Out of 10
Latest UK HPI annual growth
Latest completed reading
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Market balance over time
This chart tracks how market balance has moved inside the wider Mortgage Market Health Index.
UK HPI annual growth over time
This shows the annual house price growth series feeding the market balance pillar.
How market balance is measured
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The Version 1 market balance pillar is driven by UK HPI annual growth, which helps judge whether house price behaviour looks stable and sustainable rather than overheated or weak.
How the balance score is banded
- 5 out of 5: annual house price growth between 1% and 4% — healthy, sustainable growth.
- 4 out of 5: growth between 0% and under 1%, or over 4% to 6% — still broadly acceptable.
- 2 out of 5: growth between -2% and under 0%, or over 6% to 8% — starting to look imbalanced.
- 0 out of 5: growth below -2% or above 8% — treated as unhealthy price behaviour in the current model.
Important note
This pillar is best understood as a price-stability proxy, not a full measure of housing supply and demand equilibrium. It is designed to signal whether price growth looks broadly sustainable.