Liverpool vs North Northamptonshire: buying or renting a home
A typical terraced house costs £40,000 (24%) more in North Northamptonshire than in Liverpool. Measured against local pay, buying is harder in North Northamptonshire: it takes 5.4× median annual pay, against 4.4× in Liverpool.
At a glance
| Liverpool | North Northamptonshire | |
|---|---|---|
| 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 North Northamptonshire (£37,951) is 2% higher than in Liverpool (£37,144), while a typical terraced house costs 24% more (£205,000 against £165,000). Set against local pay, Liverpool 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 5.4× in North Northamptonshire. Renting one takes 30% of pay in Liverpool and 31% in North Northamptonshire. Buying is harder in North Northamptonshire; renting 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 North Northamptonshire is the 113th least expensive of 316 areas. For renting against pay, Liverpool is the 115th least expensive of 316 areas and North Northamptonshire is around the middle of 316 areas (182nd most expensive).
Someone on £40,000 in Liverpool would need about £49,500 in North Northamptonshire to be equally placed to buy a terraced house, and about £42,000 to be equally placed to rent one. Keeping the same pay after a move to North Northamptonshire 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 68.8 in North Northamptonshire, so recorded crime per resident is 45% lower in North Northamptonshire. The biggest difference is in criminal damage and arson: 10.3 per 1,000 in Liverpool against 5.7 in North Northamptonshire.
Can a typical earner buy?
| Terraced house | Liverpool | North Northamptonshire |
|---|---|---|
| Median full-time pay | £37,144 | £37,951 |
| House price ÷ pay | 4.4× | 5.4× |
| Median pay as a share of income typically needed to buy | 113% | 93% |
| Rent a year as a share of median pay | 30% | 31% |
Buying, by property type
| Type | Liverpool | North Northamptonshire | Difference |
|---|---|---|---|
| Detached | £380,000 | £370,000 | -3% in North Northamptonshire |
| Semi-detached | £240,000 | £250,000 | +4% in North Northamptonshire |
| Terraced | £165,000 | £205,000 | +24% in North Northamptonshire |
| Flat | £147,500 | £127,000 | -14% in North Northamptonshire |
Renting, by property type
| Type (average rent a month) | Liverpool | North Northamptonshire | Difference |
|---|---|---|---|
| Detached | £1,225 | £1,331 | +9% in North Northamptonshire |
| Semi-detached | £1,008 | £1,029 | +2% in North Northamptonshire |
| Terraced | £917 | £965 | +5% in North Northamptonshire |
| Flat | £786 | £796 | +1% in North Northamptonshire |
Crime
Police recorded 124.1 crimes per 1,000 residents in Liverpool and 68.8 in North Northamptonshire, so recorded crime per resident is 45% lower in North Northamptonshire.
| Police recorded crime per 1,000 residents | Liverpool | North Northamptonshire | Difference |
|---|---|---|---|
| All recorded crime (excluding fraud) | 124.1 | 68.8 | -45% in North Northamptonshire |
| Violence against the person | 45.6 | 27.5 | -40% in North Northamptonshire |
| Sexual offences | 4.1 | 3.6 | -13% in North Northamptonshire |
| Robbery | 1.6 | 1.2 | -28% in North Northamptonshire |
| Residential burglary (per 1,000 households) | 6.1 | 4.6 | -24% in North Northamptonshire |
| Vehicle offences | 5.3 | 4.1 | -23% in North Northamptonshire |
| Theft from the person | 1.2 | 0.2 | -84% in North Northamptonshire |
| Criminal damage and arson | 10.3 | 5.7 | -44% in North Northamptonshire |
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 Northamptonshire |
|---|---|---|
| 2005 | 100 | 100 |
| 2006 | 110 | 104 |
| 2007 | 117 | 114 |
| 2008 | 113 | 110 |
| 2009 | 104 | 96 |
| 2010 | 105 | 101 |
| 2011 | 101 | 101 |
| 2012 | 99 | 101 |
| 2013 | 99 | 104 |
| 2014 | 103 | 112 |
| 2015 | 107 | 120 |
| 2016 | 110 | 133 |
| 2017 | 115 | 145 |
| 2018 | 121 | 155 |
| 2019 | 123 | 157 |
| 2020 | 128 | 160 |
| 2021 | 148 | 172 |
| 2022 | 161 | 191 |
| 2023 | 163 | 194 |
| 2024 | 166 | 189 |
| 2025 | 179 | 193 |
| 12 months to July 2026 | 183 | 196 |
In 2005 the average home cost £99,018 in Liverpool and £129,839 in North Northamptonshire. Now it is £181,637 and £255,079: Liverpool is up 83% and North Northamptonshire is up 96%. Prices have risen faster in North Northamptonshire, so the gap between the two has widened.
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 Northamptonshire |
|---|---|---|
| 2015 | 100 | 100 |
| 2016 | 103 | 105 |
| 2017 | 104 | 111 |
| 2018 | 104 | 116 |
| 2019 | 105 | 121 |
| 2020 | 106 | 122 |
| 2021 | 111 | 124 |
| 2022 | 119 | 130 |
| 2023 | 127 | 139 |
| 2024 | 138 | 147 |
| 2025 | 151 | 159 |
| August 2026 | 161 | 170 |
In 2015 the average rent was £567 a month in Liverpool and £583 in North Northamptonshire. Now it is £913 and £992: up 61% in Liverpool and up 70% in North Northamptonshire. Rents have risen faster in North Northamptonshire.
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 Northamptonshire
| Earning in Liverpool | Equivalent to buy in North Northamptonshire | Equivalent to rent in North Northamptonshire |
|---|---|---|
| £30,000 | £37,500 | £31,500 |
| £40,000 | £49,500 | £42,000 |
| £50,000 | £62,000 | £52,500 |
| £60,000 | £74,500 | £63,000 |
Moving from North Northamptonshire to Liverpool
| Earning in North Northamptonshire | Equivalent to buy in Liverpool | Equivalent to rent in Liverpool |
|---|---|---|
| £30,000 | £24,000 | £28,500 |
| £40,000 | £32,000 | £38,000 |
| £50,000 | £40,000 | £47,500 |
| £60,000 | £48,500 | £57,000 |