Liverpool vs North Warwickshire: buying or renting a home
A typical terraced house costs £30,000 (18%) more in North Warwickshire than in Liverpool. Measured against local pay, buying is harder in North Warwickshire: it takes 4.9× median annual pay, against 4.4× in Liverpool.
At a glance
| Liverpool | North Warwickshire | |
|---|---|---|
| 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 Warwickshire (£40,095) is 8% higher than in Liverpool (£37,144), while a typical terraced house costs 18% more (£195,000 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 4.9× in North Warwickshire. Renting one takes 30% of pay in Liverpool and 28% in North Warwickshire. The two measures point different ways: buying is harder in North Warwickshire, but renting takes a bigger share of pay in Liverpool.
Across all property types and measured against pay, Liverpool is the 27th least expensive of 316 areas to buy in, and North Warwickshire is the 101st least expensive of 316 areas. For renting against pay, Liverpool is the 115th least expensive of 316 areas and North Warwickshire is the 112th least expensive of 316 areas.
Someone on £40,000 in Liverpool would need about £47,500 in North Warwickshire 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 North Warwickshire 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 61.3 in North Warwickshire, so recorded crime per resident is 51% lower in North Warwickshire. The biggest difference is in violence against the person: 45.6 per 1,000 in Liverpool against 23.0 in North Warwickshire.
Can a typical earner buy?
| Terraced house | Liverpool | North Warwickshire |
|---|---|---|
| Median full-time pay | £37,144 | £40,095 |
| House price ÷ pay | 4.4× | 4.9× |
| Median pay as a share of income typically needed to buy | 113% | 103% |
| Rent a year as a share of median pay | 30% | 28% |
Buying, by property type
| Type | Liverpool | North Warwickshire | Difference |
|---|---|---|---|
| Detached | £380,000 | £395,000 | +4% in North Warwickshire |
| Semi-detached | £240,000 | £265,000 | +10% in North Warwickshire |
| Terraced | £165,000 | £195,000 | +18% in North Warwickshire |
Renting, by property type
| Type (average rent a month) | Liverpool | North Warwickshire | Difference |
|---|---|---|---|
| Detached | £1,225 | £1,354 | +11% in North Warwickshire |
| Semi-detached | £1,008 | £1,035 | +3% in North Warwickshire |
| Terraced | £917 | £938 | +2% in North Warwickshire |
Crime
Police recorded 124.1 crimes per 1,000 residents in Liverpool and 61.3 in North Warwickshire, so recorded crime per resident is 51% lower in North Warwickshire.
| Police recorded crime per 1,000 residents | Liverpool | North Warwickshire | Difference |
|---|---|---|---|
| All recorded crime (excluding fraud) | 124.1 | 61.3 | -51% in North Warwickshire |
| Violence against the person | 45.6 | 23.0 | -50% in North Warwickshire |
| Sexual offences | 4.1 | 2.9 | -31% in North Warwickshire |
| Robbery | 1.6 | 0.9 | -44% in North Warwickshire |
| Residential burglary (per 1,000 households) | 6.1 | 5.1 | -16% in North Warwickshire |
| Vehicle offences | 5.3 | 8.2 | +53% in North Warwickshire |
| Theft from the person | 1.2 | 0.3 | -79% in North Warwickshire |
| Criminal damage and arson | 10.3 | 6.1 | -41% in North Warwickshire |
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 Warwickshire |
|---|---|---|
| 2005 | 100 | 100 |
| 2006 | 110 | 103 |
| 2007 | 117 | 107 |
| 2008 | 113 | 103 |
| 2009 | 104 | 97 |
| 2010 | 105 | 99 |
| 2011 | 101 | 97 |
| 2012 | 99 | 97 |
| 2013 | 99 | 98 |
| 2014 | 103 | 103 |
| 2015 | 107 | 108 |
| 2016 | 110 | 117 |
| 2017 | 115 | 124 |
| 2018 | 121 | 131 |
| 2019 | 123 | 133 |
| 2020 | 128 | 135 |
| 2021 | 148 | 142 |
| 2022 | 161 | 154 |
| 2023 | 163 | 158 |
| 2024 | 166 | 156 |
| 2025 | 179 | 158 |
| 12 months to July 2026 | 183 | 160 |
In 2005 the average home cost £99,018 in Liverpool and £166,782 in North Warwickshire. Now it is £181,637 and £267,509: Liverpool is up 83% and North Warwickshire is up 60%. 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 Warwickshire |
|---|---|---|
| 2005 | 4.9 years of pay | 7.2 years of pay |
| 2010 | 4.3 years of pay | 6.7 years of pay |
| 2015 | 4.1 years of pay | 6.9 years of pay |
| 2020 | 4.1 years of pay | 7.2 years of pay |
| 2025 | 4.8 years of pay | 6.6 years of pay |
In 2005 a home cost 4.9 years of pay in Liverpool and 7.2 years in North Warwickshire. In 2025 it was 4.8 years and 6.6 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 | North Warwickshire |
|---|---|---|
| 2015 | 100 | 100 |
| 2016 | 103 | 103 |
| 2017 | 104 | 107 |
| 2018 | 104 | 110 |
| 2019 | 105 | 114 |
| 2020 | 106 | 119 |
| 2021 | 111 | 122 |
| 2022 | 119 | 126 |
| 2023 | 127 | 132 |
| 2024 | 138 | 147 |
| 2025 | 151 | 158 |
| August 2026 | 161 | 168 |
In 2015 the average rent was £567 a month in Liverpool and £584 in North Warwickshire. Now it is £913 and £982: up 61% in Liverpool and up 68% in North Warwickshire. Rents have risen faster in North Warwickshire.
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 Warwickshire
| Earning in Liverpool | Equivalent to buy in North Warwickshire | Equivalent to rent in North Warwickshire |
|---|---|---|
| £30,000 | £35,500 | £30,500 |
| £40,000 | £47,500 | £41,000 |
| £50,000 | £59,000 | £51,000 |
| £60,000 | £71,000 | £61,500 |
Moving from North Warwickshire to Liverpool
| Earning in North Warwickshire | Equivalent to buy in Liverpool | Equivalent to rent in Liverpool |
|---|---|---|
| £30,000 | £25,500 | £29,500 |
| £40,000 | £34,000 | £39,000 |
| £50,000 | £42,500 | £49,000 |
| £60,000 | £51,000 | £58,500 |