Derby vs Liverpool: buying or renting a home
A typical terraced house costs £0 (0%) more in Derby than in Liverpool. Measured against local pay, buying is about equally hard in both.
At a glance
| Derby | Liverpool | |
|---|---|---|
| Buying a home | Fairly affordable | Fairly affordable |
| Renting a home | Fairly affordable | Fairly affordable |
| Recorded crime | Above average | 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 2% higher than in Derby (£36,428), while a typical terraced house costs the same (£165,000 against £165,000).
Buying a terraced house takes 4.5× annual pay in Derby and 4.4× in Liverpool. Renting one takes 28% of pay in Derby and 30% in Liverpool. Renting is harder in Liverpool; buying is about the same.
Across all property types and measured against pay, Derby is the 56th least expensive of 316 areas to buy in, and Liverpool is the 27th least expensive of 316 areas. For renting against pay, Derby is the 92nd least expensive of 316 areas and Liverpool is the 115th least expensive of 316 areas.
Someone on £40,000 in Derby would need about £40,000 in Liverpool to be equally placed to buy a terraced house, and about £43,500 to be equally placed to rent one. These figures compare housing costs only; they ignore other living costs and the pay you could earn in a new job.
Police recorded 111.5 crimes per 1,000 residents in Derby and 124.1 in Liverpool, so recorded crime per resident is 11% higher in Liverpool. The biggest difference is in criminal damage and arson: 8.3 per 1,000 in Derby against 10.3 in Liverpool.
Can a typical earner buy?
| Terraced house | Derby | Liverpool |
|---|---|---|
| Median full-time pay | £36,428 | £37,144 |
| House price ÷ pay | 4.5× | 4.4× |
| Median pay as a share of income typically needed to buy | 110% | 113% |
| Rent a year as a share of median pay | 28% | 30% |
Buying, by property type
| Type | Derby | Liverpool | Difference |
|---|---|---|---|
| Detached | £325,000 | £380,000 | +17% in Liverpool |
| Semi-detached | £218,500 | £240,000 | +10% in Liverpool |
| Terraced | £165,000 | £165,000 | 0% in Liverpool |
| Flat | £115,000 | £147,500 | +28% in Liverpool |
Renting, by property type
| Type (average rent a month) | Derby | Liverpool | Difference |
|---|---|---|---|
| Detached | £1,079 | £1,225 | +14% in Liverpool |
| Semi-detached | £913 | £1,008 | +10% in Liverpool |
| Terraced | £845 | £917 | +9% in Liverpool |
| Flat | £709 | £786 | +11% in Liverpool |
Crime
Police recorded 111.5 crimes per 1,000 residents in Derby and 124.1 in Liverpool, so recorded crime per resident is 11% higher in Liverpool.
| Police recorded crime per 1,000 residents | Derby | Liverpool | Difference |
|---|---|---|---|
| All recorded crime (excluding fraud) | 111.5 | 124.1 | +11% in Liverpool |
| Violence against the person | 46.3 | 45.6 | -1% in Liverpool |
| Sexual offences | 4.9 | 4.1 | -15% in Liverpool |
| Robbery | 1.6 | 1.6 | +4% in Liverpool |
| Residential burglary (per 1,000 households) | 6.2 | 6.1 | -2% in Liverpool |
| Vehicle offences | 4.4 | 5.3 | +20% in Liverpool |
| Theft from the person | 1.1 | 1.2 | +6% in Liverpool |
| Criminal damage and arson | 8.3 | 10.3 | +24% 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 | Derby | Liverpool |
|---|---|---|
| 2005 | 100 | 100 |
| 2006 | 105 | 110 |
| 2007 | 112 | 117 |
| 2008 | 106 | 113 |
| 2009 | 96 | 104 |
| 2010 | 99 | 105 |
| 2011 | 97 | 101 |
| 2012 | 97 | 99 |
| 2013 | 101 | 99 |
| 2014 | 107 | 103 |
| 2015 | 111 | 107 |
| 2016 | 117 | 110 |
| 2017 | 121 | 115 |
| 2018 | 126 | 121 |
| 2019 | 129 | 123 |
| 2020 | 132 | 128 |
| 2021 | 145 | 148 |
| 2022 | 157 | 161 |
| 2023 | 163 | 163 |
| 2024 | 166 | 166 |
| 2025 | 167 | 179 |
| 12 months to July 2026 | 168 | 183 |
In 2005 the average home cost £121,680 in Derby and £99,018 in Liverpool. Now it is £204,877 and £181,637: Derby is up 68% 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 | Derby | Liverpool |
|---|---|---|
| 2005 | 5.1 years of pay | 4.9 years of pay |
| 2010 | 4.6 years of pay | 4.3 years of pay |
| 2015 | 4.8 years of pay | 4.1 years of pay |
| 2020 | 5.1 years of pay | 4.1 years of pay |
| 2025 | 5.6 years of pay | 4.8 years of pay |
In 2005 a home cost 5.1 years of pay in Derby and 4.9 years in Liverpool. In 2025 it was 5.6 years and 4.8 years.
Affordability has worsened more in Derby 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 | Derby | Liverpool |
|---|---|---|
| 2015 | 100 | 100 |
| 2016 | 102 | 103 |
| 2017 | 106 | 104 |
| 2018 | 110 | 104 |
| 2019 | 112 | 105 |
| 2020 | 114 | 106 |
| 2021 | 119 | 111 |
| 2022 | 125 | 119 |
| 2023 | 128 | 127 |
| 2024 | 140 | 138 |
| 2025 | 154 | 151 |
| August 2026 | 159 | 161 |
In 2015 the average rent was £541 a month in Derby and £567 in Liverpool. Now it is £860 and £913: up 59% in Derby and up 61% 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 Derby to Liverpool
| Earning in Derby | Equivalent to buy in Liverpool | Equivalent to rent in Liverpool |
|---|---|---|
| £30,000 | £30,000 | £32,500 |
| £40,000 | £40,000 | £43,500 |
| £50,000 | £50,000 | £54,500 |
| £60,000 | £60,000 | £65,000 |
Moving from Liverpool to Derby
| Earning in Liverpool | Equivalent to buy in Derby | Equivalent to rent in Derby |
|---|---|---|
| £30,000 | £30,000 | £27,500 |
| £40,000 | £40,000 | £37,000 |
| £50,000 | £50,000 | £46,000 |
| £60,000 | £60,000 | £55,500 |