Derbyshire Dales vs Liverpool: buying or renting a home
A typical terraced house costs £70,000 (42%) more in Derbyshire Dales than in Liverpool. Measured against local pay, buying is harder in Derbyshire Dales: it takes 5.5× median annual pay, against 4.4× in Liverpool.
At a glance
| Derbyshire Dales | Liverpool | |
|---|---|---|
| Buying a home | Fairly affordable | Fairly affordable |
| Renting a home | 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 14% lower than in Derbyshire Dales (£43,071), while a typical terraced house costs 30% less (£165,000 against £235,000). Set against local pay, Liverpool is the easier of the two for a typical earner to buy in.
Buying a terraced house takes 5.5× annual pay in Derbyshire Dales and 4.4× in Liverpool. Renting one takes 21% of pay in Derbyshire Dales and 30% in Liverpool. The two measures point different ways: buying is harder in Derbyshire Dales, but renting takes a bigger share of pay in Liverpool.
Across all property types and measured against pay, Derbyshire Dales is around the middle of 316 areas (168th most expensive) to buy in, and Liverpool is the 27th least expensive of 316 areas. For renting against pay, Derbyshire Dales is the 13th least expensive of 316 areas and Liverpool is the 115th least expensive of 316 areas.
Someone on £40,000 in Derbyshire Dales would need about £28,000 in Liverpool to be equally placed to buy a terraced house, and about £48,000 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 45.0 crimes per 1,000 residents in Derbyshire Dales and 124.1 in Liverpool, so recorded crime per resident in Liverpool is 2.8 times the rate in Derbyshire Dales. The biggest difference is in vehicle offences: 1.4 per 1,000 in Derbyshire Dales against 5.3 in Liverpool.
Can a typical earner buy?
| Terraced house | Derbyshire Dales | Liverpool |
|---|---|---|
| Median full-time pay | £43,071 | £37,144 |
| House price ÷ pay | 5.5× | 4.4× |
| Median pay as a share of income typically needed to buy | 92% | 113% |
| Rent a year as a share of median pay | 21% | 30% |
Buying, by property type
| Type | Derbyshire Dales | Liverpool | Difference |
|---|---|---|---|
| Detached | £463,500 | £380,000 | -18% in Liverpool |
| Semi-detached | £285,000 | £240,000 | -16% in Liverpool |
| Terraced | £235,000 | £165,000 | -30% in Liverpool |
Renting, by property type
| Type (average rent a month) | Derbyshire Dales | Liverpool | Difference |
|---|---|---|---|
| Detached | £1,089 | £1,225 | +12% in Liverpool |
| Semi-detached | £886 | £1,008 | +14% in Liverpool |
| Terraced | £768 | £917 | +19% in Liverpool |
Crime
Police recorded 45.0 crimes per 1,000 residents in Derbyshire Dales and 124.1 in Liverpool, so recorded crime per resident in Liverpool is 2.8 times the rate in Derbyshire Dales.
| Police recorded crime per 1,000 residents | Derbyshire Dales | Liverpool | Difference |
|---|---|---|---|
| All recorded crime (excluding fraud) | 45.0 | 124.1 | +176% in Liverpool |
| Violence against the person | 18.3 | 45.6 | +149% in Liverpool |
| Sexual offences | 2.1 | 4.1 | +95% in Liverpool |
| Robbery | 0.1 | 1.6 | +1937% in Liverpool |
| Residential burglary (per 1,000 households) | 3.0 | 6.1 | +102% in Liverpool |
| Vehicle offences | 1.4 | 5.3 | +266% in Liverpool |
| Theft from the person | 0.3 | 1.2 | +284% in Liverpool |
| Criminal damage and arson | 4.2 | 10.3 | +144% 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 | Derbyshire Dales | Liverpool |
|---|---|---|
| 2005 | 100 | 100 |
| 2006 | 104 | 110 |
| 2007 | 111 | 117 |
| 2008 | 103 | 113 |
| 2009 | 98 | 104 |
| 2010 | 107 | 105 |
| 2011 | 104 | 101 |
| 2012 | 106 | 99 |
| 2013 | 108 | 99 |
| 2014 | 112 | 103 |
| 2015 | 116 | 107 |
| 2016 | 121 | 110 |
| 2017 | 125 | 115 |
| 2018 | 130 | 121 |
| 2019 | 134 | 123 |
| 2020 | 137 | 128 |
| 2021 | 149 | 148 |
| 2022 | 163 | 161 |
| 2023 | 168 | 163 |
| 2024 | 166 | 166 |
| 2025 | 171 | 179 |
| 12 months to July 2026 | 176 | 183 |
In 2005 the average home cost £196,994 in Derbyshire Dales and £99,018 in Liverpool. Now it is £346,564 and £181,637: Derbyshire Dales is up 76% 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 | Derbyshire Dales | Liverpool |
|---|---|---|
| 2005 | 7.7 years of pay | 4.9 years of pay |
| 2010 | 7.2 years of pay | 4.3 years of pay |
| 2015 | 8.5 years of pay | 4.1 years of pay |
| 2020 | 7.7 years of pay | 4.1 years of pay |
| 2025 | 7.8 years of pay | 4.8 years of pay |
In 2005 a home cost 7.7 years of pay in Derbyshire Dales and 4.9 years in Liverpool. In 2025 it was 7.8 years and 4.8 years.
How rents have changed in each area
Average monthly rent for all property types, indexed so that 2015 is 100.
Show the figures
| Year | Derbyshire Dales | Liverpool |
|---|---|---|
| 2015 | 100 | 100 |
| 2016 | 102 | 103 |
| 2017 | 105 | 104 |
| 2018 | 106 | 104 |
| 2019 | 107 | 105 |
| 2020 | 110 | 106 |
| 2021 | 115 | 111 |
| 2022 | 123 | 119 |
| 2023 | 121 | 127 |
| 2024 | 129 | 138 |
| 2025 | 128 | 151 |
| August 2026 | 138 | 161 |
In 2015 the average rent was £592 a month in Derbyshire Dales and £567 in Liverpool. Now it is £819 and £913: up 38% in Derbyshire Dales 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 Derbyshire Dales to Liverpool
| Earning in Derbyshire Dales | Equivalent to buy in Liverpool | Equivalent to rent in Liverpool |
|---|---|---|
| £30,000 | £21,000 | £36,000 |
| £40,000 | £28,000 | £48,000 |
| £50,000 | £35,000 | £59,500 |
| £60,000 | £42,000 | £71,500 |
Moving from Liverpool to Derbyshire Dales
| Earning in Liverpool | Equivalent to buy in Derbyshire Dales | Equivalent to rent in Derbyshire Dales |
|---|---|---|
| £30,000 | £42,500 | £25,000 |
| £40,000 | £57,000 | £33,500 |
| £50,000 | £71,000 | £42,000 |
| £60,000 | £85,500 | £50,500 |