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Crunching costs, sorting signals, rendering insights.
Crunching costs, sorting signals, rendering insights.
On a £20K salary in North West, 0 out of 2 cities keep rent under 30% of income. Liverpool offers the best value — cost index 88, rent £750/mo.
On a £20K salary in North West, 0 out of 2 cities keep rent under 30% of income. Liverpool offers the best value — cost index 88, rent £750/mo.
Liverpool ranks #1 with a cost index of 88 and rent of £750/month.
Average cost index across these cities: 93 (-6 vs national average of 99).
Average quality of life: 58/100. Top: Liverpool at 58/100.
Safest city: Liverpool (52/100 safety score).
0 out of 2 cities keep rent under 30% of a £20K gross income.
Here's what the headline numbers don't tell you: Liverpool stands out as the top-ranked city in this analysis. With a cost index of 88 and median income of £29,000, it offers below-average costs relative to the rest of United Kingdom. This combination is rare — and valuable.
On quality of life, Liverpool leads with a composite score of 58/100 — reflecting its safety (52), healthcare (70), and walkability (72) metrics. Layer in taxes, though, and the math changes. affordability and QoL don't always move in the same direction, and United Kingdom is a good example of that tension.
| # | City | Cost Index | Rent/mo | Income |
|---|---|---|---|---|
| 1 | Liverpool | 88 | £750 | £29,000 |
| 2 | Manchester | 98 | £950 | £32,000 |
Liverpool — cost index 88, rent £750/mo, income £29,000, QoL 58/100.
Manchester — cost index 98, rent £950/mo, income £32,000, QoL 58/100.
Liverpool ranks #1 in North West for this analysis with a cost index of 88 and median income of £29,000.
In Liverpool, rent would be about 45% of your gross monthly income on £20K. Consider cost-cutting measures or a roommate.
The region average QoL score is 61/100. Liverpool leads with 58/100, reflecting its safety, healthcare access, walkability, and green space.
Our index is benchmarked to 100 (national median). Sub-categories cover housing, food, transport, utilities, and healthcare. Data sources include ONS, Land Registry, HMRC.
Liverpool (ranked #1) has a cost index of 88 and rent of £750/mo. Manchester (#2) has index 98 and rent £950/mo — a 10-point gap.
This analysis uses data from ONS, Land Registry, HMRC to rank cities in United Kingdom. The cost of living index is benchmarked to 100 (national median). Quality of life scores combine safety, healthcare, walkability, air quality, green space, and transit metrics. Salary ranges use national occupation data adjusted for local cost differences. Data is updated regularly to reflect current market conditions.