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About & methodology

ARMSTONE

England Housing Intelligence is a refreshable, local-authority-level view of where housing need is most acute across England — and, alongside it, where the underlying market is growing and what it yields. It is built entirely on public data and is designed to be re-run as new official statistics are released.

It is modelled on, and intended to echo, the Affordability Study — Identifying places with greatest housing need published by Thriving Investments and Dataloft by PriceHubble in June 2024. Where that study used proprietary rental data across Great Britain, this resource reconstructs the same analytical approach for England using only public sources, so the method is transparent and the results can be reproduced and refreshed.

Background & motivation

More housing is needed almost everywhere — but not equally, and not of the same kind. The places where the gap bites hardest are not always the obvious high-value markets. Our motivation, like Thriving Investments', is to look behind the headline affordability number to find where the combination of pressures is greatest, with a particular focus on the "squeezed middle" of key workers — households on or below median incomes who earn too much for social housing but too little to rent or buy comfortably where they work.

Headline affordability — the share of earnings it takes to pay the rent — is critical, but on its own it overlooks places under genuine strain. So this resource also weighs key-worker affordability, the affordability of buying, the distance between home and work, the length of waiting lists and use of temporary accommodation, and how much new housing is being delivered. The aim is not to assess development viability or specific sites, but to highlight priority areas — and, through two further lenses, where the market is growing and what it yields.

What we measure — three indices

Each authority gets three independent composite scores, deliberately kept distinct so each says something the others don't:

1 · Housing Need (headline)

An affordability-led index of housing stress, in the spirit of the Thriving/PriceHubble study. Six weighted themes:

Rental affordability — 25% Sales affordability — 15% Realised stress — 25% Demand pressure — 15% Supply & pipeline — 12% Distance to work — 8%

Rental and sales affordability are co-equal pillars — buying being out of reach matters as much as renting being unaffordable. The theme weights are adjustable live on the dashboard.

2 · Attractiveness

A forward-looking, growth-led index of investment appeal — deliberately not yield-led, so it doesn't simply duplicate the Yield index:

Demand growth — 50% Rent-growth potential — 20% Supply constraint — 15% Connectivity — 15%

"Supply constraint" rewards limited new supply (pricing power); income return is excluded here because it is published separately as the Yield index.

3 · Gross Rental Yield

A like-for-like comparator: the median advertised rent for a three-bedroom home divided by the median price of an equivalent (terraced house) property in the same authority. Reported gross and median-to-median — a market comparator, not a net return.

A fourth, optional view — "PriceHubble combined (8-theme)" — reproduces the original study's exact construction: eight equally weighted themes (scale of demand, rental pressure, theoretical renter affordability, sales affordability, real renter affordability, distance to work, demographics, housing stress). It is provided so our approach can be compared directly with the published study.

The rent–buy gap

A derived map view (under Colour map by → Derived) highlighting where it is relatively cheap to rent but expensive to buy — sales-unaffordability minus rental-unaffordability. The darkest band is where buyers are locked out while rents stay within reach: captive rental demand with capital-growth runway (a demand-quality play, which typically trades away some headline yield). Each authority's detail panel shows the two components side by side with a plain-English read of its gap.

Methodology

Key findings

These echo the central conclusions of the Thriving/PriceHubble study, reproduced on English public data:

Relationship to the original study, and limitations

This resource reproduces the approach of the Thriving/PriceHubble study and, on the headline geography, does so closely — especially in the 8-theme equal-weight view. It is not a copy of their data: they used proprietary PriceHubble rental data across Great Britain; we use only public England-only statistics. Two honest differences:

Data sources

Theme / useSource
Earnings (incl. key-worker)ONS Annual Survey of Hours and Earnings (ASHE)
Rents & rent growthONS Private Rental Market Statistics; Price Index of Private Rents (PIPR)
House prices / sales affordabilityONS House Price Statistics for Small Areas; ONS house-price-to-earnings ratios
Realised stressMHCLG live tables — social-housing waiting lists, homelessness & temporary accommodation
Supply (delivered)MHCLG net additional dwellings (Live Table 122)
Supply pipeline — delivery vs needMHCLG Housing Delivery Test (2023 measurement)
Supply pipeline — build rateMHCLG new-build completions (Live Table 253a, EPC-derived)
Population & growthONS mid-year estimates & sub-national population projections (trend-based)
Economy & connectivityNOMIS jobs density & sector mix; DfT journey-time / connectivity statistics
Tenure & demographicsCensus 2021
BoundariesONS Local Authority Districts (May 2025)

Data-quality notes: the Housing Delivery Test is published irregularly (2023 is the latest measurement) and some authorities are exempt; it can show extreme ratios where an authority's assessed requirement is very small (handled here by percentile ranking). Yield is gross, median-to-median — a comparator, not a modelled net return.

Disclaimer. This resource is for informational purposes only. It draws on third-party public data and is provided without warranty as to accuracy, completeness or fitness for any particular purpose. It is not investment, lending or other financial advice, and should not be relied upon to make any such decision.

© Armstone. Built on public ONS / MHCLG / DfT / NOMIS data. Back to the dashboard →