What can you afford in Lincoln?
1,050 homes changed hands in Lincoln over the last 12 months (Jul 2025 – Jun 2026). Half sold for £190,000 or less, a quarter for under £151,613, and three quarters for under £245,000. Buying the median home with a 10% deposit needs roughly a £38,000 salary at the typical 4.5× lending multiple , see what £38,000 takes home.
Affordability in one number: the median home here sold for 5.5× the local median full-time salary of £34,301 (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 · Lincoln
£190,000
median sold price, Jul 2025 – Jun 2026
- A quarter under
- £151,613
- Three quarters under
- £245,000
- Sales
- 1,050
- HPI average
- £186,722
What each salary reaches here
Budget = 4.5× salary with a 10% deposit, against the 1,050 actual sales.
| Salary | Budget | Share of sales in reach |
|---|---|---|
| £25,000 | £125,000 | 13.2% |
| £35,000 | £175,000 | 40% |
| £50,000 | £250,000 | 76.7% |
| £75,000 | £375,000 | 94% |
| £100,000 | £500,000 | 95.4% |
By property type · median sold price
And the salary that price implies, at 4.5× with 10% down.
| Type | Median · sales | Salary needed |
|---|---|---|
| Flat | £119,000 · 100 | ≈£23,800 |
| Terraced house | £165,000 · 400 | ≈£33,000 |
| Semi-detached house | £200,000 · 332 | ≈£40,000 |
| Detached house | £288,250 · 218 | ≈£57,650 |
For context, the UK House Price Index puts Lincoln average prices up 0.4% over 12 months.
Nearby in the index
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.