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The Halifax Rural Areas Quality of Life Survey tracks where living standards are highest in Great Britain by ranking local performance across key indicators covering the labour market, the housing market, the environment, education and health. The survey examines all 119 rural local authority districts and is based on data at local authority district (LAD) level. Data has been gathered from a number of sources, including Halifax, Point Topic (Broadband data), ONS, DEFRA, the Met Office, the Department for Transport, Department of Children, Schools and Families, the Department of Energy and Climate Change, the Welsh Assembly, Northern Ireland Government and the Scottish Executive. CAMBRIDGESHIRE TOPS ANNUAL RURAL AREAS QUALITY OF LIFE SURVEY Residents of East Cambridgeshire have the best quality of life of any rural area in Great Britain, according to the latest Halifax Rural Areas Quality of Life Survey. In fact, Cambridgeshire occupies two of the top three positions, with neighbouring South Cambridgeshire - last year's winner - in third place. Wychavon in Worcestershire in second place separates the two Cambridgeshire areas. Why East Cambridgeshire is a great place to live. Residents tend to be fit and well with 93% reporting general good health, and have the joint highest life expectancy amongst rural areas where life expectancy is 4 years more than the UK average. The employment rate is high, at 79%, and many residents enjoy relatively high incomes with weekly average earnings of 707. Residents also have the lowest domestic CO 2 emissions of all rural local area districts On top of all this, enjoying a high quality of life in East Cambridgeshire does not come at a particularly high cost either. The average house price in the area is 5.3 times local annual gross earnings, which is below the average house price to earnings ratio for all rural areas of 5.9. Martin Ellis, housing economist at Halifax, commented: In recent years, East Cambridgeshire has performed consistently well against a wide range of indicators to demonstrate that its residents have amongst the best quality of life in rural Britain. In particular, health and life expectancy in East Cambridgeshire are amongst the highest of all rural areas. Even the rain falls less than the national average, adding to the general high performance of East Cambridgeshire in employment, average earnings and low CO 2 emissions. In addition, average house prices relative to local earnings in the area are below the average for rural areas, highlighting that a high standard of living doesn t have to come at a high price." Rural residents in the South East typically enjoy a good quality of life Elsewhere, almost a third (15) of the 50 rural local authority districts (LADs) with the highest quality of life are in the South East. The South East is followed by the East of England (13) and the East Midlands (12). The remaining LADs in the top 50 are in South West (4), Yorkshire & the Humber (3), Scotland (2) and the West Midlands (1). 1

Rural areas in the North tend to receive high ratings on school exam results, environmental measures (such as low population densities and low traffic flows) and lower house prices compared to local earnings. Rural areas in the south of England typically perform better on average earnings, employment, health and weather. Key Facts Employment is highest in Shetland Islands (83.8%) followed by East Northamptonshire (82.0%). Also scoring well are Test Valley (81.4%) and Forest Heath, South Derbyshire and Aberdeenshire (all 80.9%). Average earnings are highest in Chiltern ( 893 per week) followed by Waverley ( 857), South Oxfordshire ( 825), and East Hertfordshire ( 814). The biggest homes are in Forest of Dean in the South West where the average house in this district has 9.0 rooms followed by Wychavon (7.4) and Derbyshire Dales (7.0). The lowest percentage of vacant properties is in Waveney (0.1%). Three-quarters of rural local authority areas have 2.0% or less vacant homes. The most affordable rural local authority district for residential property is Pendle with an average house price to annual gross earnings ratio of 3.5, followed by East Ayrshire (3.7) and North Lincolnshire (3.8). East Hertfordshire in the East of England has the highest level of good broadband access with 87% having a download speed of at least 2Mbps. Rushcliffe in the East Midlands (86%) and East Hampshire (84%) have the next highest levels. Traffic flows are lowest in Scotland, which has 8 of the 10 best ranked districts on this measure. The lowest traffic levels are in the Western Isles, the Highlands, Argyll and Bute, Orkney Islands, Shetland Islands, Scottish Borders, Dumfries & Galloway and Moray. The lowest burglary rates per 10,000 households are in the Western Isles (3.8) followed by Orkney Islands (5.0), West Devon (7.8) and North Norfolk (7.9). The lowest per person CO 2 emissions are in East Cambridgshire, South Derbyshire and Waveney (all 2.0 tonnes). Rutland, Tendring and North Kesteven have the next lowest emissions - all three areas emit an average of 2.1 tonnes per person compared with the national average of 2.21 tonnes. The lowest population density in Britain is in the Western Isles and the Highlands (both have 9 persons per square km). Thanet has the highest density with an average of 1,279 persons per square km. 2

The lowest average annual rainfall is in Maldon in Essex (552 mm). Seven of the ten driest districts in Great Britain are in the East of England. The sunniest place in Great Britain is the Isle of Wight where residents enjoy an average of 37.4 hours of sunshine a week. Good health scores are highest in South Cambridgeshire, Chiltern, South Oxfordshire, and West Berkshire with 95% of households rating themselves in good or fairly good health. Six out of the top ten areas on this measure are in the South East. Life expectancy is highest in East Cambridgeshire, North Dorset, East Dorset and Rutland (all 82 years), followed by South Cambridgeshire and Purbeck in Dorset (both 81 years). Four of the top ten in this category are local authority districts in the South West. Primary school class sizes are smallest in the Western Isles (14 pupils), followed by Orkney Islands and Shetland Islands (both 17). Eight of the ten local authority areas with the smallest average primary school class sizes are in the Scotland and two are in the Wales. The best GCSE results in England are in Herefordshire, Malvern Hills, and Wychavon. In all three areas, 86% of 15 to16 year olds achieved five or more GCSE results, grades A-C. In Scotland, the highest results for 16 year olds gaining five ore more awards at SCQF level 4 are in Shetland Islands (91%) and Orkney Islands (85%). In Wales, pupils in Ceredigion had the best GCSE results (65%). 3

Table 1: Quality of Life Rankings the top 50 Rural Areas in 2011 Local Authority District Region Quality of Life Ranking 2011 East Cambridgeshire East of England 1 Wychavon West Midlands 2 South Cambridgeshire East of England 3 East Hertfordshire East of England 4 Waverley South East 5 Aylesbury Vale South East 6 Rushcliffe East Midlands 7 Uttlesford East of England 8 Rutland East Midlands 9 Chiltern South East 10 Huntingdonshire East of England 11 South Oxfordshire South East 12 North Kesteven East Midlands 13 Test Valley South East 14 Mid Sussex South East 15 Vale of White Horse South East 16 Maldon East of England 17 Tonbridge and Malling South East 18 East Northamptonshire East Midlands 19 South Kesteven East Midlands 20 Tandridge South East 21 South Northamptonshire East Midlands 22 West Berkshire South East 23 West Oxfordshire South East 24 Harborough East Midlands 25 St Edmundsbury East of England 26 Selby Yorkshire and The Humber 27 Forest Heath East of England 28 Tewkesbury South West 29 Suffolk Coastal East of England 30 Wealden South East 31 East Hampshire South East 32 Melton East Midlands 33 Forest of Dean South West 34 South Holland East Midlands 35 Mid Suffolk East of England 36 East Riding of Yorkshire Yorkshire and The Humber 37 4

Local Authority District Region Quality of Life Ranking 2011 Shepway South East 38 Wiltshire South West 39 Broadland East of England 40 Shetland Islands Scotland 41 South Derbyshire East Midlands 42 East Dorset South West 43 New Forest South East 44 Babergh East of England 45 Aberdeenshire Scotland 46 North West Leicestershire East Midlands 47 Hambleton Yorkshire and The Humber 48 South Norfolk East of England 49 Derbyshire Dales East Midlands 50 Table 2: Rural Areas with the Best Quality of Life in each region, 2011 Local Authority District Region Quality of Life ranking 2011 Rushcliffe East Midlands 7 East Cambridgeshire East of England 1 Northumberland North East 64 Ribble Valley North West 84 Shetland Islands Scotland 41 Waverley South East 5 Tewkesbury South West 29 Monmouthshire Wales 88 Wychavon West Midlands 2 Selby Yorkshire and The Humber 27 5

Table 3: Rural Areas with the Best Quality of Life in each category Local Authority Group Variable District Region Labour Highest employment rate: 83.8 Shetland Islands Scotland Highest gross weekly Earnings: 893 Chiltern South East Housing Highest average number of rooms in house: 9.0 Forest of Dean South West Largest % of houses with central heating: 90% Western Isles Scotland Lowest House prices to Earnings ratio: 3.5 Pendle North West % of households with good level of broadband access (i.e. a minimum download speed of 2Mbps): 87% East Hertfordshire East of England Urban environment Lowest Population density per sqr km: 9 Western Isles and Highlands Scotland Lowest traffic flows per square km:65 cars /km Western Isles Scotland Lowest burglary rate per 10,000 population: 3.8 per 10,000 people Western Isles Scotland Lowest % of vacant properties: 0.1% Waveney East of England Lowest Domestic CO 2 Emissions: 2.0 per person East Cambridgeshire, Waveney and South Derbyshire East of England and East Midlands Physical environment Lowest average annual rainfall: 552 mm Maldon East of England Highest average weekly sunshine hours:37.4 hours Isle of Wight South East Health Education Editors' Notes: Highest % of residents in good health: 95% South Cambridgeshire, South Oxfordshire, Chiltern and West Berkshire East Cambridgeshire Rutland, North Dorset and East Dorset East of England and South East East of England, East Midlands and South West Longest life expectancy at birth for males: 82 years Lowest average number of pupils in primary school class:14.4 Western Isles Scotland Highest % of 15yr olds with 5 or more GCSEs A-C grade:91% Shelands Islands Scotland The Quality of Life index aims to quantify where living standards are highest in Great Britain by ranking local performance across a range of indicators, including the labour market, the housing market, the environment, education and health. The index has been produced at a local authority 6

level for 119 rural LADs in Great Britain. The number of local authority districts has fallen from 140 in the 2010 survey as a result of structural changes to local governments in April 2009, when a number of new unitary authorities were created by amalgamating district councils. The quality of life reading for each local authority district has been created by summing scores across 17 variables within six broad groups. Each local authority district is given a score out of ten for each variable contained in the index. Scores within each of the broad groups are averaged and then the six group scores are summed to create an overall quality of life score. This analysis was undertaken using the Office for National Statistics (ONS) Urban Rural classification. This classification defines an area as a Rural Area if it lies in a town or village of less than 10,000, or as an urban area if it lies in a town or city of 10,000 or more residents. A rural local authority district is one where the majority of these residents live in rural areas. See separate technical note for more information on methodology of index and data sources. Group Variable Period covered Labour Employment rate % April 2010- March 2011 Gross weekly Earnings s April 2011 Housing Number of rooms in house 12 months to October 2011 - % of houses with central heating and sole use of bathroom 12 months to October 2011 - House prices to Earnings ratio 12 months to October 2011 - Households with a good level of broadband access (i.e. a download speed of at least 2Mbps): December 2010 Urban environment Population density per square km 2010 ONS; 2008 for Northern Ireland Traffic flows per square km 2010 Burglary rate per 10,000 population 2010/11- % of Vacant Properties 2011 England and Wales, 2010 Scotland, Northern Ireland CO 2 Emissions per tonne per capita 2011 Department of Energy and Climate Change (covers period 2005-2009) Physical environment Average annual rainfall mm Average 2001/2008 Annual sunshine hours Average 2001/2008 Health % in good or fairly good health 2001 Census Life expectancy at birth for males 2008/10 Education Number of pupils in primary school class % of 15yr+ olds with 5 or more GCSEs A-C grade or Scottish equivalent 2011 January England;2010/11Wales 2009 Scotland; and 2010/11 Northern Ireland 2010/11 England; 2009/10 Wales, Scotland and Northern Ireland. 7

"This report is prepared from information that we believe is collated with care, however, it is only intended to highlight issues and it is not intended to be comprehensive. We reserve the right to vary our methodology and to edit or discontinue/withdraw this, or any other report. Any use of this report for an individual's own or third party commercial purposes is done entirely at the risk of the person making such use and solely the responsibility of the person or persons making such reliance." Ends For further information please contact Helpline No: 08456 045404 Email: housingeconomics@lloydsbanking.com 8