What can you afford in Sefton?
2,898 homes changed hands in Sefton over the last 12 months (Jul 2025 – Jun 2026). Half sold for £228,000 or less, a quarter for under £167,000, and three quarters for under £305,000. Buying the median home with a 10% deposit needs roughly a £45,600 salary at the typical 4.5× lending multiple , see what £46,000 takes home.
Affordability in one number: the median home here sold for 6.2× the local median full-time salary of £36,937 (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 · Sefton
£228,000
median sold price, Jul 2025 – Jun 2026
- A quarter under
- £167,000
- Three quarters under
- £305,000
- Sales
- 2,898
- HPI average
- £222,406
What each salary reaches here
Budget = 4.5× salary with a 10% deposit, against the 2,898 actual sales.
| Salary | Budget | Share of sales in reach |
|---|---|---|
| £25,000 | £125,000 | 11.6% |
| £35,000 | £175,000 | 28.1% |
| £50,000 | £250,000 | 59% |
| £75,000 | £375,000 | 86.7% |
| £100,000 | £500,000 | 94.3% |
By property type · median sold price
And the salary that price implies, at 4.5× with 10% down.
| Type | Median · sales | Salary needed |
|---|---|---|
| Flat | £135,000 · 448 | ≈£27,000 |
| Terraced house | £175,000 · 530 | ≈£35,000 |
| Semi-detached house | £240,000 · 1,400 | ≈£48,000 |
| Detached house | £371,000 · 520 | ≈£74,200 |
For context, the UK House Price Index puts Sefton average prices up 3.5% 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.