Liverpool vs West Berkshire: buying or renting a home
A typical terraced house costs £167,000 (101%) more in West Berkshire than in Liverpool. Measured against local pay, buying is harder in West Berkshire: it takes 7.4× median annual pay, against 4.4× in Liverpool.
At a glance
| Liverpool | West Berkshire | |
|---|---|---|
| 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 West Berkshire (£44,887) is 21% higher than in Liverpool (£37,144), while a typical terraced house costs 101% more (£332,000 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 7.4× in West Berkshire. Renting one takes 30% of pay in Liverpool and 34% in West Berkshire. Both are harder in West Berkshire, 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 West Berkshire is the 110th most expensive of 316 areas. For renting against pay, Liverpool is the 115th least expensive of 316 areas and West Berkshire is the 124th most expensive of 316 areas.
Someone on £40,000 in Liverpool would need about £80,500 in West Berkshire to be equally placed to buy a terraced house, and about £55,500 to be equally placed to rent one. Keeping the same pay after a move to West Berkshire 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 55.0 in West Berkshire, so recorded crime per resident is 56% lower in West Berkshire. The biggest difference is in violence against the person: 45.6 per 1,000 in Liverpool against 20.7 in West Berkshire.
Can a typical earner buy?
| Terraced house | Liverpool | West Berkshire |
|---|---|---|
| Median full-time pay | £37,144 | £44,887 |
| House price ÷ pay | 4.4× | 7.4× |
| Median pay as a share of income typically needed to buy | 113% | 68% |
| Rent a year as a share of median pay | 30% | 34% |
Buying, by property type
| Type | Liverpool | West Berkshire | Difference |
|---|---|---|---|
| Detached | £380,000 | £625,000 | +64% in West Berkshire |
| Semi-detached | £240,000 | £400,000 | +67% in West Berkshire |
| Terraced | £165,000 | £332,000 | +101% in West Berkshire |
| Flat | £147,500 | £210,000 | +42% in West Berkshire |
Renting, by property type
| Type (average rent a month) | Liverpool | West Berkshire | Difference |
|---|---|---|---|
| Detached | £1,225 | £2,011 | +64% in West Berkshire |
| Semi-detached | £1,008 | £1,447 | +44% in West Berkshire |
| Terraced | £917 | £1,272 | +39% in West Berkshire |
| Flat | £786 | £1,104 | +40% in West Berkshire |
Crime
Police recorded 124.1 crimes per 1,000 residents in Liverpool and 55.0 in West Berkshire, so recorded crime per resident is 56% lower in West Berkshire.
| Police recorded crime per 1,000 residents | Liverpool | West Berkshire | Difference |
|---|---|---|---|
| All recorded crime (excluding fraud) | 124.1 | 55.0 | -56% in West Berkshire |
| Violence against the person | 45.6 | 20.7 | -55% in West Berkshire |
| Sexual offences | 4.1 | 2.4 | -41% in West Berkshire |
| Robbery | 1.6 | 0.6 | -63% in West Berkshire |
| Residential burglary (per 1,000 households) | 6.1 | 3.3 | -46% in West Berkshire |
| Vehicle offences | 5.3 | 2.9 | -45% in West Berkshire |
| Theft from the person | 1.2 | 0.2 | -82% in West Berkshire |
| Criminal damage and arson | 10.3 | 5.6 | -46% in West Berkshire |
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 | West Berkshire |
|---|---|---|
| 2005 | 100 | 100 |
| 2006 | 110 | 106 |
| 2007 | 117 | 116 |
| 2008 | 113 | 114 |
| 2009 | 104 | 102 |
| 2010 | 105 | 113 |
| 2011 | 101 | 115 |
| 2012 | 99 | 116 |
| 2013 | 99 | 120 |
| 2014 | 103 | 130 |
| 2015 | 107 | 142 |
| 2016 | 110 | 155 |
| 2017 | 115 | 161 |
| 2018 | 121 | 163 |
| 2019 | 123 | 161 |
| 2020 | 128 | 161 |
| 2021 | 148 | 168 |
| 2022 | 161 | 184 |
| 2023 | 163 | 187 |
| 2024 | 166 | 183 |
| 2025 | 179 | 193 |
| 12 months to July 2026 | 183 | 193 |
In 2005 the average home cost £99,018 in Liverpool and £208,303 in West Berkshire. Now it is £181,637 and £401,327: Liverpool is up 83% and West Berkshire is up 93%. Prices have risen faster in West Berkshire, 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 | West Berkshire |
|---|---|---|
| 2005 | 4.9 years of pay | 7.5 years of pay |
| 2010 | 4.3 years of pay | 7.7 years of pay |
| 2015 | 4.1 years of pay | 9.2 years of pay |
| 2020 | 4.1 years of pay | 9.5 years of pay |
| 2025 | 4.8 years of pay | 8.9 years of pay |
In 2005 a home cost 4.9 years of pay in Liverpool and 7.5 years in West Berkshire. In 2025 it was 4.8 years and 8.9 years.
Affordability has worsened more in West Berkshire 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 | West Berkshire |
|---|---|---|
| 2015 | 100 | 100 |
| 2016 | 103 | 106 |
| 2017 | 104 | 109 |
| 2018 | 104 | 111 |
| 2019 | 105 | 114 |
| 2020 | 106 | 114 |
| 2021 | 111 | 116 |
| 2022 | 119 | 119 |
| 2023 | 127 | 126 |
| 2024 | 138 | 135 |
| 2025 | 151 | 140 |
| August 2026 | 161 | 149 |
In 2015 the average rent was £567 a month in Liverpool and £899 in West Berkshire. Now it is £913 and £1,338: up 61% in Liverpool and up 49% in West Berkshire. 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 West Berkshire
| Earning in Liverpool | Equivalent to buy in West Berkshire | Equivalent to rent in West Berkshire |
|---|---|---|
| £30,000 | £60,500 | £41,500 |
| £40,000 | £80,500 | £55,500 |
| £50,000 | £100,500 | £69,500 |
| £60,000 | £120,500 | £83,000 |
Moving from West Berkshire to Liverpool
| Earning in West Berkshire | Equivalent to buy in Liverpool | Equivalent to rent in Liverpool |
|---|---|---|
| £30,000 | £15,000 | £21,500 |
| £40,000 | £20,000 | £29,000 |
| £50,000 | £25,000 | £36,000 |
| £60,000 | £30,000 | £43,500 |