Key indicators for buyers
The L40 market is moderately favourable for buyers. Prices have softened (-6.1%), which could present a buying opportunity. Affordability has improved from a peak of 8.0x in 2021 to 7.1x today. Rising rents (£789/mo, +9.9%) 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 West Lancashire area
A home in West Lancashire costs 7.1x the local median salary — moderate, improving from a peak of 8.0x in 2021.
Average monthly rent · ONS Private Rental Index
Rental data shown for wider West Lancashire area
Average monthly rent in West Lancashire is £789, up 9.9% 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 West Lancashire price of £299,333 with a 25% deposit (£75k), a 2-year fixed mortgage at 3.97% costs around £1,181 per month.
Monthly cost comparison based on current data
Uses L40 avg. price with West Lancashire rental data
Monthly mortgage payments (£1,181) are £392 more than renting (£789). However, buying requires an upfront deposit of £75k — it would take around 20 years to recoup that cost compared to renting and investing the difference.
Latest transactions · HM Land Registry Price Paid Data
| Address | Type | Price | Date |
|---|---|---|---|
2, WARPERS MOSS LANE, BURSCOUGH L40 4AG | Terraced | £185,000 | 27 Jan 2026 |
25, VICARAGE GARDENS, BURSCOUGH L40 7UU | Detached | £275,000 | 21 Jan 2026 |
62, LORDSGATE LANE, BURSCOUGH L40 7ST | Semi-detached | £240,000 | 16 Jan 2026 |
72, LORDSGATE LANE, BURSCOUGH L40 7ST | Semi-detached | £255,000 | 16 Jan 2026 |
84, HIGH GROVE PARK, BURSCOUGH L40 7AD | Detached | £356,000 | 12 Jan 2026 |
57, GORSEY LANE, MAWDESLEY L40 3TE | Detached | £485,000 | 5 Jan 2026 |
3, FLETCHERS DRIVE, BURSCOUGH L40 5UY |
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 L40 sold for £299,333 in 2026, with a median of £265,000 across 6 transactions. Prices fell 6.1% compared to the previous year.
| Semi-detached |
| £144,000 |
| 19 Dec 2025 |
2, VALE LANE, LATHOM L40 6JH | Semi-detached | £510,000 | 19 Dec 2025 |
ASH LEA, RING O BELLS LANE, LATHOM L40 5TE | Semi-detached | £175,000 | 19 Dec 2025 |
254, MOORFIELD LANE, SCARISBRICK L40 8JF | Detached | £825,000 | 18 Dec 2025 |
AVONDALE, HOSCAR MOSS ROAD, LATHOM L40 4BQ | Semi-detached | £225,000 | 15 Dec 2025 |
9A, SMITHY LANE, HOLMESWOOD L40 1UH | Semi-detached | £247,500 | 12 Dec 2025 |
20, ALEXANDER CLOSE, BURSCOUGH L40 5SR | Semi-detached | £250,000 | 12 Dec 2025 |
23, WOODMOSS LANE, SCARISBRICK L40 9RJ | Other | £230,000 | 11 Dec 2025 |
3, BESCAR CROFT GARDENS, SCARISBRICK L40 9AA | Detached | £470,000 | 11 Dec 2025 |
22, FOLLY VIEW GROVE, BURSCOUGH L40 7AG | Detached | £332,000 | 9 Dec 2025 |
47, JUNCTION LANE, BURSCOUGH L40 5SW | Semi-detached | £180,000 | 9 Dec 2025 |
6, HESKETH GREEN, RUFFORD L40 1UN | Terraced | £195,000 | 8 Dec 2025 |
STANLEIGH, VALE LANE, LATHOM L40 6JH | Semi-detached | £400,000 | 5 Dec 2025 |
4, HIGH GROVE PARK, BURSCOUGH L40 7AD | Detached | £349,950 | 2 Dec 2025 |
The most recent recorded sale in L40 was a terraced property on Warpers Moss Lane for £185,000 in January 2026. Across the last 20 sales, the median price was £255,000.