Buckinghamshire vs Liverpool: buying or renting a home
A typical terraced house costs £205,000 (124%) more in Buckinghamshire than in Liverpool. Measured against local pay, buying is harder in Buckinghamshire: it takes 8.5× median annual pay, against 4.4× in Liverpool.
At a glance
| Buckinghamshire | Liverpool | |
|---|---|---|
| Buying a home | Expensive | Fairly affordable |
| Renting a home | Very expensive | Fairly affordable |
| Recorded crime | Low | Above 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 Liverpool (£37,144) is 14% lower than in Buckinghamshire (£43,290), while a typical terraced house costs 55% less (£165,000 against £370,000). Set against local pay, Liverpool is the easier of the two for a typical earner to buy in.
Buying a terraced house takes 8.5× annual pay in Buckinghamshire and 4.4× in Liverpool. Renting one takes 39% of pay in Buckinghamshire and 30% in Liverpool. Both are harder in Buckinghamshire, and the gap is wider for buying.
Across all property types and measured against pay, Buckinghamshire is the 37th most expensive of 316 areas to buy in, and Liverpool is the 27th least expensive of 316 areas. For renting against pay, Buckinghamshire is the 73rd most expensive of 316 areas and Liverpool is the 115th least expensive of 316 areas.
Someone on £40,000 in Buckinghamshire would need about £18,000 in Liverpool to be equally placed to buy a terraced house, and about £26,000 to be equally placed to rent one. Keeping the same pay after a move to Liverpool would leave you better 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 53.6 crimes per 1,000 residents in Buckinghamshire and 124.1 in Liverpool, so recorded crime per resident in Liverpool is 2.3 times the rate in Buckinghamshire. The biggest difference is in violence against the person: 20.0 per 1,000 in Buckinghamshire against 45.6 in Liverpool.
Can a typical earner buy?
| Terraced house | Buckinghamshire | Liverpool |
|---|---|---|
| Median full-time pay | £43,290 | £37,144 |
| House price ÷ pay | 8.5× | 4.4× |
| Median pay as a share of income typically needed to buy | 59% | 113% |
| Rent a year as a share of median pay | 39% | 30% |
Buying, by property type
| Type | Buckinghamshire | Liverpool | Difference |
|---|---|---|---|
| Detached | £725,000 | £380,000 | -48% in Liverpool |
| Semi-detached | £450,000 | £240,000 | -47% in Liverpool |
| Terraced | £370,000 | £165,000 | -55% in Liverpool |
| Flat | £245,000 | £147,500 | -40% in Liverpool |
Renting, by property type
| Type (average rent a month) | Buckinghamshire | Liverpool | Difference |
|---|---|---|---|
| Detached | £2,163 | £1,225 | -43% in Liverpool |
| Semi-detached | £1,578 | £1,008 | -36% in Liverpool |
| Terraced | £1,421 | £917 | -35% in Liverpool |
| Flat | £1,211 | £786 | -35% in Liverpool |
Crime
Police recorded 53.6 crimes per 1,000 residents in Buckinghamshire and 124.1 in Liverpool, so recorded crime per resident in Liverpool is 2.3 times the rate in Buckinghamshire.
| Police recorded crime per 1,000 residents | Buckinghamshire | Liverpool | Difference |
|---|---|---|---|
| All recorded crime (excluding fraud) | 53.6 | 124.1 | +131% in Liverpool |
| Violence against the person | 20.0 | 45.6 | +128% in Liverpool |
| Sexual offences | 2.2 | 4.1 | +86% in Liverpool |
| Robbery | 0.6 | 1.6 | +155% in Liverpool |
| Residential burglary (per 1,000 households) | 4.2 | 6.1 | +45% in Liverpool |
| Vehicle offences | 3.9 | 5.3 | +36% in Liverpool |
| Theft from the person | 0.3 | 1.2 | +250% in Liverpool |
| Criminal damage and arson | 4.7 | 10.3 | +119% in Liverpool |
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 | Buckinghamshire | Liverpool |
|---|---|---|
| 2005 | 100 | 100 |
| 2006 | 105 | 110 |
| 2007 | 116 | 117 |
| 2008 | 115 | 113 |
| 2009 | 103 | 104 |
| 2010 | 112 | 105 |
| 2011 | 114 | 101 |
| 2012 | 116 | 99 |
| 2013 | 119 | 99 |
| 2014 | 129 | 103 |
| 2015 | 142 | 107 |
| 2016 | 159 | 110 |
| 2017 | 167 | 115 |
| 2018 | 168 | 121 |
| 2019 | 166 | 123 |
| 2020 | 166 | 128 |
| 2021 | 172 | 148 |
| 2022 | 186 | 161 |
| 2023 | 187 | 163 |
| 2024 | 188 | 166 |
| 2025 | 191 | 179 |
| 12 months to July 2026 | 193 | 183 |
In 2005 the average home cost £250,315 in Buckinghamshire and £99,018 in Liverpool. Now it is £482,203 and £181,637: Buckinghamshire is up 93% and Liverpool is up 83%. Prices have risen faster in Buckinghamshire, so the gap between the two has widened.
Buying a home against local pay, over time
Average house price divided by median full-time pay. Higher means harder to afford.
Show the figures
| Year | Buckinghamshire | Liverpool |
|---|---|---|
| 2005 | 9.3 years of pay | 4.9 years of pay |
| 2010 | 8.8 years of pay | 4.3 years of pay |
| 2015 | 11.0 years of pay | 4.1 years of pay |
| 2020 | 11.5 years of pay | 4.1 years of pay |
| 2025 | 11.1 years of pay | 4.8 years of pay |
In 2005 a home cost 9.3 years of pay in Buckinghamshire and 4.9 years in Liverpool. In 2025 it was 11.1 years and 4.8 years.
Affordability has worsened more in Buckinghamshire over that time.
How rents have changed in each area
Average monthly rent for all property types, indexed so that 2015 is 100.
Show the figures
| Year | Buckinghamshire | Liverpool |
|---|---|---|
| 2015 | 100 | 100 |
| 2016 | 106 | 103 |
| 2017 | 109 | 104 |
| 2018 | 110 | 104 |
| 2019 | 112 | 105 |
| 2020 | 113 | 106 |
| 2021 | 113 | 111 |
| 2022 | 123 | 119 |
| 2023 | 129 | 127 |
| 2024 | 138 | 138 |
| 2025 | 142 | 151 |
| August 2026 | 148 | 161 |
In 2015 the average rent was £998 a month in Buckinghamshire and £567 in Liverpool. Now it is £1,475 and £913: up 48% in Buckinghamshire and up 61% in Liverpool. Rents have risen faster in Liverpool.
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 Buckinghamshire to Liverpool
| Earning in Buckinghamshire | Equivalent to buy in Liverpool | Equivalent to rent in Liverpool |
|---|---|---|
| £30,000 | £13,500 | £19,500 |
| £40,000 | £18,000 | £26,000 |
| £50,000 | £22,500 | £32,500 |
| £60,000 | £27,000 | £38,500 |
Moving from Liverpool to Buckinghamshire
| Earning in Liverpool | Equivalent to buy in Buckinghamshire | Equivalent to rent in Buckinghamshire |
|---|---|---|
| £30,000 | £67,500 | £46,500 |
| £40,000 | £89,500 | £62,000 |
| £50,000 | £112,000 | £77,500 |
| £60,000 | £134,500 | £93,000 |