What it's like to live in Liverpool

What is it like to live in Liverpool city centre? It is busy, loud and full of life: a big northern city in Merseyside where the civic buildings, universities and shopping streets all sit on top of each other. It suits people who like being in the thick of things. St John's Gardens is a green square on the doorstep, and Central Library is a genuinely lovely place to spend an afternoon.

1 council and housing association home is available to swap within 3 miles of Liverpool, 1 tenant wants to move here, and 14,520 households are on the Liverpool council waiting list (31 March 2025).

Live in Liverpool? List your home and they could be your match. "I'd move here" adds Liverpool to the areas on your listing, so homes here are matched to you first.

Liverpool
Liverpool Photo: Phillip S.

L3 is right in the middle of Liverpool, a city of around 513,000 people in the North West. This is the postcode of Lime Street, St John's Gardens and the Central Library, so you are living where everyone else comes to visit.

It suits people who want everything close and don't mind noise and crowds as the price. Shops, GP services, libraries, theatres and trains are all within a short walk. Green space exists but it comes in small pockets rather than big open parks.

This guide sticks to what is actually here, so you can judge whether a swap into L3 would work for you.

Swapping to Liverpool: key facts

Can I swap my council or housing association home to Liverpool?

Yes, if you are already a council or housing association tenant. Mutual exchange means swapping homes with another social tenant, so it does not depend on the council waiting list: you need a tenant in or near Liverpool who wants your area, and both landlords must agree. Landlords have 42 days to decide and can only refuse on set legal grounds. On 5 November 2026, 1 home was listed to swap within 3 miles and 1 tenant wanted to move to Liverpool on Mutual Home Exchange.

How long is the council housing waiting list in Liverpool?

14,520 households were on the Liverpool housing register on 31 March 2025, up 14% on a year earlier. 1,383 social homes were let through the council in 2024 to 2025, roughly 10.5 households for every home let. Source: Local Authority Housing Statistics, Ministry of Housing, Communities and Local Government.

How much is social rent in Liverpool?

Average weekly social rents in the Liverpool council area in 2025/26: 1 bed £0 council, £93 housing association; 2 bed £79 council, £104 housing association; 3 bed £88 council, £112 housing association. Affordable rent homes cost more, typically 60 to 80% of market rent. Source: Regulator of Social Housing.

How much social housing is there in Liverpool and who owns it?

26.4% of homes in the Liverpool council area are social housing (council 4.5%, housing association 21.9%), against 17.1% across England, according to the 2021 Census. The biggest social landlords there are Torus62 Limited (15,270 homes), The Riverside Group Limited (11,007 homes) and Onward Homes Limited (6,535 homes).

How Busy Is The Swap Market In Liverpool?

1home to swap within 3 miles
1tenant wants to move here
3searches for Liverpool on our site
14,520households on the Liverpool waiting list

Figures as of 5 November 2026, updated every night. The waiting list figure is from 2024 to 2025 government data.

Which homes are available to swap near Liverpool?

Homes are shown near their address, not on it. Contains OS data © Crown copyright and database right. Source: Office for National Statistics, Open Government Licence.

See homes across Merseyside

What is housing like in Liverpool and who lives there?

Liverpool has a strong social housing sector: 26.4% of homes in the council area are socially rented, well above the England figure of 17.1%. Most of that is housing association rather than council, with big landlords including Torus62, The Riverside Group, Onward Homes, Cobalt Housing and Plus Dane Housing.

Average weekly social rents in the council area for 2024/25 were around £90 for one bed, £101 for two beds and £109 for three beds. Check the exact rent and service charges on any property before agreeing a swap, as city centre blocks can carry extra charges.

The area skews young: 15.7% of the council area is aged 16 to 24 against 10.6% nationally, reflecting the universities. Under-16s and over-65s are both below the England average.

513,441people in Liverpool itself (2016)
486,088people in the Liverpool council area

Who owns the homes

Social housingcouncil 4.5% · housing association 21.9%26.4% Liverpool17.1% England
Owner occupied46.8% Liverpool61.3% England
Private rented26.1% Liverpool20.5% England

Share of homes in the Liverpool council area, Census 2021.

Ages

Under 1617.5% Liverpool18.6% England
16 to 2415.7% Liverpool10.6% England
25 to 4428% Liverpool26.6% England
45 to 6423.4% Liverpool25.8% England
65 and over15.3% Liverpool18.4% England

Share of people in each age group, Census 2021.

Council waiting list and lettings

14,520households on the Liverpool housing register31 March 2025 · up 14% on a year earlier
1,383social homes let through the council in 2024 to 2025housing association nominations 1,383
1 bed7,069
2 bed4,644
3 bed2,216
4+ bed591

Households on the register by the size of home they need.

That is roughly 10.5 households waiting for every social home let in a year. Mutual exchange doesn't use the waiting list: if you already have a council or housing association home, swapping with another tenant can be a quicker way to move to Liverpool.

A register counts households who have applied, so it isn't a simple queue: some are already social tenants hoping to transfer, and people can be on more than one council's list.

Typical weekly social rents in the Liverpool council area

Bedsit£0 Council£85 Housing association
1 bed£0 Council£93 Housing association
2 bed£79 Council£104 Housing association
3 bed£88 Council£112 Housing association
4 bed£0 Council£122 Housing association

Social rent averages for 2025/26. Affordable rent homes cost more, typically 60 to 80% of market rent.

Biggest social landlords in the council area

Compare these landlords against every other on tenant satisfaction, repairs and complaints.

What is it like to live in Liverpool?

Day to day, you are never short of a shop. Marmaris Supermarket, M&S Simply Food, two Tesco Expresses and an ALDI are all within a quarter of a mile, so a big shop or a pint of milk are equally easy. Pharmacies including Kays, Boots and Superdrug are close by, and there are health services such as Central Liverpool PCN Hub and Brownlow Health at Marybone nearby.

The trade-off is honest: city centre living means weekend noise, limited parking and small private outdoor space. Some people love it and never look back. Others find it wearing after a few years. Visit on a Saturday night before you decide.

What are the schools and family life like in Liverpool?

Families do live in L3, though the city centre is more geared to younger adults. For primary, Holy Cross Catholic Primary is about 0.3 miles away, with Pleasant Street Primary, St Francis Xavier infant school and Faith Primary School all within 0.6 miles.

For older children, The LIPA High School is under a mile, along with Liverpool Life Sciences UTC, The Studio School, Notre Dame Catholic Academy and Harmonize Academy, all within a mile and a half. Always check current admission rules and catchments with the school directly before you commit to a move.

Green space is close but compact: St John's Gardens, Roscoe Gardens, Angel Field and The Quadrangle are all short walks. Community centres including the Bronte Youth and Community Centre, Marybone Community Hub and the Kurdish Community Centre give families places to meet.

Primary schools

  • Holy Cross Catholic Primary School0.3 mi
  • St Nicholas Catholic Academy0.4 mi
  • Pleasant Street Primary School0.4 mi
  • Millstead School0.6 mi
  • St Vincent de Paul Catholic Primary School0.7 mi

Secondary schools

  • The Studio School1 mi
  • Liverpool Life Sciences UTC1 mi
  • Christian Fellowship School1.1 mi
  • Notre Dame Catholic Academy1.1 mi
  • North Liverpool Academy1.1 mi

Parks

  • St John's Gardensnearby
  • Ukrainian Meadownearby
  • St Patrick's Cross Memorial Garden0.3 mi
  • Roscoe Gardens0.4 mi
  • Mazenod Court Serenity Garden0.4 mi

Libraries

  • Liverpool Central Librarynearby
  • Avril Robarts Library - LJMU0.4 mi
  • Aldham Robarts Library0.5 mi
  • Harold Cohen Library0.6 mi
  • Sydney Jones Library0.8 mi

What shops and everyday essentials are in Liverpool?

Supermarkets

  • M&S Simply Foodnearby
  • Seoul Plazanearby
  • Lidlnearby
  • Aldinearby
  • Blue Whale Supermarket0.4 mi

Pharmacies

  • Bootsnearby
  • Superdrug0.3 mi
  • Cohens Chemist0.6 mi
  • Euro Pharmacy0.6 mi
  • Chemist Cares0.9 mi

Hospitals

  • Royal Liverpool University Hospital0.6 mi
  • Paddington Community Diagnostic Centre0.8 mi
  • Windsor House1 mi
  • Liverpool Women's Hospital1.1 mi
  • Breckfield and North Everton1.2 mi

Shopping centres

  • St John's Shopping Centrenearby
  • Metquarter0.3 mi
  • Clayton Square Shopping Centre0.3 mi
  • Cavern Walks0.4 mi
  • Liverpool One0.5 mi

How do you get around Liverpool?

You can live here without a car and most people in L3 do. Liverpool Lime Street is about a tenth of a mile away for mainline trains, with Liverpool Central, Moorfields and James Street all within walking distance for the local network. Edge Hill is about a mile and a half out.

Buses are everywhere. Stops at Great Charlotte Street, Brownlow Hill, Upper Newington, Cockspur Street and outside the Royal Liverpool University Hospital cover a wide spread of routes across the city.

On foot, this is about as walkable as England gets: shops, library, GP and station all inside half a mile. Driving is a different story. Traffic is heavy, streets are one-way in places and parking is scarce and often paid for, so check what comes with any home you're offered.

Train stations

  • Liverpool Lime Streetnearby
  • Moorfields0.4 mi
  • Liverpool Central0.4 mi
  • Liverpool James Street0.6 mi
  • Edge Hill1.4 mi

Bus stations

  • Queen Square Bus Stationnearby
  • Liverpool One0.6 mi

What is there to do in Liverpool?

This is the strongest thing about L3. Cinema and theatre are on the doorstep: the Royal Court Theatre, Everyman Liverpool, ODEON at Liverpool ONE and Picturehouse at FACT are all within half a mile.

For shopping, St Johns Shopping Centre, Williamson Square and Clayton Square are a few minutes' walk, plus the shops around Lime Street. Libraries are unusually good here, with Central Library, the Liverpool Record Office, the International Library and the Athenaeum all nearby.

Nightlife is on your doorstep too: the O2 Academy, Boom Battle Bar, Ruby Blues and plenty of pubs like Ma Egerton's Stage Door, The North Western and Doctor Duncan's. Gyms include XF Liverpool, RYDE Studios and Slim Gyms. Great if you use it, less great if you want quiet.

Gyms

  • PureGym0.3 mi
  • The Gym0.3 mi
  • HEAL Studios0.3 mi
  • Power & Fitness0.3 mi
  • Momentum Leisure0.4 mi

Cinemas

  • Everyman0.4 mi
  • Picturehouse at FACT0.5 mi
  • Odeon0.5 mi

Pubs and bars

  • Sketchnearby
  • The North Westernnearby
  • Castawaynearby
  • Ma Egertonsnearby
  • Doctor Duncan'snearby

Nightlife

  • Club 0510.3 mi
  • Superstar Boudoir0.4 mi
  • K1 Metal Club0.4 mi
  • Cavern Club0.4 mi
  • Lennon's Bar0.4 mi

Community centres

  • Bronte Youth & Community Centre0.3 mi
  • Marybone Youth & Community Association0.3 mi
  • Kensington Fields Community Centre0.7 mi
  • Local Solutions0.8 mi
  • Eldonian Village Hall0.8 mi

What is work and the local economy like in Liverpool?

Across the Liverpool council area, 51.1% of adults are in work, below the England figure of 57.4%, and unemployment sits at 4.8% against 3.5% nationally. Benefit claimants related to unemployment were 5.5% of working-age people in August 2026, compared with 4% in England.

That said, being in L3 puts you at the centre of the city's jobs: retail and hospitality in the shopping centres and bars, universities and hospitals close by. The Royal Liverpool University Hospital and John Moores University campus buildings are both within walking distance.

If you work elsewhere in the North West, Lime Street gives you a direct mainline connection, which makes commuting out realistic without a car.

Adults in work51.1% Liverpool57.4% England
Unemployed4.8% Liverpool3.5% England
Claiming unemployment benefitsAugust 20265.5% Liverpool4% England

Figures are for the Liverpool council area, Census 2021 and ONS claimant count.

How safe is Liverpool?

Like every town centre, Liverpool has police incidents logged each month. In August 2026 there were 1,888 within about a mile of the centre, made up of:

Anti-social behaviour reports159
Vehicle crime23
Bicycle theft15
Shoplifting210
Other theft126
Theft from the person22

Source: data.police.uk street-level crime. Counts cover a fixed one-mile radius around the centre, so busy high streets and stations always record far more than the residential streets around them, and most incidents are minor. Compare like with like: a similar-sized town centre, not a village.

Is Liverpool a good place for social housing tenants?

Right now: 1 home to swap within 3 miles of Liverpool, and 1 tenant wants to move here.

If L3 looks like your kind of place, the next step is simple. List your own home on Mutual Home Exchange, add clear photos and an honest description, and set Liverpool as one of your desired areas.

Good adverts get replies. Say what your home has, what it doesn't, the rent, the bedroom sizes and who your landlord is. Be open about anything a swapper would want to know before travelling.

Mutual exchange works both ways, so you need someone in Liverpool who wants what you have. Keep your listing current, check messages, and remember that both landlords must approve any swap. For context, the council's housing register held 14,520 households at 31 March 2025, which is why exchanges are worth pursuing.

Tell me when a home appears near Liverpool

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Live in Liverpool? Add a photo

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Nearby place guides

Thinking of moving a little further? Compare homes to swap, rents and local landlords in places near Liverpool.

All place guides in Merseyside → · All place guides in the North West → · All regions →

On X: Homes In And For Liverpool

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Sources

  • Place names and locations: Ordnance Survey OS Open Names, Open Government Licence v3.0. Contains OS data © Crown copyright and database right 2026.
  • Nearby schools, shops, transport and leisure: © OpenStreetMap contributors.
  • Crime: data.police.uk, street-level crime for August 2026, Open Government Licence.
  • Population of Liverpool itself: Wikidata, 2016 figure (CC0).
  • Rents and landlords' homes by council area: Regulator of Social Housing, Statistical Data Return 2025/26 (Open Government Licence).
  • Waiting list and lettings: Ministry of Housing, Communities and Local Government, Local Authority Housing Statistics 2024-25, for the Liverpool council area (Open Government Licence).
  • Population, age, work and housing: Office for National Statistics, Census 2021 and claimant count via Nomis, for the Liverpool council area.
  • Homes to swap: listings on Mutual Home Exchange within 3 miles of the centre of Liverpool.
  • Photos: submitted by tenants and credited on each image.
  • The written guide was drafted from the sources above and checked by the site owner; figures are quoted as published.

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