Ceredigion vs Liverpool: buying or renting a home
A typical terraced house costs £12,500 (8%) more in Ceredigion than in Liverpool. Measured against local pay, buying is harder in Ceredigion: it takes 5.3× median annual pay, against 4.4× in Liverpool.
At a glance
| Ceredigion | Liverpool | |
|---|---|---|
| Buying a home | Fairly affordable | Fairly affordable |
| Renting a home | Fairly affordable | 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 12% higher than in Ceredigion (£33,299), while a typical terraced house costs 7% less (£165,000 against £177,500). Set against local pay, Liverpool is the easier of the two for a typical earner to buy in.
Buying a terraced house takes 5.3× annual pay in Ceredigion and 4.4× in Liverpool. Renting one takes 28% of pay in Ceredigion and 30% in Liverpool. The two measures point different ways: buying is harder in Ceredigion, but renting takes a bigger share of pay in Liverpool.
Across all property types and measured against pay, Ceredigion is the 125th least expensive of 316 areas to buy in, and Liverpool is the 27th least expensive of 316 areas. For renting against pay, Ceredigion is the 51st least expensive of 316 areas and Liverpool is the 115th least expensive of 316 areas.
Someone on £40,000 in Ceredigion would need about £37,000 in Liverpool to be equally placed to buy a terraced house, and about £47,500 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 55.1 crimes per 1,000 residents in Ceredigion and 124.1 in Liverpool, so recorded crime per resident in Liverpool is 2.3 times the rate in Ceredigion. The biggest difference is in vehicle offences: 0.8 per 1,000 in Ceredigion against 5.3 in Liverpool.
Can a typical earner buy?
| Terraced house | Ceredigion | Liverpool |
|---|---|---|
| Median full-time pay | £33,299 | £37,144 |
| House price ÷ pay | 5.3× | 4.4× |
| Median pay as a share of income typically needed to buy | 94% | 113% |
| Rent a year as a share of median pay | 28% | 30% |
Buying, by property type
| Type | Ceredigion | Liverpool | Difference |
|---|---|---|---|
| Detached | £304,500 | £380,000 | +25% in Liverpool |
| Semi-detached | £200,000 | £240,000 | +20% in Liverpool |
| Terraced | £177,500 | £165,000 | -7% in Liverpool |
Renting, by property type
| Type (average rent a month) | Ceredigion | Liverpool | Difference |
|---|---|---|---|
| Detached | £821 | £1,225 | +49% in Liverpool |
| Semi-detached | £731 | £1,008 | +38% in Liverpool |
| Terraced | £771 | £917 | +19% in Liverpool |
Crime
Police recorded 55.1 crimes per 1,000 residents in Ceredigion and 124.1 in Liverpool, so recorded crime per resident in Liverpool is 2.3 times the rate in Ceredigion.
| Police recorded crime per 1,000 residents | Ceredigion | Liverpool | Difference |
|---|---|---|---|
| All recorded crime (excluding fraud) | 55.1 | 124.1 | +125% in Liverpool |
| Violence against the person | 24.8 | 45.6 | +84% in Liverpool |
| Sexual offences | 3.6 | 4.1 | +14% in Liverpool |
| Robbery | 0.1 | 1.6 | +2229% in Liverpool |
| Residential burglary (per 1,000 households) | 2.8 | 6.1 | +118% in Liverpool |
| Vehicle offences | 0.8 | 5.3 | +556% in Liverpool |
| Theft from the person | 0.2 | 1.2 | +467% in Liverpool |
| Criminal damage and arson | 5.6 | 10.3 | +83% 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 | Ceredigion | Liverpool |
|---|---|---|
| 2005 | 100 | 100 |
| 2006 | 105 | 110 |
| 2007 | 112 | 117 |
| 2008 | 107 | 113 |
| 2009 | 103 | 104 |
| 2010 | 109 | 105 |
| 2011 | 104 | 101 |
| 2012 | 101 | 99 |
| 2013 | 100 | 99 |
| 2014 | 105 | 103 |
| 2015 | 106 | 107 |
| 2016 | 106 | 110 |
| 2017 | 110 | 115 |
| 2018 | 113 | 121 |
| 2019 | 114 | 123 |
| 2020 | 120 | 128 |
| 2021 | 132 | 148 |
| 2022 | 151 | 161 |
| 2023 | 152 | 163 |
| 2024 | 151 | 166 |
| 2025 | 149 | 179 |
| 12 months to July 2026 | 154 | 183 |
In 2005 the average home cost £157,279 in Ceredigion and £99,018 in Liverpool. Now it is £242,636 and £181,637: Ceredigion is up 54% and Liverpool is up 83%. Prices have risen faster in Liverpool, so the gap between the two has narrowed.
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 | Ceredigion | Liverpool |
|---|---|---|
| 2005 | – | 4.9 years of pay |
| 2010 | 8.1 years of pay | 4.3 years of pay |
| 2015 | 7.6 years of pay | 4.1 years of pay |
| 2020 | 7.2 years of pay | 4.1 years of pay |
| 2025 | 7.0 years of pay | 4.8 years of pay |
In 2010 a home cost 8.1 years of pay in Ceredigion and 4.3 years in Liverpool. In 2025 it was 7.0 years and 4.8 years.
Affordability has worsened more in Liverpool 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 | Ceredigion | Liverpool |
|---|---|---|
| 2015 | 100 | 100 |
| 2016 | 101 | 103 |
| 2017 | 102 | 104 |
| 2018 | 101 | 104 |
| 2019 | 103 | 105 |
| 2020 | 103 | 106 |
| 2021 | 104 | 111 |
| 2022 | 105 | 119 |
| 2023 | 110 | 127 |
| 2024 | 117 | 138 |
| 2025 | 124 | 151 |
| August 2026 | 131 | 161 |
In 2015 the average rent was £554 a month in Ceredigion and £567 in Liverpool. Now it is £723 and £913: up 31% in Ceredigion 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 Ceredigion to Liverpool
| Earning in Ceredigion | Equivalent to buy in Liverpool | Equivalent to rent in Liverpool |
|---|---|---|
| £30,000 | £28,000 | £35,500 |
| £40,000 | £37,000 | £47,500 |
| £50,000 | £46,500 | £59,500 |
| £60,000 | £56,000 | £71,500 |
Moving from Liverpool to Ceredigion
| Earning in Liverpool | Equivalent to buy in Ceredigion | Equivalent to rent in Ceredigion |
|---|---|---|
| £30,000 | £32,500 | £25,000 |
| £40,000 | £43,000 | £33,500 |
| £50,000 | £54,000 | £42,000 |
| £60,000 | £64,500 | £50,500 |