Market outlook for L13
Key indicators for buyers
The L13 market is moderately favourable for buyers. Prices are rising at 10.5%, 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
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 £175,386 with a 25% deposit (£44k), a 2-year fixed mortgage at 3.97% costs around £692 per month.
Rent vs buy snapshot
Monthly cost comparison based on current data
Uses L13 avg. price with Liverpool rental data
Monthly mortgage payments (£692) are £196 less than renting (£888). However, buying requires an upfront deposit of £44k — 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 |
|---|---|---|---|
33, QUEENS DRIVE, WEST DERBY L13 0AA | Terraced | £212,500 | 23 Jan 2026 |
3, DUNDALE ROAD L13 5TP | Terraced | £175,000 | 23 Jan 2026 |
7, HIGHFIELD SQUARE L13 3BL | Semi-detached | £261,250 | 21 Jan 2026 |
16, ULSTER ROAD L13 5SS | Terraced | £110,000 | 20 Jan 2026 |
11, GOUGH ROAD L13 9AU | Semi-detached | £175,000 | 19 Jan 2026 |
75, OAKHILL ROAD, OLD SWAN L13 5UF | Terraced | £169,000 | 19 Jan 2026 |
59, SUTTON STREET L13 7EG | Terraced | £97,500 |
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.