Market outlook for Wirral
Key indicators for buyers
The Wirral market is moderately favourable for buyers. Prices are rising at 8.8%, which may favour acting sooner rather than later. Affordability has improved from a peak of 7.3x in 2021 to 6.1x today. Rising rents (£827/mo, +6.3%) mean the cost of waiting is real.
Price trends
Average sale prices · HM Land Registry / UK HPI
Affordability ratio
House price ÷ median earnings · ONS data
A home in Wirral costs 6.1x the local median salary — moderate, improving from a peak of 7.3x in 2021.
Rental trends
Average monthly rent · ONS Private Rental Index
Average monthly rent in Wirral is £827, up 6.3% 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 Wirral price of £222,992 with a 25% deposit (£56k), a 2-year fixed mortgage at 3.97% costs around £880 per month.
Rent vs buy snapshot
Monthly cost comparison based on current data
Monthly mortgage payments (£880) are £53 more than renting (£827). However, buying requires an upfront deposit of £56k — it would take around 10 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 |
|---|---|---|---|
242, IRBY ROAD CH61 2XG | Detached | £395,000 | 26 Jan 2026 |
25, MERLIN ROAD CH42 9QG | Terraced | £180,000 | 26 Jan 2026 |
16, BIG MEADOW ROAD CH49 9AQ | Terraced | £121,000 | 23 Jan 2026 |
89, WOODVILLE ROAD CH42 9LX | Terraced | £69,000 | 23 Jan 2026 |
35, THINGWALL ROAD EAST CH61 3UY | Semi-detached | £281,000 | 23 Jan 2026 |
54, SILVERLEA AVENUE CH45 4QX | Terraced | £125,000 | 23 Jan 2026 |
24, SALISBURY DRIVE CH62 1BD | Terraced | £140,000 |
Explore postcodes in Wirral
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
Contains HM Land Registry data © Crown copyright and database right 2021. This data is licensed under the Open Government Licence v3.0.