个火车站附近勉强有希望,别的地方都是动辄要100多k收入买个一居室,实在可怕

谢谢啊,你倒没给我推荐骑士桥 {:5_139:}
看来无论如何也不能上IC了