Job Location Salary Comparison UK 2026

Compare your real take-home pay across up to three UK cities - after income tax, National Insurance, housing, commuting and cost of living. See which location actually puts more money in your pocket, not just which pays the highest gross salary. Also check our real salary vs cost of living calculator for a deeper breakdown.

Key UK Salary Facts 2026

£38,100
UK Median Salary
Full-time workers, ONS ASHE 2025
£49,692
London Median
30% above UK average, but costs are 50-80% higher
£32,400
North East Median
Lowest region - but housing costs are 65% cheaper than London
20+
Cities Covered
Including commuting, rent and local cost of living data

Who Should Use This Calculator?

Job Movers

Comparing offers in different UK cities? See which role genuinely pays more once local costs are stripped out. Use alongside our job offer comparison tool.

Relocation Planners

Considering a move from London to the regions, or vice versa? This calculator shows the real financial gain or loss after housing and living costs adjust.

Remote Workers

Earning a city salary but free to live anywhere? See how much more disposable income you could gain by moving to a lower-cost city. Pair with our remote work savings calculator.

Graduates and Career Starters

Deciding where to start your career? Compare graduate salaries across cities and find out which location offers the best financial start - not just the biggest headline number.

Compare Salaries Across UK Locations

Enter up to three locations and the salary offered (or your current salary) for each. Leave Location 3 blank to compare just two.

Required
The city or region where the job is based
Your gross annual salary before tax for this location
Monthly rent or mortgage. Leave blank to use city average.
Monthly public transport or fuel costs. Leave blank to use city average.
Required
The second city or region to compare
Your gross annual salary before tax for this location
Monthly rent or mortgage. Leave blank to use city average.
Monthly public transport or fuel costs. Leave blank to use city average.
Optional
Add a third location for a three-way comparison
Leave blank if not comparing a third location
Monthly rent or mortgage. Leave blank to use city average.
Monthly public transport or fuel costs. Leave blank to use city average.
Income tax bands applied to all locations
Employee pension contribution - applied to all locations
Repayment applied across all location calculations
Used to estimate housing cost where not manually entered
Used to estimate monthly commuting costs
Requires at least Location 1 and Location 2 with a salary each

How the Job Location Salary Comparison Works

1. Enter Your Locations and Salaries

Select up to three UK cities and enter the gross salary for each. You can compare a current job against a new offer, or any two or three locations simultaneously.

2. Tax and Deductions Applied

Income tax (including Scottish rates where applicable), National Insurance, pension contributions and student loan repayments are all calculated using 2025/26 rates for each salary.

3. Local Costs Deducted

City-specific housing, commuting and cost of living data is applied. You can use our built-in estimates or enter your own actual figures for precision.

4. Real Value Revealed

Your monthly disposable income for each location is shown side by side. See which city actually leaves you better off - and by exactly how much per month and year.

Why Gross Salary Alone Does Not Tell the Full Story

A job offer with a higher gross salary does not automatically mean more money to spend. Once income tax, National Insurance, housing and transport costs are factored in, the financial reality can look very different. A £45,000 salary in London often yields less disposable income than a £34,000 salary in Leeds or Manchester - a fact that is rarely obvious from job adverts.

The ONS 2025 Annual Survey of Hours and Earnings confirms the London median full-time salary at £49,692, roughly 30% above the UK median of £38,100. But average monthly rent for a 1-bed London flat ranges from £1,800 to £2,500, compared to £650-£750 in Leeds and £700-£900 in Manchester. That rent gap alone is worth £13,800-£21,000 per year before any other cost difference is considered.

Scottish and Welsh Income Tax

If you live in Scotland, you pay Scottish Income Tax rates, which include a 19% starter rate, 20% basic rate, 21% intermediate rate, 42% higher rate and 47% top rate. This calculator applies Scottish rates automatically when Edinburgh, Glasgow or Aberdeen are selected. Welsh rates remain aligned with England and Northern Ireland for 2025/26. If you are weighing up a Scotland move, also check our take-home tax calculator to model your net pay precisely.

London Weighting and Regional Pay Supplements

Many public sector and some private sector employers pay a London Weighting supplement on top of base salary. Inner London NHS and civil service roles carry supplements of 20% of base salary (minimum £5,609 for 2025/26). If your London offer includes a weighting payment, add it to the gross salary figure you enter. You can also explore our London weighting calculator to check if your supplement is adequate.

The Remote Work Factor

If your employer allows remote working, your salary location decision changes entirely. Earning a London salary while living in a lower-cost city such as Leeds or Manchester can add £8,000-£15,000 to your annual disposable income, without any change to gross pay. Our remote work savings calculator can model this precisely for your situation.

Average salary and monthly housing and commute costs by UK city, 2025 estimates
City Median Salary Avg. 1-bed Rent/mo Avg. Commute/mo Cost Index
London£49,692£2,100£184100 (base)
Edinburgh£40,000£1,200£9072
Bristol£39,000£1,400£8576
Oxford / Cambridge£42,000£1,500£8079
Manchester£38,000£800£6058
Birmingham£36,700£750£7056
Leeds£37,000£700£5554
Sheffield£34,000£650£5051
Liverpool£34,000£650£5551
Cardiff£35,000£750£6054
Newcastle£33,000£650£5551
Belfast£32,100£700£5052

💡 Purchasing Power, Not Just Pay

The goal of this calculator is purchasing power - how much money you have left to save, spend or invest after all fixed costs. A £5,000 gross salary difference between two cities may translate to just £1,200 in actual disposable income difference, or in some cases the lower-salary city can be significantly better off. Always run the numbers before accepting or rejecting an offer based on gross salary alone. You can also benchmark your current salary with our UK salary benchmark tool.

Real Job Location Salary Comparison Examples

Scenario 1: London vs Leeds - Software Developer

Person: Priya, 29, Software Developer

Situation: Offered £62,000 in London or £46,000 in Leeds. Both are office-based roles, 5 days per week.

London take-home (est.): £3,750/mo

London rent + commute: -£2,350/mo

London disposable: £1,400/mo

Leeds take-home (est.): £2,920/mo

Leeds rent + commute: -£760/mo

Leeds disposable: £2,160/mo

Leeds leaves Priya with £760/mo more despite a £16,000 lower gross salary. A career switch at the right salary level can be worth modelling with our career switch calculator.

Scenario 2: Manchester vs Birmingham - Marketing Manager

Person: James, 34, Marketing Manager

Situation: Current role in Birmingham at £41,000. New Manchester offer at £44,000.

Manchester take-home (est.): £2,640/mo

Manchester rent + commute: -£870/mo

Manchester disposable: £1,770/mo

Birmingham take-home (est.): £2,480/mo

Birmingham rent + commute: -£830/mo

Birmingham disposable: £1,650/mo

Manchester yields £120/mo more after costs - worth moving for, but James should factor in relocation expenses. See our salary negotiation calculator to see if he can push for £46,000.

Scenario 3: London Remote vs London Office - Accountant

Person: Fatima, 31, Accountant

Situation: Earns £52,000 with a London firm. Negotiates full remote working, moves to Cardiff.

Same gross salary: £52,000

London living costs: -£2,400/mo

Cardiff living costs: -£1,050/mo

Monthly gain from move: +£1,350/mo

Annual disposable gain: +£16,200/yr

Moving to Cardiff on the same salary adds over £16,000 per year in disposable income - equivalent to a massive pay rise with zero tax. Use the remote work savings calculator to model your own scenario.

Frequently Asked Questions

Data Sources and Accuracy

This calculator uses 2025/26 official UK tax figures and verified regional data:

Calculation Method: Gross salary is reduced by pension, then income tax (including Scottish rates) and National Insurance are calculated. Monthly take-home is derived, then city-specific housing and commuting costs are deducted to produce estimated monthly disposable income. A city cost of living index adjustment is applied to the remaining amount to reflect general price differences.

Last Updated: February 2026

Disclaimer: This calculator provides estimates for informational and planning purposes only. Housing and commuting costs vary widely within cities - individual figures may differ significantly from averages. Scottish and Welsh tax rates reflect 2025/26 confirmed figures. This is not financial, tax or employment advice. For precise tax calculations, use our PAYE tax breakdown calculator or consult a qualified adviser.

Your Privacy and Data Protection

Your privacy matters. All calculations happen entirely in your browser. No salary figures, personal details or comparison results are sent to any server or stored anywhere.

How It Works: Your inputs are sent to our server only to perform the tax calculation, then immediately discarded. No data is logged, stored or linked to you in any way. We do not use cookies for calculator inputs.

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