Liverpool vs Welwyn Hatfield: buying or renting a home
A typical terraced house costs £247,500 (150%) more in Welwyn Hatfield than in Liverpool. Measured against local pay, buying is harder in Welwyn Hatfield: it takes 9.1× median annual pay, against 4.4× in Liverpool.
At a glance
| Liverpool | Welwyn Hatfield | |
|---|---|---|
| Buying a home | Fairly affordable | Expensive |
| Renting a home | Fairly affordable | Very expensive |
| Recorded crime | Above average | About average |
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 Welwyn Hatfield (£45,145) is 22% higher than in Liverpool (£37,144), while a typical terraced house costs 150% more (£412,500 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 9.1× in Welwyn Hatfield. Renting one takes 30% of pay in Liverpool and 41% in Welwyn Hatfield. Both are harder in Welwyn Hatfield, 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 Welwyn Hatfield is the 70th most expensive of 316 areas. For renting against pay, Liverpool is the 115th least expensive of 316 areas and Welwyn Hatfield is the 83rd most expensive of 316 areas.
Someone on £40,000 in Liverpool would need about £100,000 in Welwyn Hatfield to be equally placed to buy a terraced house, and about £66,500 to be equally placed to rent one. Keeping the same pay after a move to Welwyn Hatfield 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 77.7 in Welwyn Hatfield, so recorded crime per resident is 37% lower in Welwyn Hatfield. The biggest difference is in criminal damage and arson: 10.3 per 1,000 in Liverpool against 6.0 in Welwyn Hatfield.
Can a typical earner buy?
| Terraced house | Liverpool | Welwyn Hatfield |
|---|---|---|
| Median full-time pay | £37,144 | £45,145 |
| House price ÷ pay | 4.4× | 9.1× |
| Median pay as a share of income typically needed to buy | 113% | 55% |
| Rent a year as a share of median pay | 30% | 41% |
Buying, by property type
| Type | Liverpool | Welwyn Hatfield | Difference |
|---|---|---|---|
| Detached | £380,000 | £793,500 | +109% in Welwyn Hatfield |
| Semi-detached | £240,000 | £531,250 | +121% in Welwyn Hatfield |
| Terraced | £165,000 | £412,500 | +150% in Welwyn Hatfield |
| Flat | £147,500 | £245,000 | +66% in Welwyn Hatfield |
Renting, by property type
| Type (average rent a month) | Liverpool | Welwyn Hatfield | Difference |
|---|---|---|---|
| Detached | £1,225 | £1,922 | +57% in Welwyn Hatfield |
| Semi-detached | £1,008 | £1,669 | +66% in Welwyn Hatfield |
| Terraced | £917 | £1,527 | +67% in Welwyn Hatfield |
| Flat | £786 | £1,198 | +52% in Welwyn Hatfield |
Crime
Police recorded 124.1 crimes per 1,000 residents in Liverpool and 77.7 in Welwyn Hatfield, so recorded crime per resident is 37% lower in Welwyn Hatfield.
| Police recorded crime per 1,000 residents | Liverpool | Welwyn Hatfield | Difference |
|---|---|---|---|
| All recorded crime (excluding fraud) | 124.1 | 77.7 | -37% in Welwyn Hatfield |
| Violence against the person | 45.6 | 30.6 | -33% in Welwyn Hatfield |
| Sexual offences | 4.1 | 3.1 | -25% in Welwyn Hatfield |
| Robbery | 1.6 | 1.2 | -27% in Welwyn Hatfield |
| Residential burglary (per 1,000 households) | 6.1 | 7.6 | +25% in Welwyn Hatfield |
| Vehicle offences | 5.3 | 5.3 | -1% in Welwyn Hatfield |
| Theft from the person | 1.2 | 1.1 | -12% in Welwyn Hatfield |
| Criminal damage and arson | 10.3 | 6.0 | -42% in Welwyn Hatfield |
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 | Welwyn Hatfield |
|---|---|---|
| 2005 | 100 | 100 |
| 2006 | 110 | 104 |
| 2007 | 117 | 112 |
| 2008 | 113 | 111 |
| 2009 | 104 | 102 |
| 2010 | 105 | 114 |
| 2011 | 101 | 114 |
| 2012 | 99 | 116 |
| 2013 | 99 | 119 |
| 2014 | 103 | 131 |
| 2015 | 107 | 146 |
| 2016 | 110 | 168 |
| 2017 | 115 | 174 |
| 2018 | 121 | 177 |
| 2019 | 123 | 177 |
| 2020 | 128 | 179 |
| 2021 | 148 | 186 |
| 2022 | 161 | 200 |
| 2023 | 163 | 197 |
| 2024 | 166 | 193 |
| 2025 | 179 | 193 |
| 12 months to July 2026 | 183 | 196 |
In 2005 the average home cost £99,018 in Liverpool and £226,726 in Welwyn Hatfield. Now it is £181,637 and £444,673: Liverpool is up 83% and Welwyn Hatfield is up 96%. Prices have risen faster in Welwyn Hatfield, so the gap between the two has widened.
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 | Welwyn Hatfield |
|---|---|---|
| 2005 | 4.9 years of pay | 8.9 years of pay |
| 2010 | 4.3 years of pay | 8.4 years of pay |
| 2015 | 4.1 years of pay | 11.0 years of pay |
| 2020 | 4.1 years of pay | 11.9 years of pay |
| 2025 | 4.8 years of pay | 9.7 years of pay |
In 2005 a home cost 4.9 years of pay in Liverpool and 8.9 years in Welwyn Hatfield. In 2025 it was 4.8 years and 9.7 years.
Affordability has worsened more in Welwyn Hatfield 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 | Welwyn Hatfield |
|---|---|---|
| 2015 | 100 | 100 |
| 2016 | 103 | 104 |
| 2017 | 104 | 108 |
| 2018 | 104 | 109 |
| 2019 | 105 | 111 |
| 2020 | 106 | 111 |
| 2021 | 111 | 113 |
| 2022 | 119 | 117 |
| 2023 | 127 | 124 |
| 2024 | 138 | 132 |
| 2025 | 151 | 142 |
| August 2026 | 161 | 149 |
In 2015 the average rent was £567 a month in Liverpool and £1,018 in Welwyn Hatfield. Now it is £913 and £1,512: up 61% in Liverpool and up 49% in Welwyn Hatfield. 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 Welwyn Hatfield
| Earning in Liverpool | Equivalent to buy in Welwyn Hatfield | Equivalent to rent in Welwyn Hatfield |
|---|---|---|
| £30,000 | £75,000 | £50,000 |
| £40,000 | £100,000 | £66,500 |
| £50,000 | £125,000 | £83,500 |
| £60,000 | £150,000 | £100,000 |
Moving from Welwyn Hatfield to Liverpool
| Earning in Welwyn Hatfield | Equivalent to buy in Liverpool | Equivalent to rent in Liverpool |
|---|---|---|
| £30,000 | £12,000 | £18,000 |
| £40,000 | £16,000 | £24,000 |
| £50,000 | £20,000 | £30,000 |
| £60,000 | £24,000 | £36,000 |