{ "_meta": { "source": "The Mortgage Ledger", "url": "https://themortgageledger.com/press", "methodology": "https://themortgageledger.com/methodology", "dataVintage": "2026-06-30", "license": "CC BY 4.0", "licenseUrl": "https://creativecommons.org/licenses/by/4.0/", "attribution": "Free to use, share, and adapt for any purpose, including commercially, with attribution to The Mortgage Ledger and a link back.", "title": "All countries — US, Canada, UK housing data", "recordCount": 68 }, "data": [ { "country": "US", "region_code": "AL", "region": "Alabama", "currency": "USD", "median_home_price": 220000, "income_to_qualify": 63000, "median_household_income": 56000, "income_gap": 7000, "two_incomes_required": false, "years_of_income_to_buy": 3.93, "land_transfer_tax": null, "first_time_buyer_rebate": null, "mortgage_enforcement_method": null, "typical_enforcement_months": null, "transaction_tax_regime": null, "ftb_tax_on_300k": null, "standard_tax_on_300k": null, "first_time_buyer_relief": 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0.82, "last_verified": "2026-06-30" }, { "country": "US", "region_code": "ND", "region": "North Dakota", "currency": "USD", "median_home_price": 250000, "income_to_qualify": 72000, "median_household_income": 72000, "income_gap": 0, "two_incomes_required": false, "years_of_income_to_buy": 3.47, "land_transfer_tax": null, "first_time_buyer_rebate": null, "mortgage_enforcement_method": null, "typical_enforcement_months": null, "transaction_tax_regime": null, "ftb_tax_on_300k": null, "standard_tax_on_300k": null, "first_time_buyer_relief": null, "ongoing_property_tax": null, "avg_home_insurance_annual": 1750, "primary_insurance_risk": "Tornadoes, winter storms", "flood_insurance_need": "coastal-zones", "earthquake_insurance_need": "rarely", "property_tax_rate_pct": 0.98, "last_verified": "2026-06-30" }, { "country": "US", "region_code": "OH", "region": "Ohio", "currency": "USD", "median_home_price": 225000, "income_to_qualify": 65000, "median_household_income": 62000, "income_gap": 3000, 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"ftb_tax_on_300k": null, "standard_tax_on_300k": null, "first_time_buyer_relief": null, "ongoing_property_tax": null, "avg_home_insurance_annual": 3519, "primary_insurance_risk": "Tornadoes, hail", "flood_insurance_need": "rarely", "earthquake_insurance_need": "worth-considering", "property_tax_rate_pct": 0.9, "last_verified": "2026-06-30" }, { "country": "US", "region_code": "OR", "region": "Oregon", "currency": "USD", "median_home_price": 502000, "income_to_qualify": 144000, "median_household_income": 75000, "income_gap": 69000, "two_incomes_required": true, "years_of_income_to_buy": 6.69, "land_transfer_tax": null, "first_time_buyer_rebate": null, "mortgage_enforcement_method": null, "typical_enforcement_months": null, "transaction_tax_regime": null, "ftb_tax_on_300k": null, "standard_tax_on_300k": null, "first_time_buyer_relief": null, "ongoing_property_tax": null, "avg_home_insurance_annual": 1100, "primary_insurance_risk": "Wildfire, earthquake", "flood_insurance_need": "coastal-zones", "earthquake_insurance_need": "strongly-recommended", "property_tax_rate_pct": 0.93, "last_verified": "2026-06-30" }, { "country": "US", "region_code": "PA", "region": "Pennsylvania", "currency": "USD", "median_home_price": 266000, "income_to_qualify": 77000, "median_household_income": 69000, "income_gap": 8000, "two_incomes_required": false, "years_of_income_to_buy": 3.86, "land_transfer_tax": null, "first_time_buyer_rebate": null, "mortgage_enforcement_method": null, "typical_enforcement_months": null, "transaction_tax_regime": null, "ftb_tax_on_300k": null, "standard_tax_on_300k": null, "first_time_buyer_relief": null, "ongoing_property_tax": null, "avg_home_insurance_annual": 1200, "primary_insurance_risk": "Winter storms, flooding", "flood_insurance_need": "coastal-zones", "earthquake_insurance_need": "rarely", "property_tax_rate_pct": 1.58, "last_verified": "2026-06-30" }, { "country": "US", "region_code": "RI", "region": "Rhode Island", "currency": "USD", "median_home_price": 430000, "income_to_qualify": 124000, "median_household_income": 79000, "income_gap": 45000, "two_incomes_required": true, "years_of_income_to_buy": 5.44, "land_transfer_tax": null, "first_time_buyer_rebate": null, "mortgage_enforcement_method": null, "typical_enforcement_months": null, "transaction_tax_regime": null, "ftb_tax_on_300k": null, "standard_tax_on_300k": null, "first_time_buyer_relief": null, "ongoing_property_tax": null, "avg_home_insurance_annual": 1400, "primary_insurance_risk": "Coastal storms, hurricanes", "flood_insurance_need": "coastal-zones", "earthquake_insurance_need": "rarely", "property_tax_rate_pct": 1.63, "last_verified": "2026-06-30" }, { "country": "US", "region_code": "SC", "region": "South Carolina", "currency": "USD", "median_home_price": 295000, "income_to_qualify": 85000, "median_household_income": 60000, "income_gap": 25000, "two_incomes_required": true, "years_of_income_to_buy": 4.92, "land_transfer_tax": null, "first_time_buyer_rebate": null, "mortgage_enforcement_method": null, "typical_enforcement_months": null, "transaction_tax_regime": null, "ftb_tax_on_300k": null, "standard_tax_on_300k": null, "first_time_buyer_relief": null, "ongoing_property_tax": null, "avg_home_insurance_annual": 2100, "primary_insurance_risk": "Hurricanes, flooding", "flood_insurance_need": "coastal-zones", "earthquake_insurance_need": "rarely", "property_tax_rate_pct": 0.57, "last_verified": "2026-06-30" }, { "country": "US", "region_code": "SD", "region": "South Dakota", "currency": "USD", "median_home_price": 295000, "income_to_qualify": 85000, "median_household_income": 63000, "income_gap": 22000, "two_incomes_required": true, "years_of_income_to_buy": 4.68, "land_transfer_tax": null, "first_time_buyer_rebate": null, "mortgage_enforcement_method": null, "typical_enforcement_months": null, "transaction_tax_regime": null, "ftb_tax_on_300k": null, "standard_tax_on_300k": null, "first_time_buyer_relief": null, "ongoing_property_tax": null, "avg_home_insurance_annual": 1600, "primary_insurance_risk": "Tornadoes, hail, winter", "flood_insurance_need": "rarely", "earthquake_insurance_need": "rarely", "property_tax_rate_pct": 1.17, "last_verified": "2026-06-30" }, { "country": "US", "region_code": "TN", "region": "Tennessee", "currency": "USD", "median_home_price": 330000, "income_to_qualify": 95000, "median_household_income": 63000, "income_gap": 32000, "two_incomes_required": true, "years_of_income_to_buy": 5.24, "land_transfer_tax": null, "first_time_buyer_rebate": null, "mortgage_enforcement_method": null, "typical_enforcement_months": null, "transaction_tax_regime": null, "ftb_tax_on_300k": null, "standard_tax_on_300k": null, "first_time_buyer_relief": null, "ongoing_property_tax": null, "avg_home_insurance_annual": 1900, "primary_insurance_risk": "Tornadoes, flooding", "flood_insurance_need": "coastal-zones", "earthquake_insurance_need": "worth-considering", "property_tax_rate_pct": 0.67, "last_verified": "2026-06-30" }, { "country": "US", "region_code": "TX", "region": "Texas", "currency": "USD", "median_home_price": 302000, "income_to_qualify": 87000, "median_household_income": 68000, "income_gap": 19000, "two_incomes_required": true, "years_of_income_to_buy": 4.44, "land_transfer_tax": null, "first_time_buyer_rebate": null, "mortgage_enforcement_method": null, "typical_enforcement_months": null, "transaction_tax_regime": null, "ftb_tax_on_300k": null, "standard_tax_on_300k": null, "first_time_buyer_relief": null, "ongoing_property_tax": null, "avg_home_insurance_annual": 3000, "primary_insurance_risk": "Hurricanes, tornadoes, hail", "flood_insurance_need": "coastal-zones", "earthquake_insurance_need": "rarely", "property_tax_rate_pct": 1.68, "last_verified": "2026-06-30" }, { "country": "US", "region_code": "UT", "region": "Utah", "currency": "USD", "median_home_price": 545000, "income_to_qualify": 157000, "median_household_income": 82000, "income_gap": 75000, "two_incomes_required": true, "years_of_income_to_buy": 6.65, "land_transfer_tax": null, "first_time_buyer_rebate": null, "mortgage_enforcement_method": null, "typical_enforcement_months": null, "transaction_tax_regime": null, "ftb_tax_on_300k": null, "standard_tax_on_300k": null, "first_time_buyer_relief": null, "ongoing_property_tax": null, "avg_home_insurance_annual": 1050, "primary_insurance_risk": "Wildfire, earthquake", "flood_insurance_need": "rarely", "earthquake_insurance_need": "strongly-recommended", "property_tax_rate_pct": 0.57, "last_verified": "2026-06-30" }, { "country": "US", "region_code": "VT", "region": "Vermont", "currency": "USD", "median_home_price": 370000, "income_to_qualify": 107000, "median_household_income": 74000, "income_gap": 33000, "two_incomes_required": true, "years_of_income_to_buy": 5, "land_transfer_tax": null, "first_time_buyer_rebate": null, "mortgage_enforcement_method": null, "typical_enforcement_months": null, "transaction_tax_regime": null, "ftb_tax_on_300k": null, "standard_tax_on_300k": null, "first_time_buyer_relief": null, "ongoing_property_tax": null, "avg_home_insurance_annual": 700, "primary_insurance_risk": "Winter storms, flooding", "flood_insurance_need": "rarely", "earthquake_insurance_need": "rarely", "property_tax_rate_pct": 1.9, "last_verified": "2026-06-30" }, { "country": "US", "region_code": "VA", "region": "Virginia", "currency": "USD", "median_home_price": 408000, "income_to_qualify": 117000, "median_household_income": 87000, "income_gap": 30000, "two_incomes_required": true, "years_of_income_to_buy": 4.69, "land_transfer_tax": null, "first_time_buyer_rebate": null, "mortgage_enforcement_method": null, "typical_enforcement_months": null, "transaction_tax_regime": null, "ftb_tax_on_300k": null, "standard_tax_on_300k": null, "first_time_buyer_relief": null, "ongoing_property_tax": null, "avg_home_insurance_annual": 1650, "primary_insurance_risk": "Hurricanes (coastal), winter (western)", "flood_insurance_need": "coastal-zones", "earthquake_insurance_need": "rarely", "property_tax_rate_pct": 0.87, "last_verified": "2026-06-30" }, { "country": "US", "region_code": "WA", "region": "Washington", "currency": "USD", "median_home_price": 593000, "income_to_qualify": 171000, "median_household_income": 93000, "income_gap": 78000, "two_incomes_required": true, "years_of_income_to_buy": 6.38, "land_transfer_tax": null, "first_time_buyer_rebate": null, "mortgage_enforcement_method": null, "typical_enforcement_months": null, "transaction_tax_regime": null, "ftb_tax_on_300k": null, "standard_tax_on_300k": null, "first_time_buyer_relief": null, "ongoing_property_tax": null, "avg_home_insurance_annual": 1753, "primary_insurance_risk": "Earthquake, wildfire (eastern WA)", "flood_insurance_need": "rarely", "earthquake_insurance_need": "strongly-recommended", "property_tax_rate_pct": 0.98, "last_verified": "2026-06-30" }, { "country": "US", "region_code": "WV", "region": "West Virginia", "currency": "USD", "median_home_price": 175000, "income_to_qualify": 50000, "median_household_income": 50000, "income_gap": 0, "two_incomes_required": false, "years_of_income_to_buy": 3.5, "land_transfer_tax": null, "first_time_buyer_rebate": null, "mortgage_enforcement_method": null, "typical_enforcement_months": null, "transaction_tax_regime": null, "ftb_tax_on_300k": null, "standard_tax_on_300k": null, "first_time_buyer_relief": null, "ongoing_property_tax": null, "avg_home_insurance_annual": 950, "primary_insurance_risk": "Flooding, landslides", "flood_insurance_need": "coastal-zones", "earthquake_insurance_need": "rarely", "property_tax_rate_pct": 0.59, "last_verified": "2026-06-30" }, { "country": "US", "region_code": "WI", "region": "Wisconsin", "currency": "USD", "median_home_price": 278000, "income_to_qualify": 80000, "median_household_income": 70000, "income_gap": 10000, "two_incomes_required": false, "years_of_income_to_buy": 3.97, "land_transfer_tax": null, "first_time_buyer_rebate": null, "mortgage_enforcement_method": null, "typical_enforcement_months": null, "transaction_tax_regime": null, "ftb_tax_on_300k": null, "standard_tax_on_300k": null, "first_time_buyer_relief": null, "ongoing_property_tax": null, "avg_home_insurance_annual": 1450, "primary_insurance_risk": "Tornadoes, winter storms", "flood_insurance_need": "coastal-zones", "earthquake_insurance_need": "rarely", "property_tax_rate_pct": 1.73, "last_verified": "2026-06-30" }, { "country": "US", "region_code": "WY", "region": "Wyoming", "currency": "USD", "median_home_price": 365000, "income_to_qualify": 105000, "median_household_income": 72000, "income_gap": 33000, "two_incomes_required": true, "years_of_income_to_buy": 5.07, "land_transfer_tax": null, "first_time_buyer_rebate": null, "mortgage_enforcement_method": null, "typical_enforcement_months": null, "transaction_tax_regime": null, "ftb_tax_on_300k": null, "standard_tax_on_300k": null, "first_time_buyer_relief": null, "ongoing_property_tax": null, "avg_home_insurance_annual": 1100, "primary_insurance_risk": "Wind, hail, winter", "flood_insurance_need": "rarely", "earthquake_insurance_need": "rarely", "property_tax_rate_pct": 0.61, "last_verified": "2026-06-30" }, { "country": "US", "region_code": "DC", "region": "District of Columbia", "currency": "USD", "median_home_price": 620000, "income_to_qualify": 178000, "median_household_income": 108000, "income_gap": 70000, "two_incomes_required": true, "years_of_income_to_buy": 5.74, "land_transfer_tax": null, "first_time_buyer_rebate": null, "mortgage_enforcement_method": null, "typical_enforcement_months": null, "transaction_tax_regime": null, "ftb_tax_on_300k": null, "standard_tax_on_300k": null, "first_time_buyer_relief": null, "ongoing_property_tax": null, "avg_home_insurance_annual": 1100, "primary_insurance_risk": "Flooding (urban), wind", "flood_insurance_need": "coastal-zones", "earthquake_insurance_need": "rarely", "property_tax_rate_pct": 0.57, "last_verified": "2026-06-30" }, { "country": "CA", "region_code": "ON", "region": "Ontario", "currency": "CAD", "median_home_price": null, "income_to_qualify": null, "median_household_income": null, "income_gap": null, "two_incomes_required": null, "years_of_income_to_buy": null, "land_transfer_tax": "Ontario Land Transfer Tax (LTT)", "first_time_buyer_rebate": "Up to $4,000 provincial rebate (eliminates LTT on homes up to $368,333). Toronto buyers also get up to $4,475 municipal rebate on Toronto's parallel LTT — combined saving of up to $8,475 in Toronto.", "mortgage_enforcement_method": "power-of-sale", "typical_enforcement_months": 4, "transaction_tax_regime": null, "ftb_tax_on_300k": null, "standard_tax_on_300k": null, "first_time_buyer_relief": null, "ongoing_property_tax": null, "avg_home_insurance_annual": 1380, "primary_insurance_risk": null, "flood_insurance_need": null, "earthquake_insurance_need": null, "property_tax_rate_pct": 0.9, "last_verified": "2026-06-30" }, { "country": "CA", "region_code": "BC", "region": "British Columbia", "currency": "CAD", "median_home_price": null, "income_to_qualify": null, "median_household_income": null, "income_gap": null, "two_incomes_required": null, "years_of_income_to_buy": null, "land_transfer_tax": "Property Transfer Tax (PTT)", "first_time_buyer_rebate": "Full exemption on homes up to $500,000 (saving up to ~$8,000). Partial exemption for homes $500,000–$835,000. Must be Canadian citizen or permanent resident, must never have owned a home anywhere in the world.", "mortgage_enforcement_method": "judicial-sale", "typical_enforcement_months": 8, "transaction_tax_regime": null, "ftb_tax_on_300k": null, "standard_tax_on_300k": null, "first_time_buyer_relief": null, "ongoing_property_tax": null, "avg_home_insurance_annual": 1500, "primary_insurance_risk": null, "flood_insurance_need": null, "earthquake_insurance_need": null, "property_tax_rate_pct": 0.4, "last_verified": "2026-06-30" }, { "country": "CA", "region_code": "QC", "region": "Quebec", "currency": "CAD", "median_home_price": null, "income_to_qualify": null, "median_household_income": null, "income_gap": null, "two_incomes_required": null, "years_of_income_to_buy": null, "land_transfer_tax": "Welcome Tax (Taxe de bienvenue)", "first_time_buyer_rebate": "No province-wide LTT rebate. A federal First-Time Home Buyers' Tax Credit of $750 applies. Some municipal programs exist in Montreal.", "mortgage_enforcement_method": "judicial-sale", "typical_enforcement_months": 12, "transaction_tax_regime": null, "ftb_tax_on_300k": null, "standard_tax_on_300k": null, "first_time_buyer_relief": null, "ongoing_property_tax": null, "avg_home_insurance_annual": 960, "primary_insurance_risk": null, "flood_insurance_need": null, "earthquake_insurance_need": null, "property_tax_rate_pct": 1, "last_verified": "2026-06-30" }, { "country": "CA", "region_code": "AB", "region": "Alberta", "currency": "CAD", "median_home_price": null, "income_to_qualify": null, "median_household_income": null, "income_gap": null, "two_incomes_required": null, "years_of_income_to_buy": null, "land_transfer_tax": "None", "first_time_buyer_rebate": "No land transfer tax at all — one of only two provinces (with Saskatchewan) that charges none.", "mortgage_enforcement_method": "judicial-sale", "typical_enforcement_months": 6, "transaction_tax_regime": null, "ftb_tax_on_300k": null, "standard_tax_on_300k": null, "first_time_buyer_relief": null, "ongoing_property_tax": null, "avg_home_insurance_annual": 1800, "primary_insurance_risk": null, "flood_insurance_need": null, "earthquake_insurance_need": null, "property_tax_rate_pct": 0.65, "last_verified": "2026-06-30" }, { "country": "CA", "region_code": "MB", "region": "Manitoba", "currency": "CAD", "median_home_price": null, "income_to_qualify": null, "median_household_income": null, "income_gap": null, "two_incomes_required": null, "years_of_income_to_buy": null, "land_transfer_tax": "Land Transfer Tax", "first_time_buyer_rebate": "First-time buyers are exempt from LTT on the first $150,000 of the purchase price — a smaller rebate than Ontario or BC.", "mortgage_enforcement_method": "judicial-sale", "typical_enforcement_months": 6, "transaction_tax_regime": null, "ftb_tax_on_300k": null, "standard_tax_on_300k": null, "first_time_buyer_relief": null, "ongoing_property_tax": null, "avg_home_insurance_annual": 1050, "primary_insurance_risk": null, "flood_insurance_need": null, "earthquake_insurance_need": null, "property_tax_rate_pct": 1.2, "last_verified": "2026-06-30" }, { "country": "CA", "region_code": "SK", "region": "Saskatchewan", "currency": "CAD", "median_home_price": null, "income_to_qualify": null, "median_household_income": null, "income_gap": null, "two_incomes_required": null, "years_of_income_to_buy": null, "land_transfer_tax": "None", "first_time_buyer_rebate": "No land transfer tax — only land title transfer fees (very small).", "mortgage_enforcement_method": "judicial-sale", "typical_enforcement_months": 6, "transaction_tax_regime": null, "ftb_tax_on_300k": null, "standard_tax_on_300k": null, "first_time_buyer_relief": null, "ongoing_property_tax": null, "avg_home_insurance_annual": 1200, "primary_insurance_risk": null, "flood_insurance_need": null, "earthquake_insurance_need": null, "property_tax_rate_pct": 1.1, "last_verified": "2026-06-30" }, { "country": "CA", "region_code": "NS", "region": "Nova Scotia", "currency": "CAD", "median_home_price": null, "income_to_qualify": null, "median_household_income": null, "income_gap": null, "two_incomes_required": null, "years_of_income_to_buy": null, "land_transfer_tax": "Deed Transfer Tax (municipal, not provincial)", "first_time_buyer_rebate": "No province-wide rebate. Some municipalities offer exemptions for first-time buyers.", "mortgage_enforcement_method": "power-of-sale", "typical_enforcement_months": 4, "transaction_tax_regime": null, "ftb_tax_on_300k": null, "standard_tax_on_300k": null, "first_time_buyer_relief": null, "ongoing_property_tax": null, "avg_home_insurance_annual": 1020, "primary_insurance_risk": null, "flood_insurance_need": null, "earthquake_insurance_need": null, "property_tax_rate_pct": 1.1, "last_verified": "2026-06-30" }, { "country": "CA", "region_code": "NB", "region": "New Brunswick", "currency": "CAD", "median_home_price": null, "income_to_qualify": null, "median_household_income": null, "income_gap": null, "two_incomes_required": null, "years_of_income_to_buy": null, "land_transfer_tax": "Real Property Transfer Tax", "first_time_buyer_rebate": "No first-time buyer LTT rebate at provincial level.", "mortgage_enforcement_method": "power-of-sale", "typical_enforcement_months": 4, "transaction_tax_regime": null, "ftb_tax_on_300k": null, "standard_tax_on_300k": null, "first_time_buyer_relief": null, "ongoing_property_tax": null, "avg_home_insurance_annual": 900, "primary_insurance_risk": null, "flood_insurance_need": null, "earthquake_insurance_need": null, "property_tax_rate_pct": 1.3, "last_verified": "2026-06-30" }, { "country": "CA", "region_code": "NL", "region": "Newfoundland and Labrador", "currency": "CAD", "median_home_price": null, "income_to_qualify": null, "median_household_income": null, "income_gap": null, "two_incomes_required": null, "years_of_income_to_buy": null, "land_transfer_tax": "None", "first_time_buyer_rebate": "Newfoundland and Labrador does not charge land transfer tax — only land registration fees.", "mortgage_enforcement_method": "judicial-sale", "typical_enforcement_months": 8, "transaction_tax_regime": null, "ftb_tax_on_300k": null, "standard_tax_on_300k": null, "first_time_buyer_relief": null, "ongoing_property_tax": null, "avg_home_insurance_annual": 1080, "primary_insurance_risk": null, "flood_insurance_need": null, "earthquake_insurance_need": null, "property_tax_rate_pct": 0.9, "last_verified": "2026-06-30" }, { "country": "CA", "region_code": "PE", "region": "Prince Edward Island", "currency": "CAD", "median_home_price": null, "income_to_qualify": null, "median_household_income": null, "income_gap": null, "two_incomes_required": null, "years_of_income_to_buy": null, "land_transfer_tax": "Real Property Transfer Tax", "first_time_buyer_rebate": "Full transfer tax exemption for first-time buyers with no purchase price limit — one of the most generous in Canada. Must have resided in PEI for 183 consecutive days before purchase, or occupy the new home for 183 consecutive days.", "mortgage_enforcement_method": "power-of-sale", "typical_enforcement_months": 4, "transaction_tax_regime": null, "ftb_tax_on_300k": null, "standard_tax_on_300k": null, "first_time_buyer_relief": null, "ongoing_property_tax": null, "avg_home_insurance_annual": 960, "primary_insurance_risk": null, "flood_insurance_need": null, "earthquake_insurance_need": null, "property_tax_rate_pct": 1, "last_verified": "2026-06-30" }, { "country": "CA", "region_code": "NT", "region": "Northwest Territories", "currency": "CAD", "median_home_price": null, "income_to_qualify": null, "median_household_income": null, "income_gap": null, "two_incomes_required": null, "years_of_income_to_buy": null, "land_transfer_tax": "Land Title Registration Fees (no traditional LTT)", "first_time_buyer_rebate": "No land transfer tax. Registration fees only, calculated on home value and mortgage amount.", "mortgage_enforcement_method": "judicial-sale", "typical_enforcement_months": 8, "transaction_tax_regime": null, "ftb_tax_on_300k": null, "standard_tax_on_300k": null, "first_time_buyer_relief": null, "ongoing_property_tax": null, "avg_home_insurance_annual": 1440, "primary_insurance_risk": null, "flood_insurance_need": null, "earthquake_insurance_need": null, "property_tax_rate_pct": 0.9, "last_verified": "2026-06-30" }, { "country": "CA", "region_code": "NU", "region": "Nunavut", "currency": "CAD", "median_home_price": null, "income_to_qualify": null, "median_household_income": null, "income_gap": null, "two_incomes_required": null, "years_of_income_to_buy": null, "land_transfer_tax": "Land Title Registration Fees (no traditional LTT)", "first_time_buyer_rebate": "No land transfer tax.", "mortgage_enforcement_method": "judicial-sale", "typical_enforcement_months": 10, "transaction_tax_regime": null, "ftb_tax_on_300k": null, "standard_tax_on_300k": null, "first_time_buyer_relief": null, "ongoing_property_tax": null, "avg_home_insurance_annual": 1800, "primary_insurance_risk": null, "flood_insurance_need": null, "earthquake_insurance_need": null, "property_tax_rate_pct": 0.9, "last_verified": "2026-06-30" }, { "country": "CA", "region_code": "YT", "region": "Yukon", "currency": "CAD", "median_home_price": null, "income_to_qualify": null, "median_household_income": null, "income_gap": null, "two_incomes_required": null, "years_of_income_to_buy": null, "land_transfer_tax": "Land Title Registration Fees (no traditional LTT)", "first_time_buyer_rebate": "No land transfer tax.", "mortgage_enforcement_method": "judicial-sale", "typical_enforcement_months": 6, "transaction_tax_regime": null, "ftb_tax_on_300k": null, "standard_tax_on_300k": null, "first_time_buyer_relief": null, "ongoing_property_tax": null, "avg_home_insurance_annual": 1200, "primary_insurance_risk": null, "flood_insurance_need": null, "earthquake_insurance_need": null, "property_tax_rate_pct": 0.8, "last_verified": "2026-06-30" }, { "country": "UK", "region_code": "england", "region": "England", "currency": "GBP", "median_home_price": null, "income_to_qualify": null, "median_household_income": null, "income_gap": null, "two_incomes_required": null, "years_of_income_to_buy": null, "land_transfer_tax": null, "first_time_buyer_rebate": null, "mortgage_enforcement_method": null, "typical_enforcement_months": null, "transaction_tax_regime": "SDLT", "ftb_tax_on_300k": 0, "standard_tax_on_300k": 5000, "first_time_buyer_relief": "First-time buyers pay no SDLT on the first £300,000, then 5% on the portion from £300,001 to £500,000. No relief above £500,000 — full standard rates apply. This relief was made permanent in 2024 (previously temporary).", "ongoing_property_tax": "Council Tax", "avg_home_insurance_annual": 200, "primary_insurance_risk": null, "flood_insurance_need": null, "earthquake_insurance_need": null, "property_tax_rate_pct": null, "last_verified": "2026-06-30" }, { "country": "UK", "region_code": "scotland", "region": "Scotland", "currency": "GBP", "median_home_price": null, "income_to_qualify": null, "median_household_income": null, "income_gap": null, "two_incomes_required": null, "years_of_income_to_buy": null, "land_transfer_tax": null, "first_time_buyer_rebate": null, "mortgage_enforcement_method": null, "typical_enforcement_months": null, "transaction_tax_regime": "LBTT", "ftb_tax_on_300k": 4000, "standard_tax_on_300k": 4600, "first_time_buyer_relief": "First-time buyers in Scotland get an increased nil-rate threshold of £175,000 (standard is £145,000), saving up to £600 compared to non-first-time buyers. Less generous than England's relief but applied to a different rate structure.", "ongoing_property_tax": "Council Tax", "avg_home_insurance_annual": 180, "primary_insurance_risk": null, "flood_insurance_need": null, "earthquake_insurance_need": null, "property_tax_rate_pct": null, "last_verified": "2026-06-30" }, { "country": "UK", "region_code": "wales", "region": "Wales", "currency": "GBP", "median_home_price": null, "income_to_qualify": null, "median_household_income": null, "income_gap": null, "two_incomes_required": null, "years_of_income_to_buy": null, "land_transfer_tax": null, "first_time_buyer_rebate": null, "mortgage_enforcement_method": null, "typical_enforcement_months": null, "transaction_tax_regime": "LTT", "ftb_tax_on_300k": 4500, "standard_tax_on_300k": 4500, "first_time_buyer_relief": "Wales has NO first-time buyer relief — LTT applies at standard rates for all buyers, with no exemption or reduced threshold for first-time buyers. This is the most significant difference from England and Scotland for first-time buyers.", "ongoing_property_tax": "Council Tax", "avg_home_insurance_annual": 190, "primary_insurance_risk": null, "flood_insurance_need": null, "earthquake_insurance_need": null, "property_tax_rate_pct": null, "last_verified": "2026-06-30" }, { "country": "UK", "region_code": "northern-ireland", "region": "Northern Ireland", "currency": "GBP", "median_home_price": null, "income_to_qualify": null, "median_household_income": null, "income_gap": null, "two_incomes_required": null, "years_of_income_to_buy": null, "land_transfer_tax": null, "first_time_buyer_rebate": null, "mortgage_enforcement_method": null, "typical_enforcement_months": null, "transaction_tax_regime": "SDLT", "ftb_tax_on_300k": 0, "standard_tax_on_300k": 5000, "first_time_buyer_relief": "Same as England: no SDLT on the first £300,000, then 5% from £300,001 to £500,000. Given NI's lower average house prices (median ~£180,000), many first-time buyers pay no SDLT at all.", "ongoing_property_tax": "Domestic Rates", "avg_home_insurance_annual": 460, "primary_insurance_risk": null, "flood_insurance_need": null, "earthquake_insurance_need": null, "property_tax_rate_pct": null, "last_verified": "2026-06-30" } ] }