Dartford vs Liverpool: buying or renting a home
A typical terraced house costs £195,000 (118%) more in Dartford than in Liverpool. Measured against local pay, buying is harder in Dartford: it takes 8.2× median annual pay, against 4.4× in Liverpool.
At a glance
| Dartford | Liverpool | |
|---|---|---|
| Buying a home | Expensive | Fairly affordable |
| Renting a home | Very expensive | Fairly affordable |
| Recorded crime | – | 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 16% lower than in Dartford (£44,091), while a typical terraced house costs 54% less (£165,000 against £360,000). Set against local pay, Liverpool is the easier of the two for a typical earner to buy in.
Buying a terraced house takes 8.2× annual pay in Dartford and 4.4× in Liverpool. Renting one takes 43% of pay in Dartford and 30% in Liverpool. Both are harder in Dartford, and the gap is wider for buying.
Across all property types and measured against pay, Dartford is the 119th most expensive of 316 areas to buy in, and Liverpool is the 27th least expensive of 316 areas. For renting against pay, Dartford is the 61st most expensive of 316 areas and Liverpool is the 115th least expensive of 316 areas.
Someone on £40,000 in Dartford would need about £18,500 in Liverpool to be equally placed to buy a terraced house, and about £23,000 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.
Can a typical earner buy?
| Terraced house | Dartford | Liverpool |
|---|---|---|
| Median full-time pay | £44,091 | £37,144 |
| House price ÷ pay | 8.2× | 4.4× |
| Median pay as a share of income typically needed to buy | 61% | 113% |
| Rent a year as a share of median pay | 43% | 30% |
Buying, by property type
| Type | Dartford | Liverpool | Difference |
|---|---|---|---|
| Detached | £627,500 | £380,000 | -39% in Liverpool |
| Semi-detached | £437,500 | £240,000 | -45% in Liverpool |
| Terraced | £360,000 | £165,000 | -54% in Liverpool |
| Flat | £225,000 | £147,500 | -34% in Liverpool |
Renting, by property type
| Type (average rent a month) | Dartford | Liverpool | Difference |
|---|---|---|---|
| Detached | £2,297 | £1,225 | -47% in Liverpool |
| Semi-detached | £1,705 | £1,008 | -41% in Liverpool |
| Terraced | £1,578 | £917 | -42% in Liverpool |
| Flat | £1,277 | £786 | -38% in Liverpool |
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 | Dartford | Liverpool |
|---|---|---|
| 2005 | 100 | 100 |
| 2006 | 104 | 110 |
| 2007 | 113 | 117 |
| 2008 | 112 | 113 |
| 2009 | 98 | 104 |
| 2010 | 103 | 105 |
| 2011 | 101 | 101 |
| 2012 | 106 | 99 |
| 2013 | 109 | 99 |
| 2014 | 123 | 103 |
| 2015 | 139 | 107 |
| 2016 | 157 | 110 |
| 2017 | 167 | 115 |
| 2018 | 167 | 121 |
| 2019 | 168 | 123 |
| 2020 | 172 | 128 |
| 2021 | 178 | 148 |
| 2022 | 189 | 161 |
| 2023 | 192 | 163 |
| 2024 | 189 | 166 |
| 2025 | 193 | 179 |
| 12 months to July 2026 | 193 | 183 |
In 2005 the average home cost £182,505 in Dartford and £99,018 in Liverpool. Now it is £352,187 and £181,637: Dartford is up 93% and Liverpool is up 83%. Prices have risen faster in Dartford, 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 | Dartford | Liverpool |
|---|---|---|
| 2005 | 7.4 years of pay | 4.9 years of pay |
| 2010 | 6.5 years of pay | 4.3 years of pay |
| 2015 | 8.7 years of pay | 4.1 years of pay |
| 2020 | 8.3 years of pay | 4.1 years of pay |
| 2025 | 8.0 years of pay | 4.8 years of pay |
In 2005 a home cost 7.4 years of pay in Dartford and 4.9 years in Liverpool. In 2025 it was 8.0 years and 4.8 years.
Affordability has worsened more in Dartford 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 | Dartford | Liverpool |
|---|---|---|
| 2015 | 100 | 100 |
| 2016 | 106 | 103 |
| 2017 | 112 | 104 |
| 2018 | 114 | 104 |
| 2019 | 117 | 105 |
| 2020 | 118 | 106 |
| 2021 | 123 | 111 |
| 2022 | 129 | 119 |
| 2023 | 138 | 127 |
| 2024 | 151 | 138 |
| 2025 | 162 | 151 |
| August 2026 | 169 | 161 |
In 2015 the average rent was £934 a month in Dartford and £567 in Liverpool. Now it is £1,575 and £913: up 69% in Dartford and up 61% in Liverpool. Rents have risen faster in Dartford.
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 Dartford to Liverpool
| Earning in Dartford | Equivalent to buy in Liverpool | Equivalent to rent in Liverpool |
|---|---|---|
| £30,000 | £14,000 | £17,500 |
| £40,000 | £18,500 | £23,000 |
| £50,000 | £23,000 | £29,000 |
| £60,000 | £27,500 | £35,000 |
Moving from Liverpool to Dartford
| Earning in Liverpool | Equivalent to buy in Dartford | Equivalent to rent in Dartford |
|---|---|---|
| £30,000 | £65,500 | £51,500 |
| £40,000 | £87,500 | £69,000 |
| £50,000 | £109,000 | £86,000 |
| £60,000 | £131,000 | £103,000 |