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Research

The Local Housing Allowance gap

Local Housing Allowance, the cap on housing support for private renters, is frozen at its April 2024 level for April 2026 to March 2027. This compares it with the 30th percentile of rents the Valuation Office calculated for every area of England.

Last updated 19 October 2026

Areas where the 2-bed allowance is below the 30th percentile

152 of 152

Typical 2-bed shortfall

£103

a month, £1,236 a year

Typical share of the rent covered

87%

2 bedrooms

Allowance rates

Frozen since April 2024

April 2026 to March 2027

What this compares. The allowance in force for April 2026 to March 2027 against the 30th percentile of rents in each area: the rent below which 30% of rents fall, from rents being paid in the 12 months to September 2025. The Valuation Office calculated these figures for 2026, but they were not used because the rates were frozen. England only.

Find your area

AshfordAylesburyBarnsleyBarrow-in-FurnessBasingstokeBathBedfordBirminghamBlack CountryBlackwater ValleyBolton and BuryBournemouthBradford & South DalesBrighton and HoveBristolBury St EdmundsCambridgeCanterburyCentral Greater ManchesterCentral LancsCentral LondonCentral Norfolk & NorwichChelmsfordCheltenhamCherwell ValleyChesterfieldChichesterChilternsColchesterCoventryCrawley & ReigateDarlingtonDerbyDoncasterDover-ShepwayDurhamEast CheshireEast LancsEast Thames ValleyEastbourneEastern StaffordshireExeterFylde CoastGloucesterGrantham & NewarkGreater LiverpoolGrimsbyGuildfordHalifaxHarlow & StortfordHarrogateHerefordshireHigh WealdHull & East RidingHuntingdonInner East LondonInner North LondonInner South East LondonInner South West LondonInner West LondonIpswichIsle of WightKendalKernow WestKings LynnKirkleesLancasterLeedsLeicesterLincolnLincolnshire FensLowestoft & Great YarmouthLutonMaidstoneMedway & SwaleMendipMid & East DevonMid & West DorsetMid StaffsMilton KeynesNewburyNorth CheshireNorth Cornwall & Devon BordersNorth CumbriaNorth DevonNorth NottinghamNorth West KentNorth West LondonNorthamptonNorthants CentralNorthumberlandNottinghamOldham & RochdaleOuter East LondonOuter North East LondonOuter North LondonOuter South East LondonOuter South LondonOuter South West LondonOuter West LondonOxfordPeaks & DalesPeterboroughPlymouthPortsmouthReadingRichmond & HambletonRotherhamRugby & EastSalisburyScarboroughScunthorpeSheffieldShropshireSolihullSouth CheshireSouth DevonSouth East HertsSouth West EssexSouth West HertsSouthamptonSouthendSouthern Greater ManchesterSouthportSt HelensStaffordshire NorthStevenage & North HertsSunderlandSussex EastSwindonTameside & GlossopTaunton & West SomersetTeessideThanetTynesideWakefieldWaltonWarwickshire SouthWest CheshireWest CumbriaWest PennineWest WiltshireWeston-S-MareWiganWinchesterWirralWolds and CoastWorcester NorthWorcester SouthWorthingYeovilYork Central LondonInner East LondonInner North LondonInner South East LondonInner South West LondonInner West LondonNorth West LondonOuter East LondonOuter North East LondonOuter North LondonOuter South East LondonOuter South LondonOuter South West LondonOuter West London London
Smaller gap Bigger gap Monthly shortfall; each band is a fifth of the areas

What the figures show

152 of 152

areas in England where the 2-bedroom Local Housing Allowance is below the 30th percentile of local rents. For every size of home, from a shared room to 4 bedrooms, it falls short in at least 151 areas.

£103

a month is the typical shortfall for a 2-bedroom home, about £1,236 a year, between the allowance and the 30th percentile rent. For a 1-bedroom home it is £83, and for 3 bedrooms £123.

60%

of the 30th percentile 2-bedroom rent is covered in Central London, where the allowance is held down by the national cap: a shortfall of £1,198 a month.

Tameside & Glossop

has the lowest coverage outside London: the 2-bedroom allowance covers 75.7% of the 30th percentile rent. Next are Bolton and Bury (76.9%) and Southern Greater Manchester (79.6%).

£242

a month is the biggest 2-bedroom shortfall outside London, in Cambridge. Then North West Kent (£202) and Reading (£201).

Since April 2024

the Local Housing Allowance has stood still: the rates for April 2026 to March 2027 are the same as those from April 2024, while the rents they are measured against have kept moving.

By size of home

Size of homeAreas below the 30th percentileTypical shortfall a monthTypical share covered
Shared room 152 of 152 £54 88%
1 bedroom 151 of 152 £83 88%
2 bedrooms 152 of 152 £103 87%
3 bedrooms 151 of 152 £123 87%
4 bedrooms 152 of 152 £148 88%

By region, 2-bedroom homes

RegionTypical share coveredTypical shortfall a monthLowest coverage
North West 84% £98 Tameside & Glossop (75.7%)
London 85% £246 Central London (60%)
North East 85% £74 Darlington (82%)
East Midlands 86% £96 Nottingham (82%)
West Midlands 87% £98 Coventry (82%)
East of England 87% £134 Cambridge (79.7%)
South East 88% £125 Ashford (81.2%)
South West 88% £98 North Cornwall & Devon Borders (81.4%)
Yorkshire and The Humber 89% £71 Barnsley (82%)

Each area is placed in the region where most of its land lies.

All 152 areas

Monthly figures for 2-bedroom homes, biggest shortfall first. Click a column to sort, or a row to see it on the map.

CSV
Central London(capped) London £1,794 £2,992 £1,198 60%
Inner East London London £1,750 £2,069 £319 84.6%
Inner South West London London £1,700 £1,995 £295 85.2%
North West London London £1,350 £1,632 £282 82.7%
Inner West London London £1,625 £1,902 £277 85.4%
Inner North London(capped) London £1,794 £2,044 £250 87.8%
Outer North East London London £1,250 £1,496 £246 83.6%
Outer West London London £1,300 £1,546 £246 84.1%
Outer East London London £1,400 £1,645 £245 85.1%
Cambridge East of England £950 £1,192 £242 79.7%
Outer South London London £1,200 £1,413 £213 84.9%
Inner South East London London £1,550 £1,760 £210 88.1%
North West Kent South East £995 £1,197 £202 83.1%
Reading South East £1,095 £1,296 £201 84.5%
Outer South West London London £1,495 £1,695 £200 88.2%
Ashford South East £850 £1,047 £197 81.2%
Blackwater Valley South East £1,000 £1,197 £197 83.6%
Chelmsford East of England £950 £1,147 £197 82.8%
South East Herts East of England £1,050 £1,247 £197 84.2%
East Thames Valley South East £1,200 £1,396 £196 86%
Outer North London London £1,400 £1,596 £196 87.7%
Outer South East London London £1,300 £1,496 £196 86.9%
Tameside & Glossop North West £600 £793 £193 75.7%
Maidstone South East £905 £1,097 £192 82.5%
Southern Greater Manchester North West £750 £942 £192 79.6%
Bolton and Bury North West £575 £748 £173 76.9%
Bournemouth South West £875 £1,047 £172 83.6%
Bury St Edmunds East of England £775 £947 £172 81.8%
Central Greater Manchester North West £875 £1,047 £172 83.6%
Harlow & Stortford East of England £1,025 £1,197 £172 85.7%
Stevenage & North Herts East of England £975 £1,147 £172 85%
Bath South West £980 £1,147 £167 85.5%
Bristol South West £1,095 £1,247 £152 87.8%
Colchester East of England £795 £947 £152 83.9%
Coventry West Midlands £675 £823 £148 82%
Thanet South East £750 £898 £148 83.6%
Chichester South East £950 £1,097 £147 86.6%
Chilterns South East £1,100 £1,247 £147 88.2%
Crawley & Reigate South East £1,100 £1,247 £147 88.2%
Medway & Swale South East £850 £997 £147 85.2%
South West Essex East of England £950 £1,097 £147 86.6%
Winchester South East £1,050 £1,197 £147 87.7%
South West Herts East of England £1,250 £1,396 £146 89.5%
Birmingham West Midlands £750 £893 £143 84%
Nottingham East Midlands £650 £793 £143 82%
North Cornwall & Devon Borders South West £609 £748 £139 81.4%
Walton South East £1,212 £1,346 £134 90%
Greater Liverpool North West £595 £723 £128 82.3%
Northants Central East Midlands £695 £823 £128 84.5%
Sheffield Yorkshire and The Humber £620 £748 £128 82.9%
Aylesbury South East £995 £1,122 £127 88.7%
Portsmouth South East £845 £972 £127 86.9%
East Cheshire North West £725 £848 £123 85.5%
Gloucester South West £725 £848 £123 85.5%
Leicester East Midlands £650 £773 £123 84.1%
Southport North West £600 £723 £123 83%
St Helens North West £525 £648 £123 81%
Basingstoke South East £950 £1,072 £122 88.6%
Bedford East of England £825 £947 £122 87.1%
High Weald South East £1,075 £1,197 £122 89.8%
Luton East of England £875 £997 £122 87.7%
Milton Keynes South East £925 £1,047 £122 88.3%
Oxford South East £1,125 £1,247 £122 90.2%
Southampton South East £875 £997 £122 87.7%
Guildford South East £1,225 £1,346 £121 91%
Salisbury South West £780 £898 £118 86.9%
South Cheshire North West £575 £693 £118 83%
West Cheshire North West £675 £793 £118 85.1%
Southend East of England £875 £992 £117 88.2%
Swindon South West £785 £898 £113 87.5%
Mid Staffs West Midlands £625 £733 £108 85.3%
Ipswich East of England £717 £823 £106 87.1%
Central Norfolk & Norwich East of England £695 £798 £103 87.1%
Derby East Midlands £595 £698 £103 85.2%
Dover-Shepway South East £695 £798 £103 87.1%
Exeter South West £795 £898 £103 88.6%
North Cheshire North West £590 £693 £103 85.1%
North Devon South West £645 £748 £103 86.2%
Barnsley Yorkshire and The Humber £450 £549 £99 82%
Darlington North East £450 £549 £99 82%
Barrow-in-Furness North West £500 £598 £98 83.6%
Black Country West Midlands £625 £723 £98 86.4%
Chesterfield East Midlands £525 £623 £98 84.2%
East Lancs North West £475 £573 £98 82.8%
Herefordshire West Midlands £600 £698 £98 85.9%
Isle of Wight South East £650 £748 £98 86.9%
Kernow West South West £695 £793 £98 87.7%
Kings Lynn East of England £650 £748 £98 86.9%
Lancaster North West £575 £673 £98 85.4%
Northampton East Midlands £750 £848 £98 88.5%
Rugby & East West Midlands £725 £823 £98 88.1%
Staffordshire North West Midlands £480 £578 £98 83%
Sussex East South East £750 £848 £98 88.5%
Tyneside North East £550 £648 £98 84.8%
West Wiltshire South West £725 £823 £98 88.1%
Wigan North West £500 £598 £98 83.6%
Wirral North West £525 £623 £98 84.2%
Worcester South West Midlands £700 £798 £98 87.7%
York Yorkshire and The Humber £775 £873 £98 88.8%
Cherwell Valley South East £950 £1,047 £97 90.7%
Newbury South East £895 £992 £97 90.2%
Solihull West Midlands £825 £922 £97 89.4%
Warwickshire South West Midlands £850 £947 £97 89.7%
Worthing South East £950 £1,047 £97 90.7%
Brighton and Hove South East £1,200 £1,296 £96 92.6%
Oldham & Rochdale North West £578 £673 £96 85.8%
Cheltenham South West £800 £893 £93 89.6%
Eastern Staffordshire West Midlands £600 £693 £93 86.6%
Lincoln East Midlands £600 £693 £93 86.6%
Lowestoft & Great Yarmouth East of England £575 £668 £93 86.1%
Peterborough East of England £700 £793 £93 88.3%
West Pennine North West £450 £539 £89 83.6%
Kendal North West £650 £738 £88 88.1%
North Nottingham East Midlands £550 £638 £88 86.2%
North Cumbria North West £475 £558 £83 85.1%
Taunton & West Somerset South West £725 £808 £83 89.8%
Harrogate Yorkshire and The Humber £736 £818 £82 90%
Huntingdon East of England £795 £873 £78 91.1%
Shropshire West Midlands £595 £673 £78 88.4%
Wolds and Coast East Midlands £495 £573 £78 86.3%
Yeovil South West £695 £773 £78 89.9%
Canterbury South East £895 £972 £77 92%
Durham North East £400 £474 £74 84.4%
Sunderland North East £475 £549 £74 86.6%
Teesside North East £475 £549 £74 86.6%
West Cumbria North West £475 £549 £74 86.6%
Grantham & Newark East Midlands £575 £648 £73 88.7%
Halifax Yorkshire and The Humber £525 £598 £73 87.7%
Mid & West Dorset South West £750 £823 £73 91.2%
Plymouth South West £675 £748 £73 90.2%
Richmond & Hambleton Yorkshire and The Humber £550 £623 £73 88.2%
Rotherham Yorkshire and The Humber £500 £573 £73 87.2%
Scarborough Yorkshire and The Humber £550 £623 £73 88.2%
Worcester North West Midlands £650 £723 £73 89.9%
Eastbourne South East £900 £972 £72 92.6%
Northumberland North East £425 £494 £69 86.1%
Central Lancs North West £575 £643 £68 89.4%
Kirklees Yorkshire and The Humber £525 £593 £68 88.5%
Lincolnshire Fens East Midlands £625 £693 £68 90.2%
Bradford & South Dales Yorkshire and The Humber £525 £588 £63 89.2%
Doncaster Yorkshire and The Humber £500 £563 £63 88.7%
Fylde Coast North West £542 £598 £56 90.6%
Hull & East Riding Yorkshire and The Humber £475 £529 £54 89.9%
Leeds Yorkshire and The Humber £775 £823 £48 94.2%
Mendip South West £775 £823 £48 94.2%
Scunthorpe Yorkshire and The Humber £495 £543 £48 91.1%
South Devon South West £675 £723 £48 93.4%
Weston-S-Mare South West £750 £798 £48 94%
Peaks & Dales East Midlands £595 £623 £28 95.5%
Wakefield Yorkshire and The Humber £595 £623 £28 95.5%
Grimsby Yorkshire and The Humber £480 £499 £19 96.3%
Mid & East Devon South West £685 £698 £13 98.1%

Allowance: the Universal Credit monthly rate. 30th percentile rent: the weekly figure × 52 ÷ 12. "Capped": the allowance is held at the national maximum.

Questions

What is the Local Housing Allowance?

The Local Housing Allowance (LHA) sets the most Housing Benefit, or the housing element of Universal Credit, that a private renter can get. It depends on the area, called a Broad Rental Market Area, and the number of bedrooms the household is allowed. LHA rates are decided by the Department for Work and Pensions using rents collected by the Valuation Office Agency.

Has the Local Housing Allowance been frozen?

Yes. The rates for April 2026 to March 2027 are the same rates that came into force on 1 April 2024. A 2026 order holds each area's allowance at the level set on 31 January 2024, so the Valuation Office's newer rent figures were not used.

What is the 30th percentile rent?

The rent below which 30% of the rents collected in an area fall. The Valuation Office collects rents being paid, new lets and renewals, in the 12 months to September 2025, and works out the 30th percentile for each area and size of home. This page compares the allowance with that figure.

Is it the same for housing benefit and Universal Credit?

Both use the same Local Housing Allowance. Universal Credit sets it as a monthly amount, which is what this page shows; housing benefit sets it weekly, which works out a few pounds a month lower, so the shortfall for housing benefit claimants is slightly bigger.

Why is Central London so far behind?

Local Housing Allowance has national maximum rates. The weekly cap is £412.86 for 2 bedrooms, so where local rents are far higher, as in Central London and Inner North London, the allowance stops at the cap.

Does this cover Wales and Scotland?

No. This page uses the rates for England. Rates for Wales and Scotland are published separately.

What does this mean for landlords?

Where the allowance falls short of the rent, tenants who rely on housing support have to make up the difference from other income. It is one reason landlords letting to tenants on benefits look closely at affordability and at cover for unpaid rent.

How the figures are worked out

  • Allowance. The Universal Credit Local Housing Allowance monthly rate for each area and size of home for 2026 to 2027, which most private renters on housing support receive. Housing benefit uses the same rates set weekly (Table 4 of the official tables), which work out a few pounds a month lower.
  • 30th percentile rent. Table 2 of the same tables: the 30th percentile of rents collected in the 12 months to September 2025, which the order freezing the rates set aside.
  • Shortfall and share covered. The 30th percentile rent, converted from weekly to monthly by multiplying by 52 and dividing by 12, minus the Universal Credit monthly rate, and the rate as a share of that rent.
  • Typical. The median of England's 152 areas, so London's very large gaps do not dominate.
  • Councils. Areas do not follow council boundaries. Each council's share in each area is worked out by sampling points across the council; shares are of land, not of people or homes.

Sources

For journalists

Using these figures

You are welcome to use any figure on this page: each finding has a ready-made citation, and each area has its own link and citation on its card. Please credit the Local Housing Allowance gap and link to it.

The figures and the download are licensed under Creative Commons Attribution 4.0: use them freely, with credit to Landlord Insurance UK.