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London (Average)London
BirminghamWest Midlands

You'd be £5,010/year better off in Birmingham

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

Over 5 years, that's £28,219 in your pocket
Moving costs (£3,000-£5,000) paid back in 8-12 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

Birmingham

Gross salary£32,000
Income tax-£3,886
National Insurance-£1,554
Take-home£26,560
Effective tax rate: 17%£2,213/mo

You'd take home £8,640 less per year in Birmingham

Where Your Money Goes

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

Birmingham

Rent: £1,000Council Tax: £165Commute: £110Groceries: £286Energy: £120Lifestyle: £90Disposable: £504

London (Average) disposable

£125/mo

Birmingham disposable

£504/mo

London (Average)

Tight
TightManageableComfortable

£125/mo disposable

Birmingham

Manageable
TightManageableComfortable

£504/mo disposable

Living Costs

Salary (Area Median)

London (Average)

£44,000

Birmingham

£32,000

£12,000/yr worse off

Rent (2-bed)

London (Average)

£2,000/mo

Birmingham

£1,000/mo

£12,000/yr better off

Council Tax (Band D)

London (Average)

£1,640

Birmingham

£1,980

£340/yr worse off

Commute

London (Average)

£180/mo

Birmingham

£110/mo

£840/yr better off

Weekly Groceries

London (Average)

£75/wk

Birmingham

£66/wk

£468/yr better off

Energy Bills

London (Average)

£135/mo

Birmingham

£120/mo

£180/yr better off

Lifestyle (Pints, Cinema, Gym)

London (Average)

£132/mo

Birmingham

£90/mo

£502/yr better off
Property

If You're Buying

London (Average)

£530,000

Average house price

Birmingham

£240,000

Average house price

You could save £290,000 on a home in Birmingham. That's real money.

Price-to-income ratio

12.0x

London (Average) (median)

Price-to-income ratio

7.5x

Birmingham (median)

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

Birmingham

Good
Outstanding: 17%Good: 61%78% good+

385 schools in area

London (Average) has better-rated schools overall (87% good or outstanding vs 78% in Birmingham). Always check individual schools for your specific area.

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Your Move Summary

London (Average)Birmingham

£5,010/yr better off

Where you save

  • Rent+£12,000/yr
  • Commute+£840/yr
  • Lifestyle+£502/yr

Where you pay more

  • Take-home pay-£8,640/yr
  • Council Tax-£340/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.