Liverpool vs Newark and Sherwood: buying or renting a home
A typical terraced house costs £4,000 (2%) more in Newark and Sherwood than in Liverpool. Measured against local pay, buying is about equally hard in both.
At a glance
| Liverpool | Newark and Sherwood | |
|---|---|---|
| Buying a home | Fairly affordable | Fairly affordable |
| Renting a home | Fairly affordable | Fairly affordable |
| Recorded crime | Above average | About 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 Newark and Sherwood (£37,118) is the same than in Liverpool (£37,144), while a typical terraced house costs 2% more (£169,000 against £165,000).
Buying a terraced house takes 4.4× annual pay in Liverpool and 4.6× in Newark and Sherwood. Renting one takes 30% of pay in Liverpool and 26% in Newark and Sherwood. Renting is harder in Liverpool; buying is about the same.
Across all property types and measured against pay, Liverpool is the 27th least expensive of 316 areas to buy in, and Newark and Sherwood is the 89th least expensive of 316 areas. For renting against pay, Liverpool is the 115th least expensive of 316 areas and Newark and Sherwood is the 61st least expensive of 316 areas.
Someone on £40,000 in Liverpool would need about £41,000 in Newark and Sherwood to be equally placed to buy a terraced house, and about £35,000 to be equally placed to rent one. Keeping the same pay after a move to Newark and Sherwood 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 124.1 crimes per 1,000 residents in Liverpool and 68.4 in Newark and Sherwood, so recorded crime per resident is 45% lower in Newark and Sherwood. The biggest difference is in violence against the person: 45.6 per 1,000 in Liverpool against 25.0 in Newark and Sherwood.
Can a typical earner buy?
| Terraced house | Liverpool | Newark and Sherwood |
|---|---|---|
| Median full-time pay | £37,144 | £37,118 |
| House price ÷ pay | 4.4× | 4.6× |
| Median pay as a share of income typically needed to buy | 113% | 110% |
| Rent a year as a share of median pay | 30% | 26% |
Buying, by property type
| Type | Liverpool | Newark and Sherwood | Difference |
|---|---|---|---|
| Detached | £380,000 | £334,995 | -12% in Newark and Sherwood |
| Semi-detached | £240,000 | £196,000 | -18% in Newark and Sherwood |
| Terraced | £165,000 | £169,000 | +2% in Newark and Sherwood |
Renting, by property type
| Type (average rent a month) | Liverpool | Newark and Sherwood | Difference |
|---|---|---|---|
| Detached | £1,225 | £1,067 | -13% in Newark and Sherwood |
| Semi-detached | £1,008 | £860 | -15% in Newark and Sherwood |
| Terraced | £917 | £797 | -13% in Newark and Sherwood |
Crime
Police recorded 124.1 crimes per 1,000 residents in Liverpool and 68.4 in Newark and Sherwood, so recorded crime per resident is 45% lower in Newark and Sherwood.
| Police recorded crime per 1,000 residents | Liverpool | Newark and Sherwood | Difference |
|---|---|---|---|
| All recorded crime (excluding fraud) | 124.1 | 68.4 | -45% in Newark and Sherwood |
| Violence against the person | 45.6 | 25.0 | -45% in Newark and Sherwood |
| Sexual offences | 4.1 | 3.1 | -26% in Newark and Sherwood |
| Robbery | 1.6 | 0.7 | -55% in Newark and Sherwood |
| Residential burglary (per 1,000 households) | 6.1 | 4.4 | -28% in Newark and Sherwood |
| Vehicle offences | 5.3 | 3.1 | -41% in Newark and Sherwood |
| Theft from the person | 1.2 | 0.3 | -72% in Newark and Sherwood |
| Criminal damage and arson | 10.3 | 8.7 | -15% in Newark and Sherwood |
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 | Liverpool | Newark and Sherwood |
|---|---|---|
| 2005 | 100 | 100 |
| 2006 | 110 | 102 |
| 2007 | 117 | 109 |
| 2008 | 113 | 104 |
| 2009 | 104 | 97 |
| 2010 | 105 | 100 |
| 2011 | 101 | 99 |
| 2012 | 99 | 98 |
| 2013 | 99 | 99 |
| 2014 | 103 | 105 |
| 2015 | 107 | 110 |
| 2016 | 110 | 116 |
| 2017 | 115 | 121 |
| 2018 | 121 | 128 |
| 2019 | 123 | 129 |
| 2020 | 128 | 132 |
| 2021 | 148 | 143 |
| 2022 | 161 | 156 |
| 2023 | 163 | 160 |
| 2024 | 166 | 159 |
| 2025 | 179 | 161 |
| 12 months to July 2026 | 183 | 167 |
In 2005 the average home cost £99,018 in Liverpool and £141,548 in Newark and Sherwood. Now it is £181,637 and £235,810: Liverpool is up 83% and Newark and Sherwood is up 67%. 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 | Liverpool | Newark and Sherwood |
|---|---|---|
| 2005 | 4.9 years of pay | 6.7 years of pay |
| 2010 | 4.3 years of pay | 6.2 years of pay |
| 2015 | 4.1 years of pay | – |
| 2020 | 4.1 years of pay | 6.1 years of pay |
| 2025 | 4.8 years of pay | 6.2 years of pay |
In 2005 a home cost 4.9 years of pay in Liverpool and 6.7 years in Newark and Sherwood. In 2025 it was 4.8 years and 6.2 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 | Liverpool | Newark and Sherwood |
|---|---|---|
| 2015 | 100 | 100 |
| 2016 | 103 | 102 |
| 2017 | 104 | 105 |
| 2018 | 104 | 107 |
| 2019 | 105 | 110 |
| 2020 | 106 | 111 |
| 2021 | 111 | 117 |
| 2022 | 119 | 124 |
| 2023 | 127 | 129 |
| 2024 | 138 | 138 |
| 2025 | 151 | 148 |
| August 2026 | 161 | 157 |
In 2015 the average rent was £567 a month in Liverpool and £521 in Newark and Sherwood. Now it is £913 and £818: up 61% in Liverpool and up 57% in Newark and Sherwood.
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 Liverpool to Newark and Sherwood
| Earning in Liverpool | Equivalent to buy in Newark and Sherwood | Equivalent to rent in Newark and Sherwood |
|---|---|---|
| £30,000 | £30,500 | £26,000 |
| £40,000 | £41,000 | £35,000 |
| £50,000 | £51,000 | £43,500 |
| £60,000 | £61,500 | £52,000 |
Moving from Newark and Sherwood to Liverpool
| Earning in Newark and Sherwood | Equivalent to buy in Liverpool | Equivalent to rent in Liverpool |
|---|---|---|
| £30,000 | £29,500 | £34,500 |
| £40,000 | £39,000 | £46,000 |
| £50,000 | £49,000 | £57,500 |
| £60,000 | £58,500 | £69,000 |