Liverpool vs Ribble Valley: buying or renting a home
A typical terraced house costs £22,250 (13%) more in Ribble Valley than in Liverpool. Measured against local pay, buying is about equally hard in both.
At a glance
| Liverpool | Ribble Valley | |
|---|---|---|
| Buying a home | Fairly affordable | Fairly affordable |
| Renting a home | Fairly affordable | 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 Ribble Valley (£40,870) is 10% higher than in Liverpool (£37,144), while a typical terraced house costs 13% more (£187,250 against £165,000).
Buying a terraced house takes 4.4× annual pay in Liverpool and 4.6× in Ribble Valley. Renting one takes 30% of pay in Liverpool and 24% in Ribble Valley. 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 Ribble Valley is the 100th least expensive of 316 areas. For renting against pay, Liverpool is the 115th least expensive of 316 areas and Ribble Valley is the 31st least expensive of 316 areas.
Someone on £40,000 in Liverpool would need about £45,500 in Ribble Valley to be equally placed to buy a terraced house, and about £35,500 to be equally placed to rent one. Keeping the same pay after a move to Ribble Valley 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 39.1 in Ribble Valley, so recorded crime per resident is 68% lower in Ribble Valley. The biggest difference is in criminal damage and arson: 10.3 per 1,000 in Liverpool against 3.9 in Ribble Valley.
Can a typical earner buy?
| Terraced house | Liverpool | Ribble Valley |
|---|---|---|
| Median full-time pay | £37,144 | £40,870 |
| House price ÷ pay | 4.4× | 4.6× |
| Median pay as a share of income typically needed to buy | 113% | 109% |
| Rent a year as a share of median pay | 30% | 24% |
Buying, by property type
| Type | Liverpool | Ribble Valley | Difference |
|---|---|---|---|
| Detached | £380,000 | £425,000 | +12% in Ribble Valley |
| Semi-detached | £240,000 | £265,000 | +10% in Ribble Valley |
| Terraced | £165,000 | £187,250 | +13% in Ribble Valley |
Renting, by property type
| Type (average rent a month) | Liverpool | Ribble Valley | Difference |
|---|---|---|---|
| Detached | £1,225 | £1,079 | -12% in Ribble Valley |
| Semi-detached | £1,008 | £919 | -9% in Ribble Valley |
| Terraced | £917 | £817 | -11% in Ribble Valley |
Crime
Police recorded 124.1 crimes per 1,000 residents in Liverpool and 39.1 in Ribble Valley, so recorded crime per resident is 68% lower in Ribble Valley.
| Police recorded crime per 1,000 residents | Liverpool | Ribble Valley | Difference |
|---|---|---|---|
| All recorded crime (excluding fraud) | 124.1 | 39.1 | -68% in Ribble Valley |
| Violence against the person | 45.6 | 18.0 | -60% in Ribble Valley |
| Sexual offences | 4.1 | 2.5 | -41% in Ribble Valley |
| Robbery | 1.6 | 0.1 | -91% in Ribble Valley |
| Residential burglary (per 1,000 households) | 6.1 | 4.0 | -34% in Ribble Valley |
| Vehicle offences | 5.3 | 2.0 | -61% in Ribble Valley |
| Theft from the person | 1.2 | 0.0 | -97% in Ribble Valley |
| Criminal damage and arson | 10.3 | 3.9 | -63% in Ribble Valley |
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 | Ribble Valley |
|---|---|---|
| 2005 | 100 | 100 |
| 2006 | 110 | 108 |
| 2007 | 117 | 118 |
| 2008 | 113 | 115 |
| 2009 | 104 | 106 |
| 2010 | 105 | 111 |
| 2011 | 101 | 108 |
| 2012 | 99 | 105 |
| 2013 | 99 | 107 |
| 2014 | 103 | 109 |
| 2015 | 107 | 110 |
| 2016 | 110 | 113 |
| 2017 | 115 | 117 |
| 2018 | 121 | 120 |
| 2019 | 123 | 119 |
| 2020 | 128 | 120 |
| 2021 | 148 | 128 |
| 2022 | 161 | 137 |
| 2023 | 163 | 142 |
| 2024 | 166 | 143 |
| 2025 | 179 | 148 |
| 12 months to July 2026 | 183 | 151 |
In 2005 the average home cost £99,018 in Liverpool and £185,866 in Ribble Valley. Now it is £181,637 and £279,871: Liverpool is up 83% and Ribble Valley is up 51%. 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 | Ribble Valley |
|---|---|---|
| 2005 | 4.9 years of pay | 7.5 years of pay |
| 2010 | 4.3 years of pay | 8.6 years of pay |
| 2015 | 4.1 years of pay | 7.4 years of pay |
| 2020 | 4.1 years of pay | 6.6 years of pay |
| 2025 | 4.8 years of pay | 6.7 years of pay |
In 2005 a home cost 4.9 years of pay in Liverpool and 7.5 years in Ribble Valley. In 2025 it was 4.8 years and 6.7 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 | Ribble Valley |
|---|---|---|
| 2015 | 100 | 100 |
| 2016 | 103 | 101 |
| 2017 | 104 | 103 |
| 2018 | 104 | 104 |
| 2019 | 105 | 105 |
| 2020 | 106 | 105 |
| 2021 | 111 | 107 |
| 2022 | 119 | 113 |
| 2023 | 127 | 118 |
| 2024 | 138 | 124 |
| 2025 | 151 | 131 |
| August 2026 | 161 | 139 |
In 2015 the average rent was £567 a month in Liverpool and £588 in Ribble Valley. Now it is £913 and £818: up 61% in Liverpool and up 39% in Ribble Valley. 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 Ribble Valley
| Earning in Liverpool | Equivalent to buy in Ribble Valley | Equivalent to rent in Ribble Valley |
|---|---|---|
| £30,000 | £34,000 | £26,500 |
| £40,000 | £45,500 | £35,500 |
| £50,000 | £56,500 | £44,500 |
| £60,000 | £68,000 | £53,500 |
Moving from Ribble Valley to Liverpool
| Earning in Ribble Valley | Equivalent to buy in Liverpool | Equivalent to rent in Liverpool |
|---|---|---|
| £30,000 | £26,500 | £33,500 |
| £40,000 | £35,000 | £45,000 |
| £50,000 | £44,000 | £56,000 |
| £60,000 | £53,000 | £67,500 |