Key indicators for buyers
The CH45 market is moderately favourable for buyers. Prices have softened (-15.5%), 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 £198,513 with a 25% deposit (£50k), a 2-year fixed mortgage at 3.97% costs around £783 per month.
Monthly cost comparison based on current data
Uses CH45 avg. price with Wirral rental data
Monthly mortgage payments (£783) are £44 less than renting (£827). However, buying requires an upfront deposit of £50k — it would take around 8 years to recoup that cost compared to renting and investing the difference.
Latest transactions · HM Land Registry Price Paid Data
| Address | Type | Price | Date |
|---|---|---|---|
54, SILVERLEA AVENUE CH45 4QX | Terraced | £125,000 | 23 Jan 2026 |
23, THIRLMERE DRIVE CH45 4LN | Semi-detached | £205,000 | 21 Jan 2026 |
44, GROSVENOR ROAD CH45 1JZ | Terraced | £226,150 | 16 Jan 2026 |
19, CRESSINGHAM ROAD CH45 2NS | Semi-detached | £161,000 | 15 Jan 2026 |
20, BROOKTHORPE CLOSE CH45 7SH | Semi-detached | £187,000 | 15 Jan 2026 |
FLAT 1, 37, CORONATION AVENUE CH45 5EL | Flat/Maisonette | £120,000 | 12 Jan 2026 |
31, CORONATION AVENUE CH45 5EL | Flat/Maisonette |
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 CH45 sold for £198,513 in 2026, with a median of £174,000 across 12 transactions. Prices fell 15.5% compared to the previous year.
| £105,000 |
| 9 Jan 2026 |
5, THE COPPICE CH45 5JW | Semi-detached | £410,000 | 9 Jan 2026 |
7, ROCKPOINT AVENUE, NEW BRIGHTON CH45 1NB | Terraced | £310,000 | 7 Jan 2026 |
FLAT 19, MARINE PARK MANSIONS, WELLINGTON ROAD CH45 2NP | Flat/Maisonette | £135,000 | 7 Jan 2026 |
240A, WALLASEY VILLAGE CH45 3LP | Flat/Maisonette | £84,000 | 5 Jan 2026 |
119, MANOR ROAD CH45 7LU | Semi-detached | £314,000 | 5 Jan 2026 |
12, DUKE STREET CH45 1JU | Terraced | £180,000 | 19 Dec 2025 |
FLAT 10, PORTLAND COURT, WELLINGTON ROAD CH45 2NQ | Flat/Maisonette | £111,500 | 19 Dec 2025 |
47, MALPAS ROAD CH45 4QH | Semi-detached | £225,000 | 19 Dec 2025 |
18, BERKELEY DRIVE CH45 1HN | Semi-detached | £340,000 | 18 Dec 2025 |
96, ROWSON STREET CH45 2LX | Terraced | £240,000 | 18 Dec 2025 |
61, THE CLIFF, WELLINGTON ROAD, NEW BRIGHTON CH45 2NN | Flat/Maisonette | £170,000 | 18 Dec 2025 |
48, PENKETT ROAD CH45 7QN | Other | £700,000 | 18 Dec 2025 |
4, BELVIDERE ROAD CH45 4RY | Terraced | £240,000 | 17 Dec 2025 |
The most recent recorded sale in CH45 was a terraced property on Silverlea Avenue for £125,000 in January 2026. Across the last 20 sales, the median price was £205,000.