Pay vs Place

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.

Liverpool, terraced
£165,000
Income typically needed: £33,000
Median full-time pay: £37,144
Welwyn Hatfield, terraced
£412,500
Income typically needed: £82,500
Median full-time pay: £45,145

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.

Liverpool: 183Welwyn Hatfield: 196
House prices in Liverpool and Welwyn Hatfield since 2005, indexed so that 2005 is 100Prices indexed to 2005 = 100. Liverpool now 183, Welwyn Hatfield now 196.5010015020020052010201520202025House prices in Liverpool and Welwyn Hatfield since 2005, indexed so that 2005 is 100Prices indexed to 2005 = 100. Liverpool now 183, Welwyn Hatfield now 196.5010015020020102020
Show the figures
YearLiverpoolWelwyn Hatfield
2005100100
2006110104
2007117112
2008113111
2009104102
2010105114
2011101114
201299116
201399119
2014103131
2015107146
2016110168
2017115174
2018121177
2019123177
2020128179
2021148186
2022161200
2023163197
2024166193
2025179193
12 months to July 2026183196

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.

Liverpool: 4.8 years of payWelwyn Hatfield: 9.7 years of pay
Years of median pay needed to buy the average home in Liverpool and Welwyn HatfieldLiverpool now 4.8, Welwyn Hatfield now 9.7 years of pay.0×5×10×15×20052010201520202025Years of median pay needed to buy the average home in Liverpool and Welwyn HatfieldLiverpool now 4.8, Welwyn Hatfield now 9.7 years of pay.0×5×10×15×20052010201520202025
Show the figures
YearLiverpoolWelwyn Hatfield
20054.9 years of pay8.9 years of pay
20104.3 years of pay8.4 years of pay
20154.1 years of pay11.0 years of pay
20204.1 years of pay11.9 years of pay
20254.8 years of pay9.7 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.

Liverpool: 161Welwyn Hatfield: 149
Rents in Liverpool and Welwyn Hatfield since 2015, indexed so that 2015 is 100Rents indexed to 2015 = 100. Liverpool now 161, Welwyn Hatfield now 149.100120140160180201620182020202220242026Rents in Liverpool and Welwyn Hatfield since 2015, indexed so that 2015 is 100Rents indexed to 2015 = 100. Liverpool now 161, Welwyn Hatfield now 149.100120140160180201520202025
Show the figures
YearLiverpoolWelwyn Hatfield
2015100100
2016103104
2017104108
2018104109
2019105111
2020106111
2021111113
2022119117
2023127124
2024138132
2025151142
August 2026161149

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
Prices are medians for each property type over the last 12 months of registered sales; types with fewer than 100 sales in either area are left out. Rents are ONS averages for the area. Pay is the median for full-time employees living in the area, before tax. Income needed is illustrative: it assumes a 10% deposit and a lender willing to lend 4.5 times income. Real lending depends on your circumstances. Salary equivalents compare housing costs only, not other living costs, tax or the pay you could earn in a new job.

All Liverpool figures · All Welwyn Hatfield figures