City house prices have surged by 10.3 per cent over the past year, increasing to £287,440 on average, according to Halfiax.
Meanwhile, average earnings in city locations has only increased annually by 2.1 per cent, to £35,677, making city living unaffordable for many buyers.
But which areas of the country have the biggest price tag? Listed are the 10 most expensive cities to live in 2021, according to, based on average house prices, annual earnings and price-to-earnings ratios.

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Where would you choose to live? (Photo: Shutterstock) Photo: Shutterstock

. Winchester, South East
Price-to-earnings ratio: 14.0. Average house price: £630,432. Average annual earnings: £45,059 Photo: Shutterstock

. Oxford, South East
Price-to-earnings ratio: 12.4. Average house price: £486,920. Average annual earnings: £39,220 Photo: Shutterstock

1. Winchester, South East
Price-to-earnings ratio: 14.0. Average house price: £630,432. Average annual earnings: £45,059 Photo: Shutterstock

2. Oxford, South East
Price-to-earnings ratio: 12.4. Average house price: £486,920. Average annual earnings: £39,220 Photo: Shutterstock

3. = Truro, South West
Price-to-earnings ratio: 12.1. Average house price: £356,788. Average annual earnings: £29,558 Photo: Shutterstock

4. = Bath, South West
Price-to-earnings ratio: 12.1. Average house price: £476,470. Average annual earnings: £39,508 Photo: Shutterstock