Liverpool vs Test Valley: buying or renting a home
A typical terraced house costs £130,000 (79%) more in Test Valley than in Liverpool. Measured against local pay, buying is harder in Test Valley: it takes 7.3× median annual pay, against 4.4× in Liverpool.
At a glance
| Liverpool | Test Valley | |
|---|---|---|
| Buying a home | Fairly affordable | Expensive |
| Renting a home | Fairly affordable | 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 Test Valley (£40,576) is 9% higher than in Liverpool (£37,144), while a typical terraced house costs 79% more (£295,000 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 7.3× in Test Valley. Renting one takes 30% of pay in Liverpool and 37% in Test Valley. Both are harder in Test Valley, 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 Test Valley is the 96th most expensive of 316 areas. For renting against pay, Liverpool is the 115th least expensive of 316 areas and Test Valley is the 115th most expensive of 316 areas.
Someone on £40,000 in Liverpool would need about £71,500 in Test Valley to be equally placed to buy a terraced house, and about £55,000 to be equally placed to rent one. Keeping the same pay after a move to Test 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 52.2 in Test Valley, so recorded crime per resident is 58% lower in Test Valley. The biggest difference is in criminal damage and arson: 10.3 per 1,000 in Liverpool against 4.4 in Test Valley.
Can a typical earner buy?
| Terraced house | Liverpool | Test Valley |
|---|---|---|
| Median full-time pay | £37,144 | £40,576 |
| House price ÷ pay | 4.4× | 7.3× |
| Median pay as a share of income typically needed to buy | 113% | 69% |
| Rent a year as a share of median pay | 30% | 37% |
Buying, by property type
| Type | Liverpool | Test Valley | Difference |
|---|---|---|---|
| Detached | £380,000 | £564,500 | +49% in Test Valley |
| Semi-detached | £240,000 | £355,000 | +48% in Test Valley |
| Terraced | £165,000 | £295,000 | +79% in Test Valley |
| Flat | £147,500 | £190,000 | +29% in Test Valley |
Renting, by property type
| Type (average rent a month) | Liverpool | Test Valley | Difference |
|---|---|---|---|
| Detached | £1,225 | £1,739 | +42% in Test Valley |
| Semi-detached | £1,008 | £1,369 | +36% in Test Valley |
| Terraced | £917 | £1,257 | +37% in Test Valley |
| Flat | £786 | £985 | +25% in Test Valley |
Crime
Police recorded 124.1 crimes per 1,000 residents in Liverpool and 52.2 in Test Valley, so recorded crime per resident is 58% lower in Test Valley.
| Police recorded crime per 1,000 residents | Liverpool | Test Valley | Difference |
|---|---|---|---|
| All recorded crime (excluding fraud) | 124.1 | 52.2 | -58% in Test Valley |
| Violence against the person | 45.6 | 21.7 | -52% in Test Valley |
| Sexual offences | 4.1 | 2.4 | -43% in Test Valley |
| Robbery | 1.6 | 0.4 | -75% in Test Valley |
| Residential burglary (per 1,000 households) | 6.1 | 4.6 | -23% in Test Valley |
| Vehicle offences | 5.3 | 2.8 | -47% in Test Valley |
| Theft from the person | 1.2 | 0.1 | -87% in Test Valley |
| Criminal damage and arson | 10.3 | 4.4 | -57% in Test 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 | Test Valley |
|---|---|---|
| 2005 | 100 | 100 |
| 2006 | 110 | 105 |
| 2007 | 117 | 117 |
| 2008 | 113 | 114 |
| 2009 | 104 | 102 |
| 2010 | 105 | 113 |
| 2011 | 101 | 111 |
| 2012 | 99 | 111 |
| 2013 | 99 | 113 |
| 2014 | 103 | 121 |
| 2015 | 107 | 132 |
| 2016 | 110 | 141 |
| 2017 | 115 | 151 |
| 2018 | 121 | 154 |
| 2019 | 123 | 154 |
| 2020 | 128 | 159 |
| 2021 | 148 | 166 |
| 2022 | 161 | 185 |
| 2023 | 163 | 190 |
| 2024 | 166 | 184 |
| 2025 | 179 | 186 |
| 12 months to July 2026 | 183 | 185 |
In 2005 the average home cost £99,018 in Liverpool and £201,013 in Test Valley. Now it is £181,637 and £372,261: Liverpool is up 83% and Test Valley is up 85%.
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 | Test Valley |
|---|---|---|
| 2005 | 4.9 years of pay | 7.9 years of pay |
| 2010 | 4.3 years of pay | 8.4 years of pay |
| 2015 | 4.1 years of pay | 8.5 years of pay |
| 2020 | 4.1 years of pay | 9.1 years of pay |
| 2025 | 4.8 years of pay | 9.2 years of pay |
In 2005 a home cost 4.9 years of pay in Liverpool and 7.9 years in Test Valley. In 2025 it was 4.8 years and 9.2 years.
Affordability has worsened more in Test Valley 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 | Test Valley |
|---|---|---|
| 2015 | 100 | 100 |
| 2016 | 103 | 104 |
| 2017 | 104 | 107 |
| 2018 | 104 | 109 |
| 2019 | 105 | 110 |
| 2020 | 106 | 112 |
| 2021 | 111 | 116 |
| 2022 | 119 | 121 |
| 2023 | 127 | 126 |
| 2024 | 138 | 133 |
| 2025 | 151 | 139 |
| August 2026 | 161 | 148 |
In 2015 the average rent was £567 a month in Liverpool and £832 in Test Valley. Now it is £913 and £1,235: up 61% in Liverpool and up 48% in Test 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 Test Valley
| Earning in Liverpool | Equivalent to buy in Test Valley | Equivalent to rent in Test Valley |
|---|---|---|
| £30,000 | £53,500 | £41,000 |
| £40,000 | £71,500 | £55,000 |
| £50,000 | £89,500 | £68,500 |
| £60,000 | £107,500 | £82,000 |
Moving from Test Valley to Liverpool
| Earning in Test Valley | Equivalent to buy in Liverpool | Equivalent to rent in Liverpool |
|---|---|---|
| £30,000 | £17,000 | £22,000 |
| £40,000 | £22,500 | £29,000 |
| £50,000 | £28,000 | £36,500 |
| £60,000 | £33,500 | £44,000 |