What can you afford in Birmingham?
7,219 homes changed hands in Birmingham over the last 12 months (Jul 2025 – Jun 2026). Half sold for £240,000 or less, a quarter for under £188,000, and three quarters for under £319,250. Buying the median home with a 10% deposit needs roughly a £48,000 salary at the typical 4.5× lending multiple , see what £48,000 takes home.
Affordability in one number: the median home here sold for 6.7× the local median full-time salary of £35,989 (ONS ASHE 2025). A typical lender stretches to about 4.5× one income plus your deposit, which is why the deposit and second incomes decide so much here.
Sold prices · Birmingham
£240,000
median sold price, Jul 2025 – Jun 2026
- A quarter under
- £188,000
- Three quarters under
- £319,250
- Sales
- 7,219
- HPI average
- £232,657
What each salary reaches here
Budget = 4.5× salary with a 10% deposit, against the 7,219 actual sales.
| Salary | Budget | Share of sales in reach |
|---|---|---|
| £25,000 | £125,000 | 8% |
| £35,000 | £175,000 | 20% |
| £50,000 | £250,000 | 55% |
| £75,000 | £375,000 | 83.1% |
| £100,000 | £500,000 | 92% |
By property type · median sold price
And the salary that price implies, at 4.5× with 10% down.
| Type | Median · sales | Salary needed |
|---|---|---|
| Flat | £145,000 · 1,160 | ≈£29,000 |
| Terraced house | £220,000 · 2,583 | ≈£44,000 |
| Semi-detached house | £262,000 · 2,638 | ≈£52,400 |
| Detached house | £460,000 · 838 | ≈£92,000 |
For context, the UK House Price Index puts Birmingham average prices down 0.3% over 12 months.
Nearby in the index
- Basingstoke and Deane
- Bassetlaw
- Bath and North East Somerset
- Bedford
- Bexley
- Blaby
- Blackburn with Darwen
- Blackpool
- Blaenau Gwent
- Bolsover
Sold prices: HM Land Registry Price Paid Data (standard residential sales), Jul 2025 – Jun 2026, standard residential sales, England & Wales. Averages: UK House Price Index (HM Land Registry / ONS). Lending estimates use a typical 4.5× single-income multiple and are not a mortgage offer or financial advice.