PTI vs. Flood risk: The UK's top ten coastal investment hotspots

Flood risk is an increasingly critical factor for those choosing to invest in coastal properties.

Related topics:  Landlords,  Coastal,  Holiday Let
Property | Reporter
10th April 2025
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Top 10 Coastal Investment Locations in the UK (ordered by price to income ratio) 7-9

7: Blackpool, Lancashire

- Average house price: £192,137

- Projected gross annual revenue as a private rental: £8,076

- Private PTI ratio: 23.8

- Projected gross annual revenue as a holiday let: £10,499

- Holiday-let PTI ratio: 18.3

- Flood risk: Moderate

Blackpool’s affordability makes it accessible for new investors, but a slightly longer return period means it suits those with a long-term vision the most.

8: Scarborough, North Yorkshire

- Average house price: £227,277

- Projected gross annual revenue as a private rental: £9,480

- Private PTI ratio: 24

- Projected gross annual revenue as a holiday let: £12,324

- Holiday-Let PTI ratio: 18.4

- Flood risk: Moderate

With stable rental demand and a moderate flood risk, Scarborough is an appealing coastal destination for investors seeking a balance of affordability and returns.

9: Aberystwyth, Wales

- Average house price: £330,869

- Projected gross annual revenue as a private rental: £13,776

- Private PTI ratio: 24

- Projected gross annual revenue as a holiday let: £17,909

- Holiday-Let PTI ratio: 18.5

- Flood risk: Low

Investors in Aberystwyth can expect a solid return, but a slightly longer PTI suggests it is best suited to those with a patient investment strategy.

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