London (Average) vs Bedford - £5,854/yr better off

From

London (Average)London

BedfordEast of England

You'd be £5,854/year better off in Bedford

Based on area median salaries. Personalise it to see YOUR numbers.

Over 5 years, that's £32,975 in your pocket

Moving costs (£3,000-£5,000) paid back in 7-11 months

Your Take-Home Pay

Based on area median salaries. Personalise above to see your own numbers.

London (Average)

Gross salary£44,000

Income tax-£6,286

National Insurance-£2,514

Take-home£35,200

Effective tax rate: 20%£2,933/mo

Bedford

Gross salary£34,000

Income tax-£4,286

National Insurance-£1,714

Take-home£28,000

Effective tax rate: 17.6%£2,333/mo

You'd take home £7,200 less per year in Bedford

Where Your Money Goes

How your monthly take-home splits between costs and what you keep.

London (Average)

Rent: £2,000Council Tax: £137Commute: £180Groceries: £325Energy: £135Lifestyle: £132Disposable: £125

Bedford

Rent: £1,000Council Tax: £163Commute: £155Groceries: £290Energy: £122Lifestyle: £91Disposable: £574

London (Average) disposable

£125/mo

Bedford disposable

£574/mo

London (Average)

Tight

TightManageableComfortable

£125/mo disposable

Bedford

Manageable

TightManageableComfortable

£574/mo disposable

Living Costs

Salary (Area Median)

London (Average)

£44,000

Bedford

£34,000

£10,000/yr worse off

Rent (2-bed)

London (Average)

£2,000/mo

Bedford

£1,000/mo

£12,000/yr better off

Council Tax (Band D)

London (Average)

£1,640

Bedford

£1,950

£310/yr worse off

Commute

London (Average)

£180/mo

Bedford

£155/mo

£300/yr better off

Weekly Groceries

London (Average)

£75/wk

Bedford

£67/wk

£416/yr better off

Energy Bills

London (Average)

£135/mo

Bedford

£122/mo

£156/yr better off

Lifestyle (Pints, Cinema, Gym)

London (Average)

£132/mo

Bedford

£91/mo

£492/yr better off

Property

If You're Buying

London (Average)

£530,000

Average house price

Bedford

£310,000

Average house price

You could save £220,000 on a home in Bedford. That's real money.

Price-to-income ratio

12.0x

London (Average) (median)

Price-to-income ratio

9.1x

Bedford (median)

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Lifestyle

Percentage of schools rated Outstanding or Good by Ofsted (England), Education Scotland, Estyn (Wales), or ETI (Northern Ireland).

London (Average)

Good

Outstanding: 25%Good: 62%87% good+

3208 schools in area

Bedford

Good

Outstanding: 18%Good: 68%86% good+

147 schools in area

London (Average) has better-rated schools overall (87% good or outstanding vs 86% in Bedford). Always check individual schools for your specific area.

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Your Move Summary

London (Average)→Bedford

£5,854/yr better off

Where you save

Rent+£12,000/yr
Lifestyle+£492/yr
Groceries+£416/yr

Where you pay more

Take-home pay-£7,200/yr
Council Tax-£310/yr

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Government data, not guesswork

Data sourced from ONS, HMRC, and local authorities. Salaries are area medians - personalise above for your own numbers. Comparison based on 2-bed rental, Band D council tax, and typical usage. Always do your own sums before making big decisions. But at least now you know where to start.