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Liverpool · report

Buy or rent in Liverpool

Owning and renting the average home cost about the same each month. Owning counts interest, running costs and the return the deposit could earn, at the average sale price; rent is the average of all private tenancies. Repaying the loan is saving, so it is left out.

Rent per month
£916
Owning per month
£887

Try your own numbers

Starting from the average sale price of £188,427 and the average private rent of £916 a month in Liverpool, and a mortgage rate of 4.6%.

Assumptions
4.6
1
Buildings insurance, maintenance, and any service charge and ground rent. Council tax is paid by tenants too, so it is left out.
3
What the deposit and purchase costs could earn if invested instead.
7
Stamp duty (land transaction tax in Wales, LBTT in Scotland), conveyancing, survey and lender's fees, paid once.

Owning and renting cost about the same each month.

Rent a month
£916
Owning a month, not recovered
£887
Interest
£650
Running costs
£157
Return given up
£80
Cash out a month, if buying
£1,026

Gross rental yield in Liverpool

A year's rent as a share of the average sale price, month by month. Higher means rent is dear compared with buying.

Show the numbers
PeriodLiverpool
Aug 20265.8%
Jul 20265.8%
Jun 20265.9%
May 20265.9%
Apr 20265.9%
Mar 20265.9%
Feb 20266.0%
Jan 20266.0%
Dec 20255.8%
Nov 20255.8%
Oct 20255.8%
Sep 20255.8%
Aug 20255.8%
Jul 20255.9%
Jun 20255.9%
May 20255.8%
Apr 20255.7%
Mar 20255.7%
Feb 20255.8%
Jan 20255.8%
Dec 20245.8%
Nov 20245.7%
Oct 20245.7%
Sep 20245.6%
Aug 20245.7%
Jul 20245.7%
Jun 20245.7%
May 20245.8%
Apr 20245.8%
Mar 20245.8%
Feb 20245.7%
Jan 20245.6%
Dec 20235.6%
Nov 20235.4%
Oct 20235.4%
Sep 20235.2%
Aug 20235.4%
Jul 20235.4%
Jun 20235.5%
May 20235.4%
Apr 20235.3%
Mar 20235.2%
Feb 20235.2%
Jan 20235.1%
Dec 20225.1%
Nov 20225.0%
Oct 20225.0%
Sep 20224.9%
Aug 20225.0%
Jul 20225.0%
Jun 20225.1%
May 20225.0%
Apr 20225.1%
Mar 20225.2%
Feb 20225.2%
Jan 20225.2%
Dec 20215.3%
Nov 20215.2%
Oct 20215.2%
Sep 20215.1%
Aug 20215.1%
Jul 20215.1%
Jun 20215.0%
May 20215.2%
Apr 20215.1%
Mar 20215.1%
Feb 20215.2%
Jan 20215.3%
Dec 20205.4%
Nov 20205.5%
Oct 20205.5%
Sep 20205.5%
Aug 20205.5%
Jul 20205.6%
Jun 20205.7%
May 20205.9%
Apr 20205.8%
Mar 20205.9%
Feb 20206.0%
Jan 20206.2%
Dec 20196.0%
Nov 20195.9%
Oct 20195.7%
Sep 20195.7%
Aug 20195.7%
Jul 20195.7%
Jun 20195.9%
May 20196.0%
Apr 20196.0%
Mar 20195.9%
Feb 20195.8%
Jan 20195.8%
Dec 20185.8%
Nov 20185.7%
Oct 20185.7%
Sep 20185.8%
Aug 20185.9%
Jul 20185.8%
Jun 20186.0%
May 20186.2%
Apr 20186.3%
Mar 20186.1%
Feb 20186.0%
Jan 20186.1%
Dec 20176.1%
Nov 20176.0%
Oct 20176.0%
Sep 20176.0%
Aug 20176.1%
Jul 20176.1%
Jun 20176.2%
May 20176.3%
Apr 20176.4%
Mar 20176.5%
Feb 20176.4%
Jan 20176.4%
Dec 20166.4%
Nov 20166.5%
Oct 20166.5%
Sep 20166.4%
Aug 20166.4%
Jul 20166.3%
Jun 20166.4%
May 20166.4%
Apr 20166.5%
Mar 20166.6%
Feb 20166.5%
Jan 20166.4%
Dec 20156.4%
Nov 20156.3%
Oct 20156.4%
Sep 20156.3%
Aug 20156.4%
Jul 20156.4%
Jun 20156.4%
May 20156.5%
Apr 20156.5%
Mar 20156.5%
Feb 20156.5%
Jan 20156.6%

The comparison counts only the costs of owning you never get back: interest, running costs and what the deposit and purchase costs could earn elsewhere. Loan repayments build equity, so they are left out. So is any rise in the home's value, because nobody knows it in advance. Rents here are ONS's average of all private tenancies, new and continuing, which runs below what a new tenant pays; Scotland's are mostly advertised new lets, and its councils and Northern Ireland's take their nation's figure.

Other reports for Liverpool

Next 12 months

Sale prices have an 80% chance of landing between £197,522 and £221,729 by August 2027.

Expected, August 2027
£209,626
Chance of a rise
99%

Affordability

At the average sale price, a home costs £188,427. With 10% down and a 30-year mortgage, the payment is £869 a month. The UK sets no cap on the payment; no more than 15% of new mortgages may lend over 4.5 times income.

Payment, two incomes
14%
Payment, one income
28%

New homes

68.4% fewer homes were started in the last 12 months than in an average year of the past decade.

Started, 12 months
220
Per 1,000 residents
0.4

Foreign buyers

Figures for United Kingdom: Liverpool has no reliable figures of its own.

Buyers living abroad bought 1.8% of the homes sold here in the four quarters to Q1 2025.

Bought by buyers abroad, 12 months
1.8%

Past cycles

Sale prices have fallen by 3% or more 7 times since 1995. The deepest began in September 2007.

Deepest fall
−20.4%
Recovery from the low
64 months

People and new homes

In 2025 the population fell by 109 while 240 homes were finished.

Homes finished, 2025
240
Population change, 2025
−109

Empty homes

8.6% of the 227,471 homes counted in the 2021 census had nobody usually living in them.

Empty, 2021 census
8.6%
Empty homes
19,615

Renovation

In 2025, 3% of the homes added came from existing buildings rather than new ones.

Homes from existing buildings, 2025
3%