Liverpool vs South Ribble: buying or renting a home
A typical terraced house costs £5,000 (3%) more in Liverpool than in South Ribble. Measured against local pay, buying is about equally hard in both.
At a glance
| Liverpool | South Ribble | |
|---|---|---|
| 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 South Ribble (£37,883) is 2% higher than in Liverpool (£37,144), while a typical terraced house costs 3% less (£160,000 against £165,000).
Buying a terraced house takes 4.4× annual pay in Liverpool and 4.2× in South Ribble. Renting one takes 30% of pay in Liverpool and 26% in South Ribble. 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 South Ribble is the 54th least expensive of 316 areas. For renting against pay, Liverpool is the 115th least expensive of 316 areas and South Ribble is the 42nd least expensive of 316 areas.
Someone on £40,000 in Liverpool would need about £39,000 in South Ribble 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 South Ribble 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 56.7 in South Ribble, so recorded crime per resident is 54% lower in South Ribble. The biggest difference is in vehicle offences: 5.3 per 1,000 in Liverpool against 2.4 in South Ribble.
Can a typical earner buy?
| Terraced house | Liverpool | South Ribble |
|---|---|---|
| Median full-time pay | £37,144 | £37,883 |
| House price ÷ pay | 4.4× | 4.2× |
| Median pay as a share of income typically needed to buy | 113% | 118% |
| Rent a year as a share of median pay | 30% | 26% |
Buying, by property type
| Type | Liverpool | South Ribble | Difference |
|---|---|---|---|
| Detached | £380,000 | £323,000 | -15% in South Ribble |
| Semi-detached | £240,000 | £208,000 | -13% in South Ribble |
| Terraced | £165,000 | £160,000 | -3% in South Ribble |
Renting, by property type
| Type (average rent a month) | Liverpool | South Ribble | Difference |
|---|---|---|---|
| Detached | £1,225 | £1,075 | -12% in South Ribble |
| Semi-detached | £1,008 | £851 | -16% in South Ribble |
| Terraced | £917 | £833 | -9% in South Ribble |
Crime
Police recorded 124.1 crimes per 1,000 residents in Liverpool and 56.7 in South Ribble, so recorded crime per resident is 54% lower in South Ribble.
| Police recorded crime per 1,000 residents | Liverpool | South Ribble | Difference |
|---|---|---|---|
| All recorded crime (excluding fraud) | 124.1 | 56.7 | -54% in South Ribble |
| Violence against the person | 45.6 | 25.5 | -44% in South Ribble |
| Sexual offences | 4.1 | 2.8 | -32% in South Ribble |
| Robbery | 1.6 | 0.5 | -72% in South Ribble |
| Residential burglary (per 1,000 households) | 6.1 | 3.7 | -38% in South Ribble |
| Vehicle offences | 5.3 | 2.4 | -54% in South Ribble |
| Theft from the person | 1.2 | 0.2 | -86% in South Ribble |
| Criminal damage and arson | 10.3 | 5.9 | -43% in South Ribble |
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 | South Ribble |
|---|---|---|
| 2005 | 100 | 100 |
| 2006 | 110 | 105 |
| 2007 | 117 | 112 |
| 2008 | 113 | 109 |
| 2009 | 104 | 97 |
| 2010 | 105 | 103 |
| 2011 | 101 | 99 |
| 2012 | 99 | 97 |
| 2013 | 99 | 98 |
| 2014 | 103 | 101 |
| 2015 | 107 | 103 |
| 2016 | 110 | 108 |
| 2017 | 115 | 111 |
| 2018 | 121 | 114 |
| 2019 | 123 | 115 |
| 2020 | 128 | 118 |
| 2021 | 148 | 127 |
| 2022 | 161 | 138 |
| 2023 | 163 | 143 |
| 2024 | 166 | 143 |
| 2025 | 179 | 150 |
| 12 months to July 2026 | 183 | 153 |
In 2005 the average home cost £99,018 in Liverpool and £137,240 in South Ribble. Now it is £181,637 and £210,395: Liverpool is up 83% and South Ribble is up 53%. 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 | South Ribble |
|---|---|---|
| 2005 | 4.9 years of pay | 6.2 years of pay |
| 2010 | 4.3 years of pay | 5.6 years of pay |
| 2015 | 4.1 years of pay | 5.5 years of pay |
| 2020 | 4.1 years of pay | 5.6 years of pay |
| 2025 | 4.8 years of pay | 5.4 years of pay |
In 2005 a home cost 4.9 years of pay in Liverpool and 6.2 years in South Ribble. In 2025 it was 4.8 years and 5.4 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 | South Ribble |
|---|---|---|
| 2015 | 100 | 100 |
| 2016 | 103 | 102 |
| 2017 | 104 | 103 |
| 2018 | 104 | 104 |
| 2019 | 105 | 105 |
| 2020 | 106 | 106 |
| 2021 | 111 | 108 |
| 2022 | 119 | 113 |
| 2023 | 127 | 120 |
| 2024 | 138 | 129 |
| 2025 | 151 | 137 |
| August 2026 | 161 | 145 |
In 2015 the average rent was £567 a month in Liverpool and £555 in South Ribble. Now it is £913 and £805: up 61% in Liverpool and up 45% in South Ribble. 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 South Ribble
| Earning in Liverpool | Equivalent to buy in South Ribble | Equivalent to rent in South Ribble |
|---|---|---|
| £30,000 | £29,000 | £27,500 |
| £40,000 | £39,000 | £36,500 |
| £50,000 | £48,500 | £45,500 |
| £60,000 | £58,000 | £54,500 |
Moving from South Ribble to Liverpool
| Earning in South Ribble | Equivalent to buy in Liverpool | Equivalent to rent in Liverpool |
|---|---|---|
| £30,000 | £31,000 | £33,000 |
| £40,000 | £41,500 | £44,000 |
| £50,000 | £51,500 | £55,000 |
| £60,000 | £62,000 | £66,000 |