Buying a home is beyond the reach of many wage earners on the Fylde coast, according to new figures.
A report by the National Housing Federation reveals buyers living in Fylde borough need to earn nearly £45,000 a year if they want to own a standard property.
But that is £18,000 more than average earnings of just over £26,364.
In Wyre, the gap is around £12,000, while in Blackpool it is nearly £7,000.
The findings have prompted calls for more affordable housing to be built to help people get on the ladder.
Jacqui De Rose, group chief executive at Progress Housing Association which has properties in St Annes and Blackpool, said: “We are fully supporting Homes for Britain, a nation-wide campaign which is calling on all the major political parties to make a commitment to end the housing crisis in a generation.
“When you look at the figures for Fylde, you need to be earning £44,954 to afford a mortgage on the average home, but average wages are £18,000 lower.
“This shows the market is clearly not working and it is vital that housing associations, such as ours, are able to continue building good quality, affordable and secure homes so that families in Lancashire can have their housing needs met now and in the future.”
The National Housing Federation is warning unless more new houses are built or empty properties brought back into use, the cycle of rising housing costs will continue.
Katie Teasdale, external affairs manager for the National Housing Federation in the North West, said: “In some places spiralling costs have put housing out of reach of many people.”
The figures are based on the amount of money someone must earn in order to buy an average priced home with an 80 per cent mortgage.
Many folk can no longer just rely on their earnings to buy a home.
Gareth Walsh, branch manager at Hunters Estate Agent in Highfield Road, South Shore, Blackpool, said: “First time buyers have got used to the fact they need at least a 10 per cent deposit to buy a house.
“So they are saving up for deposits, or in many cases turning to parents or grandparents with a lot of equity in their properties, and that is going to the grandchildren to give them a helping hand.”
Affordable housing is currently being built at Foxhall Village, off Rigby Road in Blackpool, including 70 units which will be available to rent through Great Places Housing Association.