Liverpool, UK
A cultural icon with legendary music heritage, waterfront regeneration, and some of the UK's most affordable city living.
Overview
Liverpool is a city in England with a population of 486,088. A cultural icon with legendary music heritage, waterfront regeneration, and some of the UK’s most affordable city living. Housing is more affordable than the national average. The overall cost of living is below the national average. Gardening thrives here — the 6a growing zone supports Cool to mild — apples, pears, berries, many vegetables. Sunshine is limited, with about 144 sunny days a year.
Last updated: September 12, 2026
Below Average vs UK Avg (100)
Affordable
Household income
Job market health
Liverpool vs UK Average
Taxes
- State Income Tax: 20.0%
- Sales Tax: 20.0%
Economy & Jobs
- Median Income: £30,000
- Unemployment: 5.1%
- Population: 486,088
Climate
- Sunny Days: 144/year
- Summer High: 68°F
- Winter Low: 36°F
- Farming Zone: USDA Zone 6a
Housing
- Median Home: £185,000
- 1BR Rent: £800/mo
Cost of Living
Liverpool's cost of living index is 86.5 (UK average = 100).
| Category | Liverpool | National Average | Difference |
|---|---|---|---|
| Overall | 86.5 | 100 | -13.5% |
| Housing | 84.3 | 100 | -15.7% |
Data source: Office for National Statistics (ONS), 2026
Housing Market
| Metric | Value |
|---|---|
| Median Home Price | £185,000 |
| Median Rent (1BR) | £800/mo |
| Median Rent (2BR) | £1,000/mo |
| Price per Sq Ft | £123 |
Data source: Rightmove, 2026
True Cost of Home Ownership
Utilities
Estimated monthly utility costs for a typical household in Liverpool:
| Utility | Estimated Monthly Cost | Notes |
|---|---|---|
| Electricity | £180 | Based on ~2,900 kWh/year typical UK household usage |
| Heating & Cooling | £84 | Estimated based on local climate. |
| Cooling (AC) | N/A | Estimated based on local climate and electricity rates |
| Water | £45 | Includes sewer |
| Internet (100+ Mbps) | £35 | Broadband average |
| Garbage / Trash | Included in taxes | Municipal service (covered by property taxes) |
| Total Utilities | £344 | Monthly estimate (including heating & cooling) |
Data sources: Ofgem, UK Energy Statistics 2024, Water UK, Ofcom
Remote Work Score
Liverpool scores —/100 for remote work readiness:
Climate
Liverpool has a varied climate with distinct seasons.
| Month | Avg High | Avg Low | Rainfall |
|---|---|---|---|
| January | 56°F | 36°F | 2.5" |
| April | 53°F | 51°F | 2.8" |
| July | 68°F | 43°F | 1.5" |
| October | 48°F | 54°F | 2.2" |
Cool to mild — apples, pears, berries, many vegetables
Natural Hazards
Liverpool faces the following natural hazards:
River and coastal flooding.
The UK experiences occasional tornadoes.
UK experiences winter storms.
Based on historical records and geographic risk assessment.
Taxes
- State Income Tax: 20%
- Sales Tax: 20%
- Property Tax: ~0.2% of assessed value
Economy & Jobs
Major industries include technology, healthcare, education, and manufacturing. The unemployment rate is 5.1%.
Crime & Safety
Crime rates in Liverpool per 100,000 residents:
Crime data is based on police-recorded offences within a 1-mile radius of the city center. Annual rates are estimated from monthly data.
Data source: UK Police Data
Schools & Education
Data source: Department for Education (DfE) — Schools, pupils and their characteristics
Universities & Higher Education
Data source: Center for World University Rankings (CWUR) & World Universities Database
Demographics
The population of Liverpool is diverse. The figures below show the ethnic, educational, and religious composition of the local population.
Ethnicity
Education
Religion
Data source: Office for National Statistics (ONS) Census 2021 (2021)
Important Disclaimer: All data on this page is for informational purposes only and does not constitute financial, legal, tax, or real estate advice. URCity and Northshore Press are not financial advisors, tax professionals, or real estate agents. Always consult qualified professionals before making relocation or financial decisions.
Frequently Asked Questions
What is the cost of living in Liverpool, UK?
The cost of living index in Liverpool is 86.5, which is Lower the UK national average of 100.
How much does it cost to buy a home in Liverpool?
The median home price in Liverpool is £185,000. The housing index is 84.3.
What is the average rent for a 1-bedroom apartment?
The average rent for a 1-bedroom apartment in Liverpool is approximately £800/mo.
Does Liverpool, ENG have income tax?
Liverpool is in ENG, which has an income tax rate of 20%.
What is the climate like in Liverpool?
Liverpool enjoys approximately 144 sunny days per year. Summer highs reach around 68°F, while winter lows can drop to around 36°F.
Data Sources
- Cost of Living: Office for National Statistics (ONS), 2026
- Housing Data: Rightmove, 2026
- Income & Employment: ONS Annual Survey of Hours and Earnings, 2024
- Utilities Ofgem, UK Energy Statistics 2024, Water UK, Ofcom
Data last updated: September 13, 2026. Data may not reflect current market conditions. Always verify with local sources before making relocation decisions.