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Liverpool's property market has proven itself as one of the UK's strongest performers, with prices rising faster than the national average while remaining affordable compared to southern cities.
In this article, we break down the current housing prices in Liverpool, examine which neighborhoods are growing fastest, and share our forecasts for 2026 and beyond.
We constantly update this blog post with the latest data and market developments so you always have access to fresh insights.
And if you're planning to buy a property in this place, you may want to download our pack covering the real estate market in Liverpool.
Insights
- Liverpool property prices reached £181,000 in October 2025, representing a 7% annual increase that outpaced the North West regional average of just 3.1%.
- The price gap between Liverpool and the UK average continues to narrow, with North West values now expected to sit just 15% below the national average by 2030, compared to nearly 30% a decade ago.
- Terraced properties in Liverpool posted the strongest growth at 8.2% year-on-year, while flats lagged behind at 3.8%, reflecting the UK-wide trend of houses outperforming apartments.
- Liverpool's rental market is surging alongside prices, with average rents hitting £878 per month in November 2025, an 8.3% annual increase that supports gross yields between 6% and 8%.
- The £5.5 billion Liverpool Waters regeneration project at Central Docks has secured £55 million in government funding, positioning the northern waterfront as the city's next major growth corridor.
- First-time buyers in Liverpool paid an average of £167,000 in October 2025, which is 7.3% higher than the previous year but still significantly below the UK average of £270,000.
- Savills forecasts the North West will see 27.6% cumulative house price growth between 2026 and 2030, making it one of the top-performing regions in the UK.
- The Bank of England cut interest rates to 3.75% in December 2025, with economists expecting rates to fall further to around 3% to 3.25% by the end of 2026, which should improve Liverpool buyer affordability.
What are the current property price trends in Liverpool as of 2026?
What is the average house price in Liverpool as of 2026?
As of early 2026, the average house price in Liverpool is approximately £183,000, which translates to around $230,000 USD or €215,000 EUR based on current exchange rates.
When you look at price per square meter, Liverpool properties currently average around £2,300 per square meter, or roughly $2,900 USD and €2,700 EUR, which makes it one of the more affordable major cities in England for the space you get.
If you're wondering what most buyers actually pay, the realistic price range that covers roughly 80% of property purchases in Liverpool spans from about £100,000 to £350,000, which is equivalent to $125,000 to $440,000 USD or €115,000 to €410,000 EUR, depending on whether you're buying an inner-city terrace or a family home in the southern suburbs.
How much have property prices increased in Liverpool over the past 12 months?
Property prices in Liverpool have increased by approximately 6% to 7% over the past 12 months, with the official ONS figure showing a 7.0% rise when comparing October 2024 to October 2025.
This growth has not been uniform across all property types, with terraced houses leading the pack at around 8.2% annual growth, semi-detached homes following closely, and flats seeing more modest gains of around 3.8% in Liverpool.
The single most significant factor driving this price movement in Liverpool has been the city's relative affordability compared to other UK cities, which has attracted first-time buyers and investors who have been priced out of southern markets.
Which neighborhoods have the fastest rising property prices in Liverpool as of 2026?
As of early 2026, the top three neighborhoods with the fastest rising property prices in Liverpool are the Baltic Triangle and city fringe areas, the North Docks and Vauxhall corridor, and the Anfield and Walton districts.
The Baltic Triangle and Ropewalks area is seeing annual price growth of around 8% to 10%, while North Docks and Vauxhall are posting similar gains driven by regeneration expectations, and Anfield is experiencing approximately 7% to 9% annual growth thanks to affordability and stadium-related investment.
The main demand driver explaining why these Liverpool neighborhoods are experiencing the fastest price growth is the combination of regeneration projects attracting new investment, affordability allowing first-time buyers to enter the market, and proximity to job centers in the city core.
By the way, you will find much more detailed price ranges across neighborhoods in our property pack covering the real estate market in Liverpool.
We have made this infographic to give you a quick and clear snapshot of the property market in the UK. It highlights key facts like rental prices, yields, and property costs both in city centers and outside, so you can easily compare opportunities. We’ve done some research and also included useful insights about the country’s economy, like GDP, population, and interest rates, to help you understand the bigger picture.
Which property types are increasing faster in value in Liverpool as of 2026?
As of early 2026, the ranking of property types by value appreciation rate in Liverpool places terraced houses and semi-detached houses at the top, followed by detached houses, then townhouses, and finally flats and apartments at the bottom.
Terraced houses in Liverpool are appreciating at approximately 7% to 8% annually, making them the top-performing property type in the city right now.
The main reason terraced houses are outperforming other property types in Liverpool is that they represent the most accessible entry point for first-time buyers and landlords, they typically have lower ongoing costs than flats, and they offer more space and flexibility than apartments.
Finally, if you're interested in a specific property type, you will find our latest analyses here:
- How much do properties cost in Liverpool?
- How much should you pay for a house in Liverpool?
- How much should you pay for an apartment in Liverpool?
- How much should you pay for a townhouse in Liverpool?
- How much should you pay for a studio in Liverpool?
What is driving property prices up or down in Liverpool as of 2026?
As of early 2026, the top three factors currently driving property prices in Liverpool are the city's affordability advantage compared to southern England, ongoing regeneration projects like Liverpool Waters, and the recent Bank of England interest rate cut to 3.75% which is improving buyer confidence.
The single factor with the strongest upward pressure on Liverpool property prices is the affordability gap, because buyers who cannot afford homes in London, Manchester, or the South East are finding that Liverpool offers similar urban amenities at a fraction of the price.
If you want to understand these factors at a deeper level, you can read our latest property market analysis about Liverpool here.
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What is the property price forecast for Liverpool in 2026?
How much are property prices expected to increase in Liverpool in 2026?
As of early 2026, property prices in Liverpool are expected to increase by approximately 3% over the full year.
The realistic range of forecasts from different analysts for Liverpool property price growth sits between 2% and 4%, with Savills projecting 3% for the North West region and some analysts expecting slightly stronger performance given Liverpool's recent momentum.
The main assumption underlying most price increase forecasts for Liverpool is that the Bank of England will continue cutting interest rates gradually throughout 2026, improving mortgage affordability without triggering a sudden surge in demand that would strain supply.
We go deeper and try to understand how solid are these forecasts in our pack covering the property market in Liverpool.
Which neighborhoods will see the highest price growth in Liverpool in 2026?
As of early 2026, the neighborhoods expected to see the highest price growth in Liverpool are North Docks and Vauxhall, Baltic Triangle, Anfield, and Kensington and Fairfield.
The projected price growth percentage for these top Liverpool neighborhoods ranges from 4% to 6% in 2026, outperforming the city average by 1 to 3 percentage points.
The primary catalyst driving expected growth in these neighborhoods is the concentration of regeneration activity, particularly the £5.5 billion Liverpool Waters project which is transforming the northern waterfront and creating ripple effects into surrounding areas.
One emerging neighborhood in Liverpool that could surprise with higher-than-expected growth is Toxteth and the Princes Park fringe, where spillover demand from the city center is meeting more affordable character housing stock.
By the way, we've written a blog article detailing what are the current best areas to invest in property in Liverpool.
What property types will appreciate the most in Liverpool in 2026?
As of early 2026, the property type expected to appreciate the most in Liverpool is terraced and semi-detached houses, particularly two-bedroom and three-bedroom family homes in strong rental and owner-occupier areas.
The projected appreciation percentage for these top-performing property types in Liverpool is approximately 3% to 4% for the year, slightly ahead of the city average.
The main demand trend driving appreciation for houses in Liverpool is the preference among both owner-occupiers and landlords for properties with lower running costs and fewer complications, as service charges and leasehold issues continue to weigh on flat values.
The property type expected to underperform in Liverpool during 2026 is investor-heavy apartment blocks in the city center, particularly those with high service charges or where many similar units are competing for the same pool of buyers and tenants.
We did some research and made this infographic to help you quickly compare rental yields of the major cities in the UK versus those in neighboring countries. It provides a clear view of how this country positions itself as a real estate investment destination, which might interest you if you’re planning to invest there.
How will interest rates affect property prices in Liverpool in 2026?
As of early 2026, the Bank of England's interest rate cut to 3.75% in December 2025 is expected to have a moderately positive impact on Liverpool property prices by improving mortgage affordability and encouraging more buyers into the market.
The current Bank Rate stands at 3.75%, and most economists expect further cuts to bring it down to around 3% to 3.25% by the end of 2026, which should translate into lower mortgage rates for Liverpool buyers.
A 1% decrease in interest rates typically improves property affordability in Liverpool by around 10% to 12% in terms of monthly payments, which can translate into price growth of roughly 3% to 5% as buyers compete for available homes with their increased borrowing capacity.
You can also read our latest update about mortgage and interest rates in The United Kingdom.
What are the biggest risks for property prices in Liverpool in 2026?
As of early 2026, the three biggest risks for property prices in Liverpool are interest rates staying higher for longer than expected, oversupply of similar apartments in certain city center locations, and a weaker-than-expected labor market reducing buyer demand.
The risk with the highest probability of materializing in Liverpool is the apartment oversupply scenario in parts of the city center and waterfront, where a concentration of similar units competing for buyers and tenants could put downward pressure on prices for that specific segment.
We actually cover all these risks and their likelihoods in our pack about the real estate market in Liverpool.
Is it a good time to buy a rental property in Liverpool in 2026?
As of early 2026, it is generally a good time to buy a rental property in Liverpool if you focus on the right property types in strong rental locations, because the combination of affordable purchase prices, gross yields of 6% to 8%, and expected capital growth creates favorable conditions for landlords.
The strongest argument in favor of buying a rental property now in Liverpool is that purchase prices remain low by UK standards while rental demand continues to grow, with average rents up 8.3% year-on-year and vacancy rates staying tight in popular tenant areas like Anfield, Kensington, and Wavertree.
The strongest argument for waiting before buying a rental property in Liverpool is that interest rates may fall further throughout 2026, which could reduce your financing costs and improve cash flow if you wait a few more months for better mortgage deals to emerge.
If you want to know our latest analysis (results may differ from what you just read), you can read our assessment on whether now is a good time to buy a property in Liverpool.
You'll also find a dedicated document about this specific question in our pack about real estate in Liverpool.
Buying real estate in Liverpool can be risky
An increasing number of foreign investors are showing interest. However, 90% of them will make mistakes. Avoid the pitfalls with our comprehensive guide.
Where will property prices be in 5 years in Liverpool?
What is the 5-year property price forecast for Liverpool as of 2026?
As of early 2026, the cumulative property price growth expected over the next 5 years in Liverpool is approximately 25% to 28%, in line with the North West regional forecast.
The range of 5-year forecasts from optimistic to conservative scenarios in Liverpool spans from about 22% total growth in a slower market environment to around 30% if economic conditions and interest rates prove more favorable than expected.
The projected average annual appreciation rate over the next 5 years in Liverpool works out to roughly 4.5% to 5% per year, with growth expected to accelerate in 2027, 2028, and 2029 before moderating slightly in 2030.
The key assumption most forecasters rely on for their 5-year Liverpool property price predictions is that the Bank of England will continue reducing interest rates gradually toward a terminal rate of around 2.5% to 3%, while the UK economy avoids recession and household incomes keep pace with inflation.
Which areas in Liverpool will have the best price growth over the next 5 years?
The top three areas in Liverpool expected to have the best price growth over the next 5 years are the North Docks and Vauxhall waterfront corridor, the Baltic Triangle and city fringe zone, and the southern family neighborhoods of Aigburth, Allerton, and Woolton.
The projected 5-year cumulative price growth for these top-performing Liverpool areas ranges from 30% to 40%, outperforming the city average by 5 to 15 percentage points depending on how regeneration projects progress.
This differs somewhat from our shorter forecast because the 5-year horizon captures the full impact of major infrastructure projects like Liverpool Waters that are still in early stages, whereas the 2026 forecast reflects only incremental progress on these developments.
The currently undervalued area in Liverpool with the best potential for outperformance over 5 years is Toxteth, where prices remain well below the city average but proximity to the city center and improving amenities could drive significant catch-up growth.
What property type will give the best return in Liverpool over 5 years as of 2026?
As of early 2026, the property type expected to give the best total return over 5 years in Liverpool is the two-bedroom or three-bedroom terraced house in a strong rental neighborhood like Anfield, Kensington, or Wavertree.
The projected 5-year total return for this top-performing property type in Liverpool is approximately 50% to 60%, combining capital appreciation of roughly 28% with rental income generating another 25% to 30% of the initial purchase price over five years.
The main structural trend favoring terraced houses over the next 5 years in Liverpool is the ongoing UK-wide shift away from apartments due to service charge concerns and leasehold complications, combined with strong demand from both families and landlords seeking lower-maintenance properties.
The property type offering the best balance of return and lower risk over 5 years in Liverpool is the semi-detached house in a well-established southern suburb like Aigburth or Mossley Hill, where steady owner-occupier demand provides liquidity and price stability even during market downturns.
How will new infrastructure projects affect property prices in Liverpool over 5 years?
The top three major infrastructure projects expected to impact Liverpool property prices over the next 5 years are the £5.5 billion Liverpool Waters regeneration at Central Docks, the £2 billion Knowledge Quarter expansion near the universities, and the new Everton Stadium at Bramley-Moore Dock which opened for the 2025/26 season.
The typical price premium for properties near completed infrastructure projects in Liverpool ranges from 10% to 20% compared to similar properties in areas without major development, with waterfront and stadium-adjacent locations often commanding the highest premiums.
The specific Liverpool neighborhoods that will benefit most from these infrastructure developments are Vauxhall and North Docks from Liverpool Waters, the L7 postcode around the Knowledge Quarter, and Kirkdale and Sandhills from the Everton Stadium ripple effect.
How will population growth and other factors impact property values in Liverpool in 5 years?
The projected population growth rate for Liverpool is approximately 0.6% to 0.7% annually, and this steady growth is expected to maintain upward pressure on property values over the next 5 years by sustaining demand for housing while new supply remains constrained.
The demographic shift that will have the strongest influence on property demand in Liverpool is the growth in young professionals and graduates choosing to stay in the city after university, attracted by lower living costs compared to London and Manchester combined with improving job opportunities in digital, creative, and health sectors.
Migration patterns, both domestic and international, are expected to positively affect Liverpool property values over 5 years as the city continues attracting buyers from more expensive southern regions seeking better affordability, while its large student population and established immigrant communities maintain rental demand.
The property types and areas in Liverpool that will benefit most from these demographic trends are two-bedroom apartments and terraces in city fringe locations popular with young professionals, and three-bedroom family homes in the southern suburbs that attract households relocating from higher-cost areas.
We made this infographic to show you how property prices in the UK compare to other big cities across the region. It breaks down the average price per square meter in city centers, so you can see how cities stack up. It’s an easy way to spot where you might get the best value for your money. We hope you like it.
What is the 10 year property price outlook in Liverpool?
What is the 10-year property price prediction for Liverpool as of 2026?
As of early 2026, the cumulative property price growth expected over the next 10 years in Liverpool is approximately 40% to 65%, depending on economic conditions and the pace of regeneration.
The range of 10-year forecasts from optimistic to conservative scenarios in Liverpool spans from about 40% total growth if interest rates stay elevated and economic headwinds persist, to around 65% if the regeneration story fully delivers and the UK economy performs well.
The projected average annual appreciation rate over the next 10 years in Liverpool works out to roughly 3.5% to 5% per year, with stronger growth expected in the first five years as the current affordability gap closes and moderating growth thereafter as prices converge toward UK averages.
The biggest uncertainty factor in making 10-year property price predictions for Liverpool is the long-term trajectory of interest rates and whether the Bank of England will maintain a relatively low rate environment, because this will determine how much buyers can borrow and ultimately how high prices can go.
What long-term economic factors will shape property prices in Liverpool?
The top three long-term economic factors that will shape property prices in Liverpool over the next decade are the level of interest rates set by the Bank of England, real income growth for Liverpool households, and the balance between housing supply and demand as the city's population evolves.
The single long-term economic factor that will have the most positive impact on Liverpool property values is the city's persistent affordability advantage, because as long as Liverpool remains cheaper than comparable UK cities, it will continue attracting buyers and investment that support price growth.
The single long-term economic factor that poses the greatest structural risk to Liverpool property values is employment volatility, because the city's economy remains more sensitive than southern regions to changes in the labor market, and a sustained rise in unemployment would quickly cool buyer demand.
You'll also find a much more detailed analysis in our pack about real estate in Liverpool.
What sources have we used to write this blog article?
Whether it's in our blog articles or the market analyses included in our property pack about Liverpool, we always rely on the strongest methodology we can and we don't throw out numbers at random.
We also aim to be fully transparent, so below we've listed the authoritative sources we used, and explained how we used them and the methods behind our estimates.
| Source | Why it's authoritative | How we used it |
|---|---|---|
| ONS Housing Prices in Liverpool | It's the UK's official statistics office publishing Liverpool-specific data from the UK House Price Index. | We used this as our primary anchor for average prices and annual growth rates. We also extracted property type breakdowns and first-time buyer data. |
| ONS UK House Price Index Monthly Statistics | It's the official monthly dataset behind the UK HPI methodology. | We used it to validate timing of data releases and ensure our Liverpool figures align with national methodology. We also cross-checked trend directions. |
| HM Land Registry UK HPI Browser | HM Land Registry is the official custodian of sold-price registration data used in UK HPI. | We used it to verify property type categories and cross-check index structure. We also validated our Liverpool transaction assumptions. |
| GOV.UK UK House Price Index Reports | It's the government portal that distributes official UK HPI releases. | We used it as a secondary route to confirm coverage and methodology. We ensured we weren't relying on unofficial data repackaging. |
| Bank of England December 2025 MPC Summary | It's the primary source for the Bank Rate decision and the Bank's economic narrative. | We used it to anchor our interest rate assumptions for 2026. We translated rate changes into expected impacts on Liverpool buyer affordability. |
| Savills Mainstream Forecasts 2026-2030 | Savills is a major UK research house with transparent regional forecast tables. | We used the North West forecast as our baseline for Liverpool growth assumptions. We adjusted slightly for Liverpool-specific regeneration factors. |
| Savills Residential Market Forecasts Hub | It's the official page hosting Savills' published forecast methodology. | We used it to confirm forecast context and understand caveats. We applied their mainstream versus prime distinctions to Liverpool segments. |
| Rightmove House Price Index December 2025 | Rightmove has the UK's largest publicly described sample of asking prices. | We used it to gauge near-term seller expectations heading into 2026. We treated it as a leading indicator and reconciled with official sold prices. |
| OBR Economic and Fiscal Outlook November 2025 | The OBR is the UK's independent official forecaster for fiscal planning. | We used it to frame 2026-2030 macro assumptions including growth, inflation, and incomes. We localized implications for Liverpool affordability. |
| IMF UK Article IV 2025 | The IMF is a top-tier international institution with independent UK analysis. | We used it as an external cross-check on UK macro direction. We translated their outlook into tailwinds and headwinds for Liverpool transactions. |
| House of Commons Library Constituency House Prices | It's Parliament's research service using official data at small-area level. | We used it to identify which small areas inside Liverpool are moving fastest. We converted statistical names into recognizable neighborhood examples. |
| Liverpool City Council Housing Indicators | It's the city's official source for local housing context and indicators. | We used it to ground local context like housing stock mix. We also reality-checked whether trends align with on-the-ground Liverpool conditions. |
| London Datastore Price per Square Metre Method | It documents a transparent method linking sold prices to property size using official datasets. | We used it to justify our price per square meter approach. We triangulated Liverpool figures using the Land Registry and EPC linked methodology. |
| Liverpool Waters Official Site | It's the primary project publisher for Liverpool's biggest regeneration pipeline. | We used it to support regeneration premium logic for nearby neighborhoods. We connected supply pipeline data to demand concentration areas. |
| GOV.UK Liverpool Waters Funding Announcement | It's the official government confirmation of infrastructure investment. | We used it to verify regeneration project funding and timelines. We incorporated this into our neighborhood growth projections. |
| Rightmove Liverpool House Prices | It aggregates Land Registry transaction data with user-friendly breakdowns. | We used it to cross-reference property type averages and validate our price ranges. We compared their 12-month trends with ONS official figures. |
| HomeOwners Alliance Mortgage Rate Forecast | It compiles multiple economist rate forecasts in an accessible format. | We used it to gather consensus rate expectations for 2026. We translated these into mortgage affordability impacts for Liverpool buyers. |
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If you want to go deeper, you can read the following: