The average first-time buyer saving 10% of their annual income will need to save for 11 years to have enough for a 15% deposit, and this could double in some areas, a report says. Windsor is the hardest place to be a first-time buyer, as the average house price is £586,184 and the median salary is £39,832. Therefore, it would take 22 years for a first-time buyer to save a 15% deposit, assuming 10% annual saving. Estimates suggest it would take a first-time buyer 21 years to save a 15% deposit. Paisley, North Lanarkshire, Blackpool and Cumbernauld all only take six years to save for a first-time buyer deposit.