Market outlook for L1
Key indicators for buyers
The L1 market looks favourable for buyers. Prices have softened (-59.9%), which could present a buying opportunity. 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
Yearly averages · HM Land Registry Price Paid Data
Prices by property type
2026averages · HM Land Registry Price Paid Data
Affordability ratio
House price ÷ median earnings · ONS data
Affordability data shown for wider Liverpool area
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
Rental data shown for wider Liverpool area
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
Based on the average Liverpool price of £145,500 with a 25% deposit (£36k), a 2-year fixed mortgage at 3.97% costs around £574 per month.
Rent vs buy snapshot
Monthly cost comparison based on current data
Uses L1 avg. price with Liverpool rental data
Monthly mortgage payments (£574) are £314 less than renting (£888). However, buying requires an upfront deposit of £36k — it would take around 5 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 |
|---|---|---|---|
APARTMENT 1101, 37, STRAND STREET L1 8ND | Flat/Maisonette | £220,000 | 16 Jan 2026 |
APARTMENT 4, 70A, BOLD STREET L1 4HR | Flat/Maisonette | £107,500 | 16 Jan 2026 |
APARTMENT 1, 5, HARDMAN STREET L1 9AS | Flat/Maisonette | £97,500 | 16 Jan 2026 |
FLAT 7, MANOLIS YARD, 8, COLQUITT STREET L1 4DE | Flat/Maisonette | £150,000 | 16 Jan 2026 |
APARTMENT 14, STATEN COURT, 84, TRADEWIND SQUARE L1 5BG | Flat/Maisonette | £115,000 | 9 Jan 2026 |
APARTMENT 72, ELYSIAN FIELDS, 21, COLQUITT STREET L1 4DR | Flat/Maisonette | £195,000 | 8 Jan 2026 |
FLAT 3, 1, HENRY STREET |
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
Contains HM Land Registry data © Crown copyright and database right 2021. This data is licensed under the Open Government Licence v3.0.