Liverpool vs North Yorkshire: buying or renting a home
A typical terraced house costs £45,000 (27%) more in North Yorkshire than in Liverpool. Measured against local pay, buying is harder in North Yorkshire: it takes 5.7× median annual pay, against 4.4× in Liverpool.
At a glance
| Liverpool | North Yorkshire | |
|---|---|---|
| Buying a home | Fairly affordable | Fairly affordable |
| Renting a home | Fairly affordable | Fairly affordable |
| Recorded crime | Above average | Low |
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 Yorkshire (£36,783) is 1% lower than in Liverpool (£37,144), while a typical terraced house costs 27% more (£210,000 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 5.7× in North Yorkshire. Renting one takes 30% of pay in Liverpool and 27% in North Yorkshire. The two measures point different ways: buying is harder in North Yorkshire, 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 Yorkshire is around the middle of 316 areas (174th most expensive). For renting against pay, Liverpool is the 115th least expensive of 316 areas and North Yorkshire is the 82nd least expensive of 316 areas.
Someone on £40,000 in Liverpool would need about £51,000 in North Yorkshire to be equally placed to buy a terraced house, and about £36,500 to be equally placed to rent one. Keeping the same pay after a move to North Yorkshire 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 47.4 in North Yorkshire, so recorded crime per resident is 62% lower in North Yorkshire. The biggest difference is in vehicle offences: 5.3 per 1,000 in Liverpool against 1.7 in North Yorkshire.
Can a typical earner buy?
| Terraced house | Liverpool | North Yorkshire |
|---|---|---|
| Median full-time pay | £37,144 | £36,783 |
| House price ÷ pay | 4.4× | 5.7× |
| Median pay as a share of income typically needed to buy | 113% | 88% |
| Rent a year as a share of median pay | 30% | 27% |
Buying, by property type
| Type | Liverpool | North Yorkshire | Difference |
|---|---|---|---|
| Detached | £380,000 | £410,000 | +8% in North Yorkshire |
| Semi-detached | £240,000 | £255,000 | +6% in North Yorkshire |
| Terraced | £165,000 | £210,000 | +27% in North Yorkshire |
| Flat | £147,500 | £150,000 | +2% in North Yorkshire |
Renting, by property type
| Type (average rent a month) | Liverpool | North Yorkshire | Difference |
|---|---|---|---|
| Detached | £1,225 | £1,187 | -3% in North Yorkshire |
| Semi-detached | £1,008 | £900 | -11% in North Yorkshire |
| Terraced | £917 | £832 | -9% in North Yorkshire |
| Flat | £786 | £686 | -13% in North Yorkshire |
Crime
Police recorded 124.1 crimes per 1,000 residents in Liverpool and 47.4 in North Yorkshire, so recorded crime per resident is 62% lower in North Yorkshire.
| Police recorded crime per 1,000 residents | Liverpool | North Yorkshire | Difference |
|---|---|---|---|
| All recorded crime (excluding fraud) | 124.1 | 47.4 | -62% in North Yorkshire |
| Violence against the person | 45.6 | 20.1 | -56% in North Yorkshire |
| Sexual offences | 4.1 | 2.5 | -39% in North Yorkshire |
| Robbery | 1.6 | 0.3 | -80% in North Yorkshire |
| Residential burglary (per 1,000 households) | 6.1 | 3.5 | -42% in North Yorkshire |
| Vehicle offences | 5.3 | 1.7 | -68% in North Yorkshire |
| Theft from the person | 1.2 | 0.1 | -92% in North Yorkshire |
| Criminal damage and arson | 10.3 | 5.1 | -51% in North Yorkshire |
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 Yorkshire |
|---|---|---|
| 2005 | 100 | 100 |
| 2006 | 110 | 106 |
| 2007 | 117 | 113 |
| 2008 | 113 | 110 |
| 2009 | 104 | 100 |
| 2010 | 105 | 107 |
| 2011 | 101 | 105 |
| 2012 | 99 | 104 |
| 2013 | 99 | 105 |
| 2014 | 103 | 108 |
| 2015 | 107 | 113 |
| 2016 | 110 | 118 |
| 2017 | 115 | 121 |
| 2018 | 121 | 125 |
| 2019 | 123 | 126 |
| 2020 | 128 | 129 |
| 2021 | 148 | 139 |
| 2022 | 161 | 152 |
| 2023 | 163 | 154 |
| 2024 | 166 | 153 |
| 2025 | 179 | 155 |
| 12 months to July 2026 | 183 | 157 |
In 2005 the average home cost £99,018 in Liverpool and £172,002 in North Yorkshire. Now it is £181,637 and £270,482: Liverpool is up 83% and North Yorkshire is up 57%. 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 Yorkshire |
|---|---|---|
| 2005 | 4.9 years of pay | 7.9 years of pay |
| 2010 | 4.3 years of pay | 7.4 years of pay |
| 2015 | 4.1 years of pay | 7.4 years of pay |
| 2020 | 4.1 years of pay | 7.4 years of pay |
| 2025 | 4.8 years of pay | 7.3 years of pay |
In 2005 a home cost 4.9 years of pay in Liverpool and 7.9 years in North Yorkshire. In 2025 it was 4.8 years and 7.3 years.
Affordability has worsened more in Liverpool 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 Yorkshire |
|---|---|---|
| 2015 | 100 | 100 |
| 2016 | 103 | 101 |
| 2017 | 104 | 103 |
| 2018 | 104 | 105 |
| 2019 | 105 | 106 |
| 2020 | 106 | 108 |
| 2021 | 111 | 111 |
| 2022 | 119 | 115 |
| 2023 | 127 | 121 |
| 2024 | 138 | 128 |
| 2025 | 151 | 134 |
| August 2026 | 161 | 138 |
In 2015 the average rent was £567 a month in Liverpool and £613 in North Yorkshire. Now it is £913 and £849: up 61% in Liverpool and up 38% in North Yorkshire. 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 Yorkshire
| Earning in Liverpool | Equivalent to buy in North Yorkshire | Equivalent to rent in North Yorkshire |
|---|---|---|
| £30,000 | £38,000 | £27,000 |
| £40,000 | £51,000 | £36,500 |
| £50,000 | £63,500 | £45,500 |
| £60,000 | £76,500 | £54,500 |
Moving from North Yorkshire to Liverpool
| Earning in North Yorkshire | Equivalent to buy in Liverpool | Equivalent to rent in Liverpool |
|---|---|---|
| £30,000 | £23,500 | £33,000 |
| £40,000 | £31,500 | £44,000 |
| £50,000 | £39,500 | £55,000 |
| £60,000 | £47,000 | £66,000 |