What can you afford in Liverpool?
3,631 homes changed hands in Liverpool over the last 12 months (Jul 2025 – Jun 2026). Half sold for £190,000 or less, a quarter for under £140,022, and three quarters for under £280,000. Buying the median home with a 10% deposit needs roughly a £38,000 salary at the typical 4.5× lending multiple , see what £38,000 takes home.
Affordability in one number: the median home here sold for 5.1× the local median full-time salary of £37,144 (ONS ASHE 2025). A typical lender stretches to about 4.5× one income plus your deposit, which is why the deposit and second incomes decide so much here.
Sold prices · Liverpool
£190,000
median sold price, Jul 2025 – Jun 2026
- A quarter under
- £140,022
- Three quarters under
- £280,000
- Sales
- 3,631
- HPI average
- £184,670
What each salary reaches here
Budget = 4.5× salary with a 10% deposit, against the 3,631 actual sales.
| Salary | Budget | Share of sales in reach |
|---|---|---|
| £25,000 | £125,000 | 17.5% |
| £35,000 | £175,000 | 43% |
| £50,000 | £250,000 | 67.5% |
| £75,000 | £375,000 | 88.2% |
| £100,000 | £500,000 | 95% |
By property type · median sold price
And the salary that price implies, at 4.5× with 10% down.
| Type | Median · sales | Salary needed |
|---|---|---|
| Flat | £147,700 · 726 | ≈£29,540 |
| Terraced house | £167,000 · 1,561 | ≈£33,400 |
| Semi-detached house | £245,777 · 1,039 | ≈£49,155 |
| Detached house | £380,000 · 305 | ≈£76,000 |
For context, the UK House Price Index puts Liverpool average prices up 4.8% over 12 months.
Nearby in the index
Sold prices: HM Land Registry Price Paid Data (standard residential sales), Jul 2025 – Jun 2026, standard residential sales, England & Wales. Averages: UK House Price Index (HM Land Registry / ONS). Lending estimates use a typical 4.5× single-income multiple and are not a mortgage offer or financial advice.