Liverpool

Data from Land Registry, ONS, Bank of England

Compare with another area →

Avg. price

£181,665

↑ +6.5% YoY

Affordability

4.68x

↑ price-to-earnings

Avg. rent

£888/mo

↑ +6.6% YoY

Market outlook for Liverpool

Key indicators for buyers

Prices rising+6.5% YoYMay be harder to negotiate

Affordable4.7xImproving from 5.2x in 2007

Rates favourable3.97%2yr fixed, 75% LTV

Market quiet-6% YoYLess competition

Rents rising fast+6.6% YoYWaiting costs more (£888/mo)

The Liverpool market looks favourable for buyers. Prices are rising at 6.5%, which may favour acting sooner rather than later. Affordability has improved from a peak of 5.2x in 2007 to 4.7x today. Rising rents (£888/mo, +6.6%) mean the cost of waiting is real.

Price trends

Average sale prices · HM Land Registry / UK HPI

£181,665

↑ +6.5% YoY

Affordability ratio

House price ÷ median earnings · ONS data

4.68x

price-to-earnings

A home in Liverpool costs 4.7x the local median salary — relatively affordable, improving from a peak of 5.2x in 2007.

Rental trends

Average monthly rent · ONS Private Rental Index

£888/mo

↑ +6.6% YoY

Average monthly rent in Liverpool is £888, up 6.6% year-on-year. Rents have risen consistently over the past five years.

Monthly mortgage

2yr fixed · 75% LTV · 25yr term · BoE avg. rate

£717

per month at 3.97%

LTV

Term

Deposit (25%)

£45k

Stamp duty

£0

Based on the average Liverpool price of £181,665 with a 25% deposit (£45k), a 2-year fixed mortgage at 3.97% costs around £717 per month.

Rent vs buy snapshot

Monthly cost comparison based on current data

Renting

£888

per month

0% equity built

Buying (mortgage)

£717

per month

£171 less than renting

Breakeven

6yr

to recoup deposit

vs renting + investing

Monthly mortgage payments (£717) are £171 less than renting (£888). However, buying requires an upfront deposit of £45k — it would take around 6 years to recoup that cost compared to renting and investing the difference.

Recent sales

Latest transactions · HM Land Registry Price Paid Data

Address	Type	Price	Date
FLAT 59, 44, PALL MALL L3 6EL	Flat/Maisonette	£143,500	26 Jan 2026
78, SOUTH STATION ROAD L25 3QQ	Semi-detached	£310,000	23 Jan 2026
3, DUNDALE ROAD L13 5TP	Terraced	£175,000	23 Jan 2026
33, QUEENS DRIVE, WEST DERBY L13 0AA	Terraced	£212,500	23 Jan 2026
103, BLANTYRE ROAD L15 3HT	Terraced	£197,500	23 Jan 2026
69, ST DOMINGO GROVE L5 6RP	Semi-detached	£102,000	23 Jan 2026
72, ALBERT EDWARD ROAD L7 8RZ	Terraced

Explore postcodes in Liverpool

24postcode districts · Click for detailed prices

Data sources (all free & public): HM Land Registry Price Paid Data & UK House Price Index · ONS Housing Affordability Ratios · ONS Private Rental Index · Bank of England Quoted Household Interest Rates · HMRC Monthly Property Transactions