Research by search engine Adzuna.co.uk showed that Chichester in West Sussex is the least affordable place in the UK, while Belfast and Hull are the most affordable.
The most affordable places to rent houses are Middlesbrough, Dudley and Wolverhampton, with as many as 99% of properties within the budgets of local people, it was found.
The most affordable cities for house-hunters are almost exclusively in the North, with average prices of around £125,000 in Hull, Middlesbrough and Bradford, 2.2 times an average couple's earnings.
Chichester, Oxford and Guildford were found to be the most unaffordable places in the country, while properties in Ipswich, Cambridge and Wolverhampton have become more unaffordable in the past year than in any part of the UK.
Andrew Hunter, of Adzuna, said: "With rates of pay falling and property prices rising, it's clear that homes in Britain are becoming less affordable and that we are in a renters' not a buyers' market."