Liverpool vs Surrey Heath: buying or renting a home
A typical terraced house costs £220,000 (133%) more in Surrey Heath than in Liverpool. Measured against local pay, buying is harder in Surrey Heath: it takes 8.8× median annual pay, against 4.4× in Liverpool.
At a glance
| Liverpool | Surrey Heath | |
|---|---|---|
| Buying a home | Fairly affordable | Very expensive |
| Renting a home | Fairly affordable | Very expensive |
| 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 Surrey Heath (£43,633) is 17% higher than in Liverpool (£37,144), while a typical terraced house costs 133% more (£385,000 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 8.8× in Surrey Heath. Renting one takes 30% of pay in Liverpool and 40% in Surrey Heath. Both are harder in Surrey Heath, and the gap is wider for buying.
Across all property types and measured against pay, Liverpool is the 27th least expensive of 316 areas to buy in, and Surrey Heath is the 27th most expensive of 316 areas. For renting against pay, Liverpool is the 115th least expensive of 316 areas and Surrey Heath is the 69th most expensive of 316 areas.
Someone on £40,000 in Liverpool would need about £93,500 in Surrey Heath to be equally placed to buy a terraced house, and about £63,500 to be equally placed to rent one. Keeping the same pay after a move to Surrey Heath 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 51.7 in Surrey Heath, so recorded crime per resident is 58% lower in Surrey Heath. The biggest difference is in violence against the person: 45.6 per 1,000 in Liverpool against 20.3 in Surrey Heath.
Can a typical earner buy?
| Terraced house | Liverpool | Surrey Heath |
|---|---|---|
| Median full-time pay | £37,144 | £43,633 |
| House price ÷ pay | 4.4× | 8.8× |
| Median pay as a share of income typically needed to buy | 113% | 57% |
| Rent a year as a share of median pay | 30% | 40% |
Buying, by property type
| Type | Liverpool | Surrey Heath | Difference |
|---|---|---|---|
| Detached | £380,000 | £710,000 | +87% in Surrey Heath |
| Semi-detached | £240,000 | £471,000 | +96% in Surrey Heath |
| Terraced | £165,000 | £385,000 | +133% in Surrey Heath |
| Flat | £147,500 | £232,500 | +58% in Surrey Heath |
Renting, by property type
| Type (average rent a month) | Liverpool | Surrey Heath | Difference |
|---|---|---|---|
| Detached | £1,225 | £2,243 | +83% in Surrey Heath |
| Semi-detached | £1,008 | £1,609 | +60% in Surrey Heath |
| Terraced | £917 | £1,457 | +59% in Surrey Heath |
| Flat | £786 | £1,218 | +55% in Surrey Heath |
Crime
Police recorded 124.1 crimes per 1,000 residents in Liverpool and 51.7 in Surrey Heath, so recorded crime per resident is 58% lower in Surrey Heath.
| Police recorded crime per 1,000 residents | Liverpool | Surrey Heath | Difference |
|---|---|---|---|
| All recorded crime (excluding fraud) | 124.1 | 51.7 | -58% in Surrey Heath |
| Violence against the person | 45.6 | 20.3 | -56% in Surrey Heath |
| Sexual offences | 4.1 | 2.3 | -45% in Surrey Heath |
| Robbery | 1.6 | 0.3 | -79% in Surrey Heath |
| Residential burglary (per 1,000 households) | 6.1 | 3.0 | -51% in Surrey Heath |
| Vehicle offences | 5.3 | 2.5 | -53% in Surrey Heath |
| Theft from the person | 1.2 | 0.3 | -79% in Surrey Heath |
| Criminal damage and arson | 10.3 | 4.6 | -55% in Surrey Heath |
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 | Surrey Heath |
|---|---|---|
| 2005 | 100 | 100 |
| 2006 | 110 | 104 |
| 2007 | 117 | 116 |
| 2008 | 113 | 114 |
| 2009 | 104 | 102 |
| 2010 | 105 | 113 |
| 2011 | 101 | 110 |
| 2012 | 99 | 114 |
| 2013 | 99 | 119 |
| 2014 | 103 | 131 |
| 2015 | 107 | 145 |
| 2016 | 110 | 157 |
| 2017 | 115 | 159 |
| 2018 | 121 | 160 |
| 2019 | 123 | 160 |
| 2020 | 128 | 158 |
| 2021 | 148 | 170 |
| 2022 | 161 | 185 |
| 2023 | 163 | 183 |
| 2024 | 166 | 180 |
| 2025 | 179 | 184 |
| 12 months to July 2026 | 183 | 188 |
In 2005 the average home cost £99,018 in Liverpool and £242,306 in Surrey Heath. Now it is £181,637 and £454,644: Liverpool is up 83% and Surrey Heath is up 88%.
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 | Surrey Heath |
|---|---|---|
| 2005 | 4.9 years of pay | 7.6 years of pay |
| 2010 | 4.3 years of pay | 7.8 years of pay |
| 2015 | 4.1 years of pay | 10.3 years of pay |
| 2020 | 4.1 years of pay | 9.7 years of pay |
| 2025 | 4.8 years of pay | 10.2 years of pay |
In 2005 a home cost 4.9 years of pay in Liverpool and 7.6 years in Surrey Heath. In 2025 it was 4.8 years and 10.2 years.
Affordability has worsened more in Surrey Heath 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 | Surrey Heath |
|---|---|---|
| 2015 | 100 | 100 |
| 2016 | 103 | 102 |
| 2017 | 104 | 109 |
| 2018 | 104 | 109 |
| 2019 | 105 | 106 |
| 2020 | 106 | 106 |
| 2021 | 111 | 107 |
| 2022 | 119 | 111 |
| 2023 | 127 | 120 |
| 2024 | 138 | 133 |
| 2025 | 151 | 140 |
| August 2026 | 161 | 142 |
In 2015 the average rent was £567 a month in Liverpool and £1,056 in Surrey Heath. Now it is £913 and £1,503: up 61% in Liverpool and up 42% in Surrey Heath. 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 Surrey Heath
| Earning in Liverpool | Equivalent to buy in Surrey Heath | Equivalent to rent in Surrey Heath |
|---|---|---|
| £30,000 | £70,000 | £47,500 |
| £40,000 | £93,500 | £63,500 |
| £50,000 | £116,500 | £79,500 |
| £60,000 | £140,000 | £95,500 |
Moving from Surrey Heath to Liverpool
| Earning in Surrey Heath | Equivalent to buy in Liverpool | Equivalent to rent in Liverpool |
|---|---|---|
| £30,000 | £13,000 | £19,000 |
| £40,000 | £17,000 | £25,000 |
| £50,000 | £21,500 | £31,500 |
| £60,000 | £25,500 | £38,000 |