Neilston, south-west of Glasgow, polled best in Scotland, Morriston in Wales and Craigavon in Northern Ireland.
Royal Mail said the study, conducted by the Centre for Economic and Business Research, looked at green spaces, affordable housing and commuting times.
Seven northern locations, including Dalton-in-Furness in Cumbria, were in the top 10 in England, the survey said.
Bebington residents, who live near the River Mersey and Port Sunlight model village, "enjoyed the ideal balance" of living close to their workplace, good schools and high employment, according to the report.
By Phil Cooper, BBC Radio Merseyside, in Bebington
Situated less than 10 miles from Liverpool, Bebington has been attracting people for well over a century with its laid-back charm. Villagers boast of a rural lifestyle combined with plenty of jobs and cultural highlights on their doorstep.
The nearby Port Sunlight village, built at the end of the 19th Century to house workers at the Lever soap factory, is now home to an art gallery and museum. Unilever still employs about 2,000 people in the area.
A future prime minister, Harold Wilson, studied here as a teenager and many of the schools retain their reputation for high academic achievement.
Throw in a fine choice of pubs and restaurants and good links to the historic city of Chester, and residents say the "Most Desirable" title is fully deserved - this is a place they never want to leave.
In Scotland, semi-rural areas on the outskirts of cities fared best "thanks to the affordable cost of living, lower levels of crime and better schools".
They were also judged to have better transport links than more remote locations.
Morriston, just to the north of Swansea, was praised for its "mix of low unemployment and reasonable house prices".
Meanwhile, Craigavon in County Armagh - a planned settlement built in the 1960s - was described as having "lower than average commuting times and fewer people working over 50 hours a week".

Officers found an explosive device, thought to be a "flashbang" grenade, when they were called to Elgin Street, Leith, at 12:50.
Police are treating the death of the 51-year-old woman as unexplained and have launched an investigation.
A spokesman said the device was made safe but a controlled explosion was not required.
He said: "Inquiries into the death are ongoing.
"The death is currently being treated as unexplained but the circumstances are not thought to be suspicious.
"A report will be submitted to the procurator fiscal."

The 48-year-old singer and actor Joshua Sasse, 28, announced their engagement earlier this year.
The couple subsequently vowed to postpone their nuptials until same-sex marriage becomes legal in Australia.
Dressed in "Say I Do Down Under" T-shirts at the Arias in Sydney, the pair urged the change to come next year.
"We're here to introduce a shining light in the Australian music industry," Minogue told the audience on Wednesday night.
"But we're also here to say thank you to everyone who has supported Josh's campaign for equality."
Sasse, who founded the "Say I Do Down Under" campaign, said: "This is more than a movement, this is people's lives and we want to say to every single member of the LGBT community that you are not alone.
"You have a voice and if we all stand together we can bring Australia back on the right side of history and make 2017 the year that we can all say 'I do' down under."
Australian pop star Sia also used the awards night to address the issue, sending a same-sex marriage campaigner to collect her award for best female artist.
The Australian government's plan to settle the same-sex marriage debate through a public vote early next year was blocked by the Senate two weeks ago.
Critics said a nationwide campaign would be expensive, unnecessary and unleash a torrent of homophobic rhetoric.
Sasse's "Say I Do Down Under" campaign, along with other lobby groups, is now pushing for parliament to change the law.
His campaign has attracted celebrity supporters including Chris Martin, Ellie Goulding and Sir Ian McKellen.
Bebington in Merseyside is the most desirable place to live in England, according to a Royal Mail survey.
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A bomb disposal team was called out after a woman was found dead at a house in Edinburgh.
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Kylie Minogue and her British fiancÃ© have called on Australia to legalise same-sex marriage in an appearance at the nation's top music awards.