Manchester vs Surrey Heath: buying or renting a home
A typical terraced house costs £129,000 (50%) more in Surrey Heath than in Manchester. Measured against local pay, buying is harder in Surrey Heath: it takes 8.8× median annual pay, against 7.1× in Manchester.
At a glance
| Manchester | Surrey Heath | |
|---|---|---|
| Buying a home | Fairly affordable | Very expensive |
| Renting a home | Very expensive | Very expensive |
| Recorded crime | High | 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 20% higher than in Manchester (£36,278), while a typical terraced house costs 50% more (£385,000 against £256,000). Set against local pay, Manchester is the easier of the two for a typical earner to buy in.
Buying a terraced house takes 7.1× annual pay in Manchester and 8.8× in Surrey Heath. Renting one takes 46% of pay in Manchester and 40% in Surrey Heath. The two measures point different ways: buying is harder in Surrey Heath, but renting takes a bigger share of pay in Manchester.
Across all property types and measured against pay, Manchester is around the middle of 316 areas (188th most expensive) to buy in, and Surrey Heath is the 27th most expensive of 316 areas. For renting against pay, Manchester is the 46th most expensive of 316 areas and Surrey Heath is the 69th most expensive of 316 areas.
Someone on £40,000 in Manchester would need about £60,000 in Surrey Heath to be equally placed to buy a terraced house, and about £41,500 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 142.7 crimes per 1,000 residents in Manchester and 51.7 in Surrey Heath, so recorded crime per resident is 64% lower in Surrey Heath. The biggest difference is in vehicle offences: 7.9 per 1,000 in Manchester against 2.5 in Surrey Heath.
Can a typical earner buy?
| Terraced house | Manchester | Surrey Heath |
|---|---|---|
| Median full-time pay | £36,278 | £43,633 |
| House price ÷ pay | 7.1× | 8.8× |
| Median pay as a share of income typically needed to buy | 71% | 57% |
| Rent a year as a share of median pay | 46% | 40% |
Buying, by property type
| Type | Manchester | Surrey Heath | Difference |
|---|---|---|---|
| Detached | £400,000 | £710,000 | +78% in Surrey Heath |
| Semi-detached | £310,000 | £471,000 | +52% in Surrey Heath |
| Terraced | £256,000 | £385,000 | +50% in Surrey Heath |
| Flat | £210,000 | £232,500 | +11% in Surrey Heath |
Renting, by property type
| Type (average rent a month) | Manchester | Surrey Heath | Difference |
|---|---|---|---|
| Detached | £1,878 | £2,243 | +19% in Surrey Heath |
| Semi-detached | £1,496 | £1,609 | +8% in Surrey Heath |
| Terraced | £1,405 | £1,457 | +4% in Surrey Heath |
| Flat | £1,147 | £1,218 | +6% in Surrey Heath |
Crime
Police recorded 142.7 crimes per 1,000 residents in Manchester and 51.7 in Surrey Heath, so recorded crime per resident is 64% lower in Surrey Heath.
| Police recorded crime per 1,000 residents | Manchester | Surrey Heath | Difference |
|---|---|---|---|
| All recorded crime (excluding fraud) | 142.7 | 51.7 | -64% in Surrey Heath |
| Violence against the person | 51.9 | 20.3 | -61% in Surrey Heath |
| Sexual offences | 5.6 | 2.3 | -59% in Surrey Heath |
| Robbery | 2.7 | 0.3 | -87% in Surrey Heath |
| Residential burglary (per 1,000 households) | 9.3 | 3.0 | -68% in Surrey Heath |
| Vehicle offences | 7.9 | 2.5 | -69% in Surrey Heath |
| Theft from the person | 3.9 | 0.3 | -94% in Surrey Heath |
| Criminal damage and arson | 10.0 | 4.6 | -54% 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 | Manchester | Surrey Heath |
|---|---|---|
| 2005 | 100 | 100 |
| 2006 | 117 | 104 |
| 2007 | 129 | 116 |
| 2008 | 125 | 114 |
| 2009 | 112 | 102 |
| 2010 | 115 | 113 |
| 2011 | 114 | 110 |
| 2012 | 115 | 114 |
| 2013 | 115 | 119 |
| 2014 | 125 | 131 |
| 2015 | 133 | 145 |
| 2016 | 145 | 157 |
| 2017 | 158 | 159 |
| 2018 | 167 | 160 |
| 2019 | 173 | 160 |
| 2020 | 178 | 158 |
| 2021 | 209 | 170 |
| 2022 | 231 | 185 |
| 2023 | 233 | 183 |
| 2024 | 241 | 180 |
| 2025 | 247 | 184 |
| 12 months to July 2026 | 251 | 188 |
In 2005 the average home cost £100,202 in Manchester and £242,306 in Surrey Heath. Now it is £251,205 and £454,644: Manchester is up 151% and Surrey Heath is up 88%. Prices have risen faster in Manchester, so the gap between the two has narrowed.
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 | Manchester | Surrey Heath |
|---|---|---|
| 2005 | 4.8 years of pay | 7.6 years of pay |
| 2010 | 5.0 years of pay | 7.8 years of pay |
| 2015 | 5.4 years of pay | 10.3 years of pay |
| 2020 | 6.3 years of pay | 9.7 years of pay |
| 2025 | 6.8 years of pay | 10.2 years of pay |
In 2005 a home cost 4.8 years of pay in Manchester and 7.6 years in Surrey Heath. In 2025 it was 6.8 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 | Manchester | Surrey Heath |
|---|---|---|
| 2015 | 100 | 100 |
| 2016 | 101 | 102 |
| 2017 | 106 | 109 |
| 2018 | 112 | 109 |
| 2019 | 114 | 106 |
| 2020 | 117 | 106 |
| 2021 | 120 | 107 |
| 2022 | 127 | 111 |
| 2023 | 139 | 120 |
| 2024 | 156 | 133 |
| 2025 | 167 | 140 |
| August 2026 | 174 | 142 |
In 2015 the average rent was £790 a month in Manchester and £1,056 in Surrey Heath. Now it is £1,373 and £1,503: up 74% in Manchester and up 42% in Surrey Heath. Rents have risen faster in Manchester.
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 Manchester to Surrey Heath
| Earning in Manchester | Equivalent to buy in Surrey Heath | Equivalent to rent in Surrey Heath |
|---|---|---|
| £30,000 | £45,000 | £31,000 |
| £40,000 | £60,000 | £41,500 |
| £50,000 | £75,000 | £52,000 |
| £60,000 | £90,000 | £62,000 |
Moving from Surrey Heath to Manchester
| Earning in Surrey Heath | Equivalent to buy in Manchester | Equivalent to rent in Manchester |
|---|---|---|
| £30,000 | £20,000 | £29,000 |
| £40,000 | £26,500 | £38,500 |
| £50,000 | £33,000 | £48,000 |
| £60,000 | £40,000 | £58,000 |