Liverpool vs North Lincolnshire: buying or renting a home
A typical terraced house costs £41,500 (34%) more in Liverpool than in North Lincolnshire. Measured against local pay, buying is harder in Liverpool: it takes 4.4× median annual pay, against 3.6× in North Lincolnshire.
At a glance
| Liverpool | North Lincolnshire | |
|---|---|---|
| Buying a home | Fairly affordable | Fairly affordable |
| Renting a home | Fairly affordable | 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 North Lincolnshire (£34,738) is 6% lower than in Liverpool (£37,144), while a typical terraced house costs 25% less (£123,500 against £165,000). Set against local pay, North Lincolnshire is the easier of the two for a typical earner to buy in.
Buying a terraced house takes 4.4× annual pay in Liverpool and 3.6× in North Lincolnshire. Renting one takes 30% of pay in Liverpool and 23% in North Lincolnshire. Both are harder in Liverpool, and the gap is wider for renting.
Across all property types and measured against pay, Liverpool is the 27th least expensive of 316 areas to buy in, and North Lincolnshire is the 25th least expensive of 316 areas. For renting against pay, Liverpool is the 115th least expensive of 316 areas and North Lincolnshire is the 9th least expensive of 316 areas.
Someone on £40,000 in Liverpool would need about £30,000 in North Lincolnshire to be equally placed to buy a terraced house, and about £28,500 to be equally placed to rent one. Keeping the same pay after a move to North Lincolnshire 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 124.1 crimes per 1,000 residents in Liverpool and 77.7 in North Lincolnshire, so recorded crime per resident is 37% lower in North Lincolnshire. The biggest difference is in vehicle offences: 5.3 per 1,000 in Liverpool against 3.1 in North Lincolnshire.
Can a typical earner buy?
| Terraced house | Liverpool | North Lincolnshire |
|---|---|---|
| Median full-time pay | £37,144 | £34,738 |
| House price ÷ pay | 4.4× | 3.6× |
| Median pay as a share of income typically needed to buy | 113% | 141% |
| Rent a year as a share of median pay | 30% | 23% |
Buying, by property type
| Type | Liverpool | North Lincolnshire | Difference |
|---|---|---|---|
| Detached | £380,000 | £270,000 | -29% in North Lincolnshire |
| Semi-detached | £240,000 | £160,000 | -33% in North Lincolnshire |
| Terraced | £165,000 | £123,500 | -25% in North Lincolnshire |
Renting, by property type
| Type (average rent a month) | Liverpool | North Lincolnshire | Difference |
|---|---|---|---|
| Detached | £1,225 | £878 | -28% in North Lincolnshire |
| Semi-detached | £1,008 | £702 | -30% in North Lincolnshire |
| Terraced | £917 | £656 | -28% in North Lincolnshire |
Crime
Police recorded 124.1 crimes per 1,000 residents in Liverpool and 77.7 in North Lincolnshire, so recorded crime per resident is 37% lower in North Lincolnshire.
| Police recorded crime per 1,000 residents | Liverpool | North Lincolnshire | Difference |
|---|---|---|---|
| All recorded crime (excluding fraud) | 124.1 | 77.7 | -37% in North Lincolnshire |
| Violence against the person | 45.6 | 31.5 | -31% in North Lincolnshire |
| Sexual offences | 4.1 | 3.1 | -25% in North Lincolnshire |
| Robbery | 1.6 | 1.0 | -40% in North Lincolnshire |
| Residential burglary (per 1,000 households) | 6.1 | 7.1 | +18% in North Lincolnshire |
| Vehicle offences | 5.3 | 3.1 | -41% in North Lincolnshire |
| Theft from the person | 1.2 | 0.2 | -86% in North Lincolnshire |
| Criminal damage and arson | 10.3 | 7.5 | -27% in North Lincolnshire |
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 | North Lincolnshire |
|---|---|---|
| 2005 | 100 | 100 |
| 2006 | 110 | 104 |
| 2007 | 117 | 110 |
| 2008 | 113 | 109 |
| 2009 | 104 | 100 |
| 2010 | 105 | 104 |
| 2011 | 101 | 99 |
| 2012 | 99 | 97 |
| 2013 | 99 | 97 |
| 2014 | 103 | 101 |
| 2015 | 107 | 105 |
| 2016 | 110 | 109 |
| 2017 | 115 | 115 |
| 2018 | 121 | 120 |
| 2019 | 123 | 123 |
| 2020 | 128 | 127 |
| 2021 | 148 | 139 |
| 2022 | 161 | 150 |
| 2023 | 163 | 153 |
| 2024 | 166 | 152 |
| 2025 | 179 | 155 |
| 12 months to July 2026 | 183 | 159 |
In 2005 the average home cost £99,018 in Liverpool and £112,542 in North Lincolnshire. Now it is £181,637 and £178,883: Liverpool is up 83% and North Lincolnshire is up 59%. 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 | North Lincolnshire |
|---|---|---|
| 2005 | 4.9 years of pay | 4.4 years of pay |
| 2010 | 4.3 years of pay | 4.6 years of pay |
| 2015 | 4.1 years of pay | 4.2 years of pay |
| 2020 | 4.1 years of pay | 4.9 years of pay |
| 2025 | 4.8 years of pay | 5.0 years of pay |
In 2005 a home cost 4.9 years of pay in Liverpool and 4.4 years in North Lincolnshire. In 2025 it was 4.8 years and 5.0 years.
Affordability has worsened more in North Lincolnshire 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 | Liverpool | North Lincolnshire |
|---|---|---|
| 2015 | 100 | 100 |
| 2016 | 103 | 102 |
| 2017 | 104 | 104 |
| 2018 | 104 | 105 |
| 2019 | 105 | 106 |
| 2020 | 106 | 108 |
| 2021 | 111 | 110 |
| 2022 | 119 | 115 |
| 2023 | 127 | 121 |
| 2024 | 138 | 127 |
| 2025 | 151 | 135 |
| August 2026 | 161 | 144 |
In 2015 the average rent was £567 a month in Liverpool and £453 in North Lincolnshire. Now it is £913 and £653: up 61% in Liverpool and up 44% in North Lincolnshire. 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 Liverpool to North Lincolnshire
| Earning in Liverpool | Equivalent to buy in North Lincolnshire | Equivalent to rent in North Lincolnshire |
|---|---|---|
| £30,000 | £22,500 | £21,500 |
| £40,000 | £30,000 | £28,500 |
| £50,000 | £37,500 | £36,000 |
| £60,000 | £45,000 | £43,000 |
Moving from North Lincolnshire to Liverpool
| Earning in North Lincolnshire | Equivalent to buy in Liverpool | Equivalent to rent in Liverpool |
|---|---|---|
| £30,000 | £40,000 | £42,000 |
| £40,000 | £53,500 | £56,000 |
| £50,000 | £67,000 | £70,000 |
| £60,000 | £80,000 | £84,000 |