Key indicators for buyers
The CH44 market is moderately favourable for buyers. Prices have softened (-13.6%), which could present a buying opportunity. Affordability has improved from a peak of 7.3x in 2021 to 6.1x today. Rising rents (£827/mo, +6.3%) 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 Wirral area
A home in Wirral costs 6.1x the local median salary — moderate, improving from a peak of 7.3x in 2021.
Average monthly rent · ONS Private Rental Index
Rental data shown for wider Wirral area
Average monthly rent in Wirral is £827, up 6.3% 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 Wirral price of £130,375 with a 25% deposit (£33k), a 2-year fixed mortgage at 3.97% costs around £515 per month.
Monthly cost comparison based on current data
Uses CH44 avg. price with Wirral rental data
Monthly mortgage payments (£515) are £312 less than renting (£827). However, buying requires an upfront deposit of £33k — 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 |
|---|---|---|---|
21, LISCARD GROVE CH44 5RA | Terraced | £109,000 | 19 Jan 2026 |
49, CLIFF ROAD CH44 3AX | Semi-detached | £210,000 | 16 Jan 2026 |
11, PALATINE ROAD CH44 7EN | Terraced | £90,000 | 8 Jan 2026 |
24, BRENTWOOD STREET CH44 4BB | Semi-detached | £112,500 | 8 Jan 2026 |
5, JAMES STREET CH44 7AT | Terraced | £117,500 | 19 Dec 2025 |
9, NEVILLE ROAD CH44 2AR | Semi-detached | £234,530 | 19 Dec 2025 |
22, VICARAGE GROVE CH44 1DJ | Semi-detached | £165,000 |
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 CH44 sold for £130,375 in 2026, with a median of £110,750 across 4 transactions. Prices fell 13.6% compared to the previous year.
| 19 Dec 2025 |
58B, BIRKENHEAD ROAD CH44 7BY | Flat/Maisonette | £75,000 | 19 Dec 2025 |
8, RUDGRAVE SQUARE CH44 0EL | Terraced | £104,000 | 19 Dec 2025 |
16, LEA ROAD CH44 0DU | Terraced | £135,000 | 18 Dec 2025 |
10, HAWARDEN AVENUE CH44 0AW | Semi-detached | £254,000 | 17 Dec 2025 |
1, RICE HEY ROAD CH44 0DX | Terraced | £145,000 | 16 Dec 2025 |
11, TOBIN STREET CH44 8DF | Semi-detached | £159,000 | 16 Dec 2025 |
2, NEW STREET CH44 7BW | Terraced | £112,500 | 16 Dec 2025 |
FLAT 16, PINETREE COURT, WALLASEY VILLAGE CH44 2DH | Flat/Maisonette | £147,500 | 15 Dec 2025 |
2, CHURCHILL GROVE CH44 1EL | Terraced | £159,000 | 15 Dec 2025 |
4, HARCOURT AVENUE CH44 6LJ | Terraced | £120,000 | 15 Dec 2025 |
34, DAWLISH ROAD CH44 3DS | Semi-detached | £255,000 | 12 Dec 2025 |
1, ACLAND ROAD CH44 5RD | Terraced | £126,000 | 12 Dec 2025 |
20, NEWELL ROAD CH44 1AD | Semi-detached | £155,000 | 12 Dec 2025 |
The most recent recorded sale in CH44 was a terraced property on Liscard Grove for £109,000 in January 2026. Across the last 20 sales, the median price was £145,000.