Key indicators for buyers
The L3 market looks favourable for buyers. Prices have softened (-75.2%), which could present a buying opportunity. Affordability has improved from a peak of 5.2x in 2007 to 4.7x today. Rising rents (£888/mo, +6.6%) mean the cost of waiting is real.
Yearly averages · HM Land Registry Price Paid Data
2026averages · HM Land Registry Price Paid Data
House price ÷ median earnings · ONS data
Affordability data shown for wider Liverpool area
A home in Liverpool costs 4.7x the local median salary — relatively affordable, improving from a peak of 5.2x in 2007.
Average monthly rent · ONS Private Rental Index
Rental data shown for wider Liverpool area
Average monthly rent in Liverpool is £888, up 6.6% year-on-year. Rents have risen consistently over the past five years.
2yr fixed · 75% LTV · 25yr term · BoE avg. rate
Based on the average Liverpool price of £129,700 with a 25% deposit (£32k), a 2-year fixed mortgage at 3.97% costs around £512 per month.
Monthly cost comparison based on current data
Uses L3 avg. price with Liverpool rental data
Monthly mortgage payments (£512) are £376 less than renting (£888). However, buying requires an upfront deposit of £32k — it would take around 4 years to recoup that cost compared to renting and investing the difference.
Latest transactions · HM Land Registry Price Paid Data
| Address | Type | Price | Date |
|---|---|---|---|
FLAT 59, 44, PALL MALL L3 6EL | Flat/Maisonette | £143,500 | 26 Jan 2026 |
APARTMENT 123, THE ALBANY, 8, OLD HALL STREET L3 9EL | Flat/Maisonette | £175,000 | 22 Jan 2026 |
57, BISPHAM HOUSE, LACE STREET L3 2BP | Flat/Maisonette | £35,000 | 16 Jan 2026 |
250, SOUTH FERRY QUAY L3 4EH | Flat/Maisonette | £185,000 | 9 Jan 2026 |
FLAT 16, 40, PALL MALL L3 6ES | Flat/Maisonette | £110,000 | 9 Jan 2026 |
293, SOUTH FERRY QUAY L3 4EE | Terraced | £425,000 | 19 Dec 2025 |
APARTMENT 601, 15, MANN ISLAND L3 1ER |
Data sources (all free & public): HM Land Registry Price Paid Data & UK House Price Index · ONS Housing Affordability Ratios · ONS Private Rental Index · Bank of England Quoted Household Interest Rates · HMRC Monthly Property Transactions
Contains HM Land Registry data © Crown copyright and database right 2021. This data is licensed under the Open Government Licence v3.0.
The average property in L3 sold for £129,700 in 2026, with a median of £143,500 across 5 transactions. Prices fell 75.2% compared to the previous year.
| Flat/Maisonette |
| £215,000 |
| 19 Dec 2025 |
FLAT 36, 44, PALL MALL L3 6EL | Flat/Maisonette | £118,000 | 12 Dec 2025 |
358, SOUTH FERRY QUAY L3 4EL | Flat/Maisonette | £260,000 | 12 Dec 2025 |
129, SOUTH FERRY QUAY L3 4EW | Flat/Maisonette | £248,000 | 10 Dec 2025 |
104, ST ANNE STREET L3 3EB | Detached | £515,000 | 10 Dec 2025 |
APARTMENT 8, THE REACH, 39, LEEDS STREET L3 2DA | Flat/Maisonette | £40,000 | 9 Dec 2025 |
APARTMENT 404, 160, RICHMOND ROW L3 3BL | Flat/Maisonette | £245,000 | 8 Dec 2025 |
APARTMENT 139, THE REACH, 39, LEEDS STREET L3 2DB | Flat/Maisonette | £56,000 | 5 Dec 2025 |
APARTMENT 149, THE REACH, 39, LEEDS STREET L3 2DB | Flat/Maisonette | £56,000 | 5 Dec 2025 |
FLAT 242, WATERLOO QUAY, WATERLOO ROAD L3 0BS | Flat/Maisonette | £170,000 | 5 Dec 2025 |
APARTMENT 72, THE REACH, 39, LEEDS STREET L3 2DA | Flat/Maisonette | £56,000 | 5 Dec 2025 |
APARTMENT 20.02, 8, BROOK STREET L3 9PH | Flat/Maisonette | £275,000 | 1 Dec 2025 |
18, ST ANDREW STREET L3 5XZ | Flat/Maisonette | £111,500 | 1 Dec 2025 |
APARTMENT 1, 1, WILLIAM JESSOP WAY L3 1DJ | Flat/Maisonette | £130,000 | 28 Nov 2025 |
The most recent recorded sale in L3 was a flat/maisonette property on Pall Mall for £143,500 in January 2026. Across the last 20 sales, the median price was £170,000.