Lincoln vs Liverpool: buying or renting a home
A typical terraced house costs £2,500 (2%) more in Liverpool than in Lincoln. Measured against local pay, buying is about equally hard in both.
At a glance
| Lincoln | 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 8% higher than in Lincoln (£34,301), while a typical terraced house costs 2% more (£165,000 against £162,500).
Buying a terraced house takes 4.7× annual pay in Lincoln and 4.4× in Liverpool. Renting one takes 33% of pay in Lincoln and 30% in Liverpool. Both are harder in Lincoln, and the gap is wider for renting.
Across all property types and measured against pay, Lincoln is the 42nd least expensive of 316 areas to buy in, and Liverpool is the 27th least expensive of 316 areas. For renting against pay, Lincoln is around the middle of 316 areas (158th most expensive) and Liverpool is the 115th least expensive of 316 areas.
Someone on £40,000 in Lincoln would need about £40,500 in Liverpool to be equally placed to buy a terraced house, and about £39,000 to be equally placed to rent one. Keeping the same pay after a move to Liverpool would leave you worse 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 116.6 crimes per 1,000 residents in Lincoln and 124.1 in Liverpool, so recorded crime per resident is 6% higher in Liverpool. The biggest difference is in vehicle offences: 3.4 per 1,000 in Lincoln against 5.3 in Liverpool.
Can a typical earner buy?
| Terraced house | Lincoln | Liverpool |
|---|---|---|
| Median full-time pay | £34,301 | £37,144 |
| House price ÷ pay | 4.7× | 4.4× |
| Median pay as a share of income typically needed to buy | 106% | 113% |
| Rent a year as a share of median pay | 33% | 30% |
Buying, by property type
| Type | Lincoln | Liverpool | Difference |
|---|---|---|---|
| Detached | £288,250 | £380,000 | +32% in Liverpool |
| Semi-detached | £201,500 | £240,000 | +19% in Liverpool |
| Terraced | £162,500 | £165,000 | +2% in Liverpool |
Renting, by property type
| Type (average rent a month) | Lincoln | Liverpool | Difference |
|---|---|---|---|
| Detached | £1,185 | £1,225 | +3% in Liverpool |
| Semi-detached | £993 | £1,008 | +2% in Liverpool |
| Terraced | £939 | £917 | -2% in Liverpool |
Crime
Police recorded 116.6 crimes per 1,000 residents in Lincoln and 124.1 in Liverpool, so recorded crime per resident is 6% higher in Liverpool.
| Police recorded crime per 1,000 residents | Lincoln | Liverpool | Difference |
|---|---|---|---|
| All recorded crime (excluding fraud) | 116.6 | 124.1 | +6% in Liverpool |
| Violence against the person | 43.3 | 45.6 | +5% in Liverpool |
| Sexual offences | 6.0 | 4.1 | -31% in Liverpool |
| Robbery | 1.6 | 1.6 | +1% in Liverpool |
| Residential burglary (per 1,000 households) | 4.8 | 6.1 | +26% in Liverpool |
| Vehicle offences | 3.4 | 5.3 | +58% in Liverpool |
| Theft from the person | 0.3 | 1.2 | +310% in Liverpool |
| Criminal damage and arson | 10.5 | 10.3 | -2% 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 | Lincoln | Liverpool |
|---|---|---|
| 2005 | 100 | 100 |
| 2006 | 104 | 110 |
| 2007 | 112 | 117 |
| 2008 | 107 | 113 |
| 2009 | 97 | 104 |
| 2010 | 99 | 105 |
| 2011 | 98 | 101 |
| 2012 | 100 | 99 |
| 2013 | 104 | 99 |
| 2014 | 112 | 103 |
| 2015 | 117 | 107 |
| 2016 | 124 | 110 |
| 2017 | 127 | 115 |
| 2018 | 134 | 121 |
| 2019 | 138 | 123 |
| 2020 | 140 | 128 |
| 2021 | 154 | 148 |
| 2022 | 165 | 161 |
| 2023 | 166 | 163 |
| 2024 | 163 | 166 |
| 2025 | 170 | 179 |
| 12 months to July 2026 | 170 | 183 |
In 2005 the average home cost £108,299 in Lincoln and £99,018 in Liverpool. Now it is £184,592 and £181,637: Lincoln is up 70% 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 | Lincoln | Liverpool |
|---|---|---|
| 2005 | 5.5 years of pay | 4.9 years of pay |
| 2010 | 4.4 years of pay | 4.3 years of pay |
| 2015 | 5.5 years of pay | 4.1 years of pay |
| 2020 | 5.3 years of pay | 4.1 years of pay |
| 2025 | 5.4 years of pay | 4.8 years of pay |
In 2005 a home cost 5.5 years of pay in Lincoln and 4.9 years in Liverpool. In 2025 it was 5.4 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 | Lincoln | Liverpool |
|---|---|---|
| 2015 | 100 | 100 |
| 2016 | 103 | 103 |
| 2017 | 106 | 104 |
| 2018 | 109 | 104 |
| 2019 | 113 | 105 |
| 2020 | 115 | 106 |
| 2021 | 121 | 111 |
| 2022 | 127 | 119 |
| 2023 | 132 | 127 |
| 2024 | 142 | 138 |
| 2025 | 154 | 151 |
| August 2026 | 161 | 161 |
In 2015 the average rent was £584 a month in Lincoln and £567 in Liverpool. Now it is £942 and £913: up 61% in Lincoln 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 Lincoln to Liverpool
| Earning in Lincoln | Equivalent to buy in Liverpool | Equivalent to rent in Liverpool |
|---|---|---|
| £30,000 | £30,500 | £29,500 |
| £40,000 | £40,500 | £39,000 |
| £50,000 | £51,000 | £49,000 |
| £60,000 | £61,000 | £58,500 |
Moving from Liverpool to Lincoln
| Earning in Liverpool | Equivalent to buy in Lincoln | Equivalent to rent in Lincoln |
|---|---|---|
| £30,000 | £29,500 | £30,500 |
| £40,000 | £39,500 | £41,000 |
| £50,000 | £49,000 | £51,000 |
| £60,000 | £59,000 | £61,500 |