The median gross salary in Liverpool is approximately £31,500 per year — 10% below the UK national median of £34,963. Here is what that means for take-home pay, cost of living, and how Liverpool compares with other UK cities.
Average Salary in Liverpool — Key Figures (2026)
| Measure | Liverpool | UK National |
|---|---|---|
| Median full-time salary | £31,500 | £34,963 |
| Take-home at median (annual) | £26,200 | £28,693 |
| Take-home at median (monthly) | £2,183 | £2,391 |
| Typical one-bed rent | £800–£1,200/month | — |
| Disposable income after rent (est.) | £1,383–£983/month | — |
Disposable income is illustrative and based on median take-home minus estimated rent only. Other living costs not included.
Liverpool Context
Liverpool has seen significant economic growth and regeneration over the past two decades. While median wages remain below the national average, the city has a growing financial services sector concentrated in the city centre, and the life sciences cluster at Liverpool Knowledge Quarter is expanding. Housing costs are substantially lower than London — a major factor in real purchasing power.
Highest Paying Sectors in Liverpool
- Financial and professional services
- Maritime and logistics
- Life sciences and healthcare
- Creative and digital
- Retail and tourism
Major Employers in Liverpool
- NHS Merseyside
- Liverpool City Council
- Alder Hey Children’s Hospital
- Liverpool John Moores University
- Bruntwood SciTech
Take-Home Pay at Liverpool’s Median Salary (£31,500)
| Component | Annual | Monthly |
|---|---|---|
| Gross salary | £31,500 | £2,625 |
| Income tax | −£3,786 | −£316 |
| National Insurance | −£1,514 | −£126 |
| Take home pay | £26,200 | £2,183 |
Liverpool vs UK National Salary Comparison
| Measure | Liverpool | UK Median |
|---|---|---|
| Median gross salary | £31,500 | £34,963 |
| Difference vs national median | £3463 below | — |
| Take-home at median | £26,200 | £28,693 |
Liverpool Cost of Living vs Salary
Salary comparison alone does not capture real purchasing power. Housing costs are the dominant variable.
| Cost | Liverpool | London |
|---|---|---|
| One-bed flat (monthly rent) | £800–£1,200 | £1,800–£2,800 |
| Food and groceries (monthly) | £200–£300 | £250–£400 |
| Transport (monthly pass) | £80–£130 | £170 (Zones 1–2) |
For someone earning £31,500 in Liverpool, the rent-to-income ratio on a one-bedroom flat is approximately 37–55% of take-home pay — a significant share of take-home income.
Salary Growth Opportunities in Liverpool
Liverpool offers career progression particularly in:
- Financial and professional services: growing sector with demand for senior professional and management roles
- Maritime and logistics: growing sector with demand for senior professional and management roles
- Life sciences and healthcare: growing sector with demand for senior professional and management roles