Pembrokeshire has the least affordable property prices in Wales.

Young people hoping to gain a foothold on the property ladder are finding it more and more difficult as they are priced out of the market; those who do buy, are taking out record loans and could find themselves in increasing debt.

Also, a recent report by Professor Steve Wilcox on behalf of the Joseph Rowntree Foundation, and launched by the Chartered Institute of Housing, shows that the crisis is deepening.

This indicates that the housing market affordability throughout Wales continued to worsen in 2005, with mortgage-cost-to-income-ratio very close to the peak level seen in 1990, the last year of the previous housing boom.

In Pembrokeshire, the average house price in 2005 was almost six times as much as average income.

The survey showed that the average cost of a house was £136,807 while the average earnings for a working household with a single earner aged between 20 and 39, was £448.70 a week -£23,332 a year.

But many young Pembrokeshire people earn much less than the Welsh average wage of £20,111, which was the lowest in Great Britain.

Neighbouring Ceredigion has the fourth least affordable housing. The average house price there is £142,940 with an average weekly wage of £552.02 and annual wage of £28,705, making a ratio of 4.98 to one.

But you would get a better deal as a first time buyer in Carmarthenshire, where average house prices were £114,793, and the average weekly wage £531.42 - £27,634 annually. The ratio there house price to income was 4.15 to one.

Since 2005, Pembrokeshire has seen an even bigger rise in house prices because of the number of holiday homes, people retiring to the area, and the need for extra housing for LNG workers.