High Peak vs Liverpool: buying or renting a home
A typical terraced house costs £55,000 (33%) more in High Peak than in Liverpool. Measured against local pay, buying is harder in High Peak: it takes 5.9× median annual pay, against 4.4× in Liverpool.
At a glance
| High Peak | 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 the same than in High Peak (£37,184), while a typical terraced house costs 25% less (£165,000 against £220,000). Set against local pay, Liverpool is the easier of the two for a typical earner to buy in.
Buying a terraced house takes 5.9× annual pay in High Peak and 4.4× in Liverpool. Renting one takes 29% of pay in High Peak and 30% in Liverpool. Buying is harder in High Peak; renting is about the same.
Across all property types and measured against pay, High Peak is around the middle of 316 areas (190th most expensive) to buy in, and Liverpool is the 27th least expensive of 316 areas. For renting against pay, High Peak is the 124th least expensive of 316 areas and Liverpool is the 115th least expensive of 316 areas.
Someone on £40,000 in High Peak would need about £30,000 in Liverpool to be equally placed to buy a terraced house, and about £41,000 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 59.1 crimes per 1,000 residents in High Peak and 124.1 in Liverpool, so recorded crime per resident in Liverpool is 2.1 times the rate in High Peak. The biggest difference is in vehicle offences: 2.5 per 1,000 in High Peak against 5.3 in Liverpool.
Can a typical earner buy?
| Terraced house | High Peak | Liverpool |
|---|---|---|
| Median full-time pay | £37,184 | £37,144 |
| House price ÷ pay | 5.9× | 4.4× |
| Median pay as a share of income typically needed to buy | 85% | 113% |
| Rent a year as a share of median pay | 29% | 30% |
Buying, by property type
| Type | High Peak | Liverpool | Difference |
|---|---|---|---|
| Detached | £438,500 | £380,000 | -13% in Liverpool |
| Semi-detached | £280,000 | £240,000 | -14% in Liverpool |
| Terraced | £220,000 | £165,000 | -25% in Liverpool |
Renting, by property type
| Type (average rent a month) | High Peak | Liverpool | Difference |
|---|---|---|---|
| Detached | £1,309 | £1,225 | -6% in Liverpool |
| Semi-detached | £969 | £1,008 | +4% in Liverpool |
| Terraced | £892 | £917 | +3% in Liverpool |
Crime
Police recorded 59.1 crimes per 1,000 residents in High Peak and 124.1 in Liverpool, so recorded crime per resident in Liverpool is 2.1 times the rate in High Peak.
| Police recorded crime per 1,000 residents | High Peak | Liverpool | Difference |
|---|---|---|---|
| All recorded crime (excluding fraud) | 59.1 | 124.1 | +110% in Liverpool |
| Violence against the person | 24.9 | 45.6 | +83% in Liverpool |
| Sexual offences | 3.3 | 4.1 | +27% in Liverpool |
| Robbery | 0.3 | 1.6 | +409% in Liverpool |
| Residential burglary (per 1,000 households) | 4.4 | 6.1 | +39% in Liverpool |
| Vehicle offences | 2.5 | 5.3 | +116% in Liverpool |
| Theft from the person | 0.2 | 1.2 | +417% in Liverpool |
| Criminal damage and arson | 5.8 | 10.3 | +79% 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 | High Peak | Liverpool |
|---|---|---|
| 2005 | 100 | 100 |
| 2006 | 108 | 110 |
| 2007 | 113 | 117 |
| 2008 | 111 | 113 |
| 2009 | 99 | 104 |
| 2010 | 102 | 105 |
| 2011 | 101 | 101 |
| 2012 | 101 | 99 |
| 2013 | 101 | 99 |
| 2014 | 106 | 103 |
| 2015 | 110 | 107 |
| 2016 | 117 | 110 |
| 2017 | 122 | 115 |
| 2018 | 127 | 121 |
| 2019 | 130 | 123 |
| 2020 | 135 | 128 |
| 2021 | 148 | 148 |
| 2022 | 165 | 161 |
| 2023 | 170 | 163 |
| 2024 | 172 | 166 |
| 2025 | 177 | 179 |
| 12 months to July 2026 | 182 | 183 |
In 2005 the average home cost £141,093 in High Peak and £99,018 in Liverpool. Now it is £256,671 and £181,637: High Peak is up 82% and Liverpool is up 83%.
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 | High Peak | Liverpool |
|---|---|---|
| 2005 | 6.2 years of pay | 4.9 years of pay |
| 2010 | 5.5 years of pay | 4.3 years of pay |
| 2015 | 6.1 years of pay | 4.1 years of pay |
| 2020 | 6.5 years of pay | 4.1 years of pay |
| 2025 | 6.7 years of pay | 4.8 years of pay |
In 2005 a home cost 6.2 years of pay in High Peak and 4.9 years in Liverpool. In 2025 it was 6.7 years and 4.8 years.
Affordability has worsened more in High Peak 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 | High Peak | Liverpool |
|---|---|---|
| 2015 | 100 | 100 |
| 2016 | 102 | 103 |
| 2017 | 104 | 104 |
| 2018 | 107 | 104 |
| 2019 | 109 | 105 |
| 2020 | 113 | 106 |
| 2021 | 117 | 111 |
| 2022 | 125 | 119 |
| 2023 | 131 | 127 |
| 2024 | 143 | 138 |
| 2025 | 147 | 151 |
| August 2026 | 157 | 161 |
In 2015 the average rent was £596 a month in High Peak and £567 in Liverpool. Now it is £937 and £913: up 57% in High Peak 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 High Peak to Liverpool
| Earning in High Peak | Equivalent to buy in Liverpool | Equivalent to rent in Liverpool |
|---|---|---|
| £30,000 | £22,500 | £31,000 |
| £40,000 | £30,000 | £41,000 |
| £50,000 | £37,500 | £51,500 |
| £60,000 | £45,000 | £61,500 |
Moving from Liverpool to High Peak
| Earning in Liverpool | Equivalent to buy in High Peak | Equivalent to rent in High Peak |
|---|---|---|
| £30,000 | £40,000 | £29,000 |
| £40,000 | £53,500 | £39,000 |
| £50,000 | £66,500 | £48,500 |
| £60,000 | £80,000 | £58,500 |