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Crunching costs, sorting signals, rendering insights.
Crunching costs, sorting signals, rendering insights.
Cost of living in Liverpool, United Kingdom (2026): cost index 92 (-11 vs national avg), rent £830/mo, median income £30,500/yr. Rent takes 33% of gross income. Full breakdown vs North West peers below.
Cost of living in Liverpool, United Kingdom (2026): cost index 92 (-11 vs national avg), rent £830/mo, median income £30,500/yr. Rent takes 33% of gross income. Full breakdown vs North West peers below.
| # | City | Cost Index | Rent/mo | Income |
|---|---|---|---|---|
| 1 | Liverpool | 92 | £830 | £30,500 |
| 2 | Sunderland | 83 | £660 | £28,400 |
| 3 | Swansea | 87 | £720 | £29,500 |
| 4 | Newcastle upon Tyne | 89 | £800 | £30,500 |
| 5 | Belfast | 89 | £780 | £30,500 |
| 6 | Sheffield | 91 | £830 | £30,000 |
| 7 | Leicester | 93 | £860 | £30,000 |
| 8 | Coventry | 94 | £880 | £30,500 |
| 9 | Nottingham | 94 | £880 | £31,000 |
| 10 | Glasgow | 95 | £960 | £32,600 |
| 11 | Leeds | 96 | £950 | £31,600 |
| 12 | Cardiff | 96 | £940 | £32,600 |
| 13 | Plymouth | 97 | £870 | £31,000 |
| 14 | Birmingham | 97 | £950 | £32,200 |
| 15 | Aberdeen | 98 | £810 | £35,800 |
| 16 | Norwich | 99 | £920 | £32,000 |
| 17 | Manchester | 103 | £1,080 | £33,800 |
| 18 | Exeter | 106 | £1,020 | £32,600 |
| 19 | York | 107 | £1,080 | £34,700 |
| 20 | Edinburgh | 110 | £1,220 | £37,000 |
Liverpool: cost index 92 (-11 vs national avg 103), rent £830/month.
North West region average cost index: 103. Liverpool is -11 vs region peers.
Quality of life: 57/100 — safety 52, healthcare 70, walkability 72.
Safety score: 52/100 (crime rate 98.7/1k). National average: 61/100.
Most comparisons stop at rent. We didn't. Liverpool has a cost index of 92 — 11 points below the United Kingdom national average of 103. Median income is £30,500 with rent at £830/month, putting the rent-to-income ratio at 33%. This combination is rare — and valuable.
And there's one more thing: looking at North West as a whole, the spread across all 27 cities is 50 points on the cost index. London sits at the other end with index 142 and rent of £2,000/mo. This combination is rare — and valuable.
On quality of life, Liverpool scores a composite score of 57/100 — reflecting its safety (52), healthcare (70), and walkability (72) metrics. And here's the trade-off: affordability and QoL don't always move in the same direction, and United Kingdom is a good example of that tension.
Liverpool — cost index 92, rent £830/mo, income £30,500, QoL 57/100.
Sunderland — cost index 83, rent £660/mo, income £28,400, QoL 59/100.
Swansea — cost index 87, rent £720/mo, income £29,500, QoL 66/100.
Newcastle upon Tyne — cost index 89, rent £800/mo, income £30,500, QoL 63/100.
Belfast — cost index 89, rent £780/mo, income £30,500, QoL 62/100.
Liverpool has a cost index of 92 (national avg: 103). Median rent is £830/month, median income £30,500/year, giving a rent-to-income ratio of 33%.
The North West region of average QoL score is 60/100. Liverpool leads with 57/100, reflecting 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: cost index 92, rent £830/mo, income £30,500/yr, QoL 57/100. Sunderland: cost index 83, rent £660/mo, income £28,400/yr, QoL 59/100.
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.