East Ayrshire is the most affordable location in Scotland, and the UK, for first-time buyers, according to new research from Bank of Scotland.
The analysis looks at the average price paid by people buying their first home in local areas across the country.
With affordability continuing to be a major challenge for many would be homeowners, the findings point to areas where getting on the property ladder may be more achievable.
The list is revealed on the day that applications open for a new £5,000 deposit mortgage, available on homes up to £300,000, and aimed at helping first-time buyers who may otherwise struggle to raise funds without financial support from family.
Here are the top 10 most affordable Scottish areas for first-time buyers in 2026.
1. East Ayrshire
East Ayrshire is the most affordable location in Scotland, and the UK, for first-time buyers, according to new research from Bank of Scotland. With an average first time buyer price of £147,353, East Ayrshire brings together market towns, former mining communities and rural villages. Homes range from characterful older properties to regeneration developments and family friendly neighbourhoods. | Rightmove
2. Inverclyde
Staying in the west, Inverclyde is next on the list with an average first-time buyer price of £149,929. Stretching along the River Clyde, the area includes coastal towns such as Greenock, Gourock and Port Glasgow, offering a mix of traditional flats, family homes and waterfront properties. | Rightmove
3. Na h-Eileanan Siar
Na h-Eileanan Siar has an average first time buyer price of £155,300. | Rightmove
4. Clackmannanshire
Clackmannanshire whose principal town is Alloa has an average first time buyer price of £156,041. | Rightmove