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
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
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.
| City | Median Salary | Avg. 1-bed Rent/mo | Avg. Commute/mo | Cost Index |
|---|---|---|---|---|
| London | £49,692 | £2,100 | £184 | 100 (base) |
| Edinburgh | £40,000 | £1,200 | £90 | 72 |
| Bristol | £39,000 | £1,400 | £85 | 76 |
| Oxford / Cambridge | £42,000 | £1,500 | £80 | 79 |
| Manchester | £38,000 | £800 | £60 | 58 |
| Birmingham | £36,700 | £750 | £70 | 56 |
| Leeds | £37,000 | £700 | £55 | 54 |
| Sheffield | £34,000 | £650 | £50 | 51 |
| Liverpool | £34,000 | £650 | £55 | 51 |
| Cardiff | £35,000 | £750 | £60 | 54 |
| Newcastle | £33,000 | £650 | £55 | 51 |
| Belfast | £32,100 | £700 | £50 | 52 |
💡 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
Not always. London salaries are typically 20-40% higher than other UK cities, but rent alone can cost £800-£1,200 more per month than Manchester or Leeds. After housing, transport and tax, a £45,000 London salary can leave you with less disposable income than a £35,000 salary in Bristol or Leeds.
For each city, the calculator uses average monthly rent data from the ONS Private Rental Market Survey and Numbeo UK city data for 2025, average monthly commute costs from Transport Focus research, and a city-level cost of living index. You can override any estimate by entering your own actual figures.
Yes. When you select Edinburgh, Glasgow or Aberdeen, the calculator automatically applies Scottish Income Tax rates for 2025/26. These include a 21% intermediate rate on income between £25,688 and £43,662, and a 42% higher rate above that - slightly higher than the equivalent England and Wales rates. National Insurance is the same across all UK nations.
Leeds, Manchester and Sheffield consistently deliver the best purchasing power outside London. Their salaries are only 15-25% lower than London average, while housing costs are 55-70% cheaper. Leeds has average 1-bed rents around £700/month versus £2,100 in London, making it one of the strongest value locations for professionals. You can also check our cost of living by city calculator for a full breakdown.
It depends on the salary gap and your lifestyle. For salaries above £60,000-£70,000, London becomes more financially attractive because you absorb the fixed housing cost more comfortably. Below £50,000, the numbers often work against you. Career progression and networking opportunities are also factors, but the financial case alone rarely stacks up at entry to mid-level salaries.
London Weighting is a salary supplement paid by many employers to cover London's higher living costs. In the NHS and civil service, Inner London weighting is 20% of basic salary (minimum £5,609 for 2025/26), Outer London is 15% (minimum £4,714) and Fringe is 5% (minimum £1,303). Private sector supplements vary widely - some employers simply factor it into a higher base salary rather than labelling it separately. Use our London weighting calculator to check if your supplement is adequate.
Significantly, especially in London. A Zone 1-3 Travelcard costs around £184/month (£2,208/year) as of 2025. Annual rail season tickets to London from commuter towns can cost £3,000-£5,000. In contrast, a monthly bus pass in Leeds or Sheffield is around £55-£60. The commute cost difference between London and a northern city can be worth £1,500-£3,000 per year on its own. Use our commute cost calculator for a precise figure.
Yes. Select the same city for Location 1 and Location 2, but enter different salaries - for example your current salary and a proposed new salary. The calculator will show you the net difference in take-home pay after tax and deductions. For a more detailed salary increase breakdown, use our salary increase calculator.
Data Sources and Accuracy
This calculator uses 2025/26 official UK tax figures and verified regional data:
- Income Tax and NI: HMRC Income Tax rates and allowances 2025/26
- Scottish Income Tax: Scottish Government Income Tax 2025/26
- Regional Salaries: ONS Annual Survey of Hours and Earnings (ASHE) 2025
- Rental Costs: ONS Private Rental Market Statistics 2025
- Transport Costs: Transport Statistics Great Britain 2024 and TfL fare schedules 2025
- Cost of Living Index: Numbeo UK City Data 2025/26 and ONS regional CPI estimates
- Student Loan Thresholds: Student Loans Company thresholds 2025/26
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
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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.