Property prices in nearly 1-in-5 areas of the UK have increased over the last two years by more than owners' total earnings, with the BOB fm region being hardest hit.
Halifax found that house price growth in Barnet in London, outpaced average earnings by around £52,000 - the highest difference in the survey.
North Hertfordshire had the second biggest gap, at nearly £41,000.
Canterbury, Guildford and Oxford were also places where house prices have surged particularly far ahead of average earnings.
The report also highlighted a continued north/south divide, with 86% of areas where the average house price rise is greater than local earnings over the past two years being in London, the South East, South West or the East of England. This share is down slightly from the last year when 93% of areas came from these four regions. No district in the north east of England, Yorkshire and the Humber, Scotland and Northern Ireland saw average house price growth eclipse average take-home earnings over the past two years, according to Halifax's report.
Russell Galley, managing director at Halifax, said: "Over the past two years, we have seen house price growth and earnings converge at a national level, leading to a drop in the total number of areas where the average house price rise is greater than owners' take-home earnings.
Despite the slowdown in house price growth in southern England, it has still outpaced wages across most of the region. This means that middle earners are also facing a challenge getting on to the property ladder".
:: Top 5 places where house prices have outpaced earnings across 2016 and 2017 according to Halifax
|Position||Area||Average increase in house prices over two-year period||Average take-home earnings||Cash difference|