Epping Forest is in the 10 least affordable places for mortgage costs outside London.
Homeowners in the district are spending 77.2 per cent of their net income on mortgage repayments, according to new analysis by Sell House Fast.
The data reveals that other areas nearby also feature prominently on the list, with Three Rivers, Hertsmere, and St Albans ranking among the least affordable.
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Jack Malnick, managing director at Sell House Fast, said: "A mortgage should feel like a long-term investment, not a monthly source of stress. If your repayments are eating up more than 30% of your income, that’s often a sign you’re overextended.
"When essential expenses like food, bills, or savings start slipping, it’s time to reassess – whether that’s by switching to a better deal, adjusting your budget, or exploring a quicker sale if you’re really struggling."
Mr Malnick said his company regularly speaks to homeowners feeling the strain of rising costs and suggested that a fast cash sale could provide a solution for some. He encouraged homeowners to take early action.
Mr Malnick added: "The key thing to remember is that there’s always a way through.
"Whether you’re looking to remortgage or sell up entirely, it’s important to take action early before the situation becomes overwhelming."
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