This is despite the fact that the average house price in Britain has risen 21pc in the same period. In some areas, property prices are still below what they were, but in other areas property prices have continued to increase, just not at the speed of earnings.
The gap between the least and most affordable parts of Britain has nearly doubled since the start of the economic downturn, Britain's second-biggest building society has found.
Mr McPhillips added: "Unsurprisingly, the data shows that there is a distinct divide between the north and south of the country when it comes to housing affordability, but this has become even more pronounced since the financial crash".
But the regional picture is more varied with an improvement in Scotland and Wales of 18.9 per cent and 17.2 per cent respectively, and a decline of 3.3 per cent in England.
Ten years ago, the financial crisis upended the housing market.
Across London and much of southern England, it has become "increasingly hard for first-time buyers and those wanting to move up the housing ladder", said Andrew McPhillips, chief economist at the Yorkshire Building Society.
This is a relatively narrow definition of "affordability" as it ignores issues such as falling mortgage rates and the decreasing proportion of disposable income that is spent on home loan repayments.
Also among the most affordable areas is Burnley in the north west of England, where the average house price has fallen from £94,174 to £77,629.
In Scotland, wages rose faster - with the current house price five times the size of typical average earnings in Scotland, compared with 6.2 times in 2007.
According to Yorkshire Building Society's analysis, housing in Newcastle-upon-Tyne is 26% more affordable than a decade ago.
The report shows that elsewhere in the country many areas are still unaffordable to first time buyers, with the average price of a home now more than 20 times the average wage in some parts of London.
The worst areas are Three Rivers, Hertfordshire and Haringey, London where affordability is down 61 per cent over the past decade.