Blackburn with Darwen vs Cumberland: buying or renting a home
A typical terraced house costs £3,000 (2%) more in Cumberland than in Blackburn with Darwen. Measured against local pay, buying is harder in Blackburn with Darwen: it takes 3.8× median annual pay, against 3.0× in Cumberland.
At a glance
| Blackburn with Darwen | Cumberland | |
|---|---|---|
| Buying a home | Fairly affordable | Affordable |
| Renting a home | Fairly affordable | Affordable |
| Recorded crime | About average | About average |
Buying rates the typical price of all homes against median pay; renting rates a year of average rent against median pay; crime rates recorded crime per resident against the England and Wales average.
What the numbers say
Median full-time pay in Cumberland (£42,461) is 28% higher than in Blackburn with Darwen (£33,076), while a typical terraced house costs 2% more (£128,000 against £125,000). Set against local pay, Cumberland is the easier of the two for a typical earner to buy in.
Buying a terraced house takes 3.8× annual pay in Blackburn with Darwen and 3.0× in Cumberland. Renting one takes 26% of pay in Blackburn with Darwen and 19% in Cumberland. Both are harder in Blackburn with Darwen, and the gap is wider for renting.
Across all property types and measured against pay, Blackburn with Darwen is the 24th least expensive of 316 areas to buy in, and Cumberland is the 2nd least expensive of 316 areas. For renting against pay, Blackburn with Darwen is the 46th least expensive of 316 areas and Cumberland is the least expensive of 316 areas.
Someone on £40,000 in Blackburn with Darwen would need about £41,000 in Cumberland to be equally placed to buy a terraced house, and about £37,500 to be equally placed to rent one. Keeping the same pay after a move to Cumberland would leave you worse placed to buy. These figures compare housing costs only; they ignore other living costs and the pay you could earn in a new job.
Police recorded 84.2 crimes per 1,000 residents in Blackburn with Darwen and 74.3 in Cumberland, so recorded crime per resident is 12% lower in Cumberland. The biggest difference is in vehicle offences: 6.1 per 1,000 in Blackburn with Darwen against 1.6 in Cumberland.
Can a typical earner buy?
| Terraced house | Blackburn with Darwen | Cumberland |
|---|---|---|
| Median full-time pay | £33,076 | £42,461 |
| House price ÷ pay | 3.8× | 3.0× |
| Median pay as a share of income typically needed to buy | 132% | 166% |
| Rent a year as a share of median pay | 26% | 19% |
Buying, by property type
| Type | Blackburn with Darwen | Cumberland | Difference |
|---|---|---|---|
| Detached | £305,500 | £305,000 | -0% in Cumberland |
| Semi-detached | £195,000 | £175,250 | -10% in Cumberland |
| Terraced | £125,000 | £128,000 | +2% in Cumberland |
Renting, by property type
| Type (average rent a month) | Blackburn with Darwen | Cumberland | Difference |
|---|---|---|---|
| Detached | £1,020 | £938 | -8% in Cumberland |
| Semi-detached | £766 | £759 | -1% in Cumberland |
| Terraced | £721 | £679 | -6% in Cumberland |
Crime
Police recorded 84.2 crimes per 1,000 residents in Blackburn with Darwen and 74.3 in Cumberland, so recorded crime per resident is 12% lower in Cumberland.
| Police recorded crime per 1,000 residents | Blackburn with Darwen | Cumberland | Difference |
|---|---|---|---|
| All recorded crime (excluding fraud) | 84.2 | 74.3 | -12% in Cumberland |
| Violence against the person | 36.6 | 33.2 | -9% in Cumberland |
| Sexual offences | 3.4 | 3.4 | -1% in Cumberland |
| Robbery | 0.9 | 0.3 | -71% in Cumberland |
| Residential burglary (per 1,000 households) | 5.6 | 2.6 | -54% in Cumberland |
| Vehicle offences | 6.1 | 1.6 | -73% in Cumberland |
| Theft from the person | 0.4 | 0.3 | -36% in Cumberland |
| Criminal damage and arson | 8.3 | 8.1 | -2% in Cumberland |
Rates use resident population, so city centres and student areas show higher crime per resident than residents experience. Recorded crime also depends on reporting and police recording practice.
How prices have changed in each area
Average house price for all property types, indexed so that 2005 is 100. A line at 200 means prices have doubled.
Show the figures
| Year | Blackburn with Darwen | Cumberland |
|---|---|---|
| 2005 | 100 | 100 |
| 2006 | 114 | 111 |
| 2007 | 127 | 120 |
| 2008 | 128 | 118 |
| 2009 | 115 | 111 |
| 2010 | 115 | 115 |
| 2011 | 110 | 111 |
| 2012 | 110 | 109 |
| 2013 | 107 | 109 |
| 2014 | 106 | 112 |
| 2015 | 110 | 112 |
| 2016 | 114 | 116 |
| 2017 | 120 | 119 |
| 2018 | 124 | 122 |
| 2019 | 128 | 121 |
| 2020 | 130 | 123 |
| 2021 | 144 | 132 |
| 2022 | 156 | 144 |
| 2023 | 160 | 145 |
| 2024 | 165 | 150 |
| 2025 | 182 | 156 |
| 12 months to July 2026 | 184 | 161 |
In 2005 the average home cost £87,708 in Blackburn with Darwen and £105,964 in Cumberland. Now it is £161,032 and £170,220: Blackburn with Darwen is up 84% and Cumberland is up 61%. Prices have risen faster in Blackburn with Darwen, so the gap between the two has narrowed.
How rents have changed in each area
Average monthly rent for all property types, indexed so that 2015 is 100.
Show the figures
| Year | Blackburn with Darwen | Cumberland |
|---|---|---|
| 2015 | 100 | 100 |
| 2016 | 101 | 101 |
| 2017 | 102 | 102 |
| 2018 | 104 | 104 |
| 2019 | 105 | 105 |
| 2020 | 106 | 106 |
| 2021 | 110 | 108 |
| 2022 | 114 | 111 |
| 2023 | 119 | 117 |
| 2024 | 131 | 125 |
| 2025 | 144 | 136 |
| August 2026 | 152 | 147 |
In 2015 the average rent was £470 a month in Blackburn with Darwen and £464 in Cumberland. Now it is £714 and £681: up 52% in Blackburn with Darwen and up 47% in Cumberland. Rents have risen faster in Blackburn with Darwen.
What your salary is worth in each area
Salary needed to afford the same kind of home (terraced), going by median prices and average rents.
Moving from Blackburn with Darwen to Cumberland
| Earning in Blackburn with Darwen | Equivalent to buy in Cumberland | Equivalent to rent in Cumberland |
|---|---|---|
| £30,000 | £30,500 | £28,500 |
| £40,000 | £41,000 | £37,500 |
| £50,000 | £51,000 | £47,000 |
| £60,000 | £61,500 | £56,500 |
Moving from Cumberland to Blackburn with Darwen
| Earning in Cumberland | Equivalent to buy in Blackburn with Darwen | Equivalent to rent in Blackburn with Darwen |
|---|---|---|
| £30,000 | £29,500 | £32,000 |
| £40,000 | £39,000 | £42,500 |
| £50,000 | £49,000 | £53,000 |
| £60,000 | £58,500 | £63,500 |