The Deposit Days Index
How many working days of local median gross pay equal a 10% deposit on a typical home? A lower score means a smaller price-to-pay deposit hurdle. It is a purchasing-power comparison, not actual time needed to save.
United Kingdom
- HPI home price · Aug 2026
- £273,037
- Annual gross median · 2026
- £40,911
- 10% deposit
- £27,304
- Earnings precision
- CV 0.2%
260 is a 52 × 5 convention. Pay is gross, individual and full-time; the index excludes tax, living costs and actual savings behaviour.
Largest deposit hurdles in the supported cohort
Explore a different deposit
Scenario for United Kingdom. The published Deposit Days Index remains fixed at 10%; this calculator changes only the deposit assumption.
United Kingdom: comparable April benchmarks
April HPI prices matched to the same year’s ASHE residence earnings. This annual comparison differs from the latest monthly score. Missing or suppressed earnings remain missing.
Read the index correctly
110 of 111 county/upper-tier comparators have a usable price and earnings match. A missing earnings median is not replaced by a regional average.
The index uses the all-property HPI average, not the median transaction price. Annual earnings can be revised and have sample uncertainty. National scores use official national inputs rather than averaging local scores.
Two earners, debt, rent, childcare and tax change a household’s actual position. deposit days should not be read as a mortgage offer or a prediction of when a household can buy.