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London (Average)London
CarmarthenWales

You'd be £7,027/year better off in Carmarthen

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

Over 5 years, that's £39,584 in your pocket
Moving costs (£3,000-£5,000) paid back in 6-9 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

Carmarthen

Gross salary£27,000
Income tax-£2,886
National Insurance-£1,154
Take-home£22,960
Effective tax rate: 15%£1,913/mo

You'd take home £12,240 less per year in Carmarthen

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

Carmarthen

Rent: £625Council Tax: £143Commute: £75Groceries: £264Energy: £118Lifestyle: £77Disposable: £661

London (Average) disposable

£125/mo

Carmarthen disposable

£661/mo

London (Average)

Tight
TightManageableComfortable

£125/mo disposable

Carmarthen

Manageable
TightManageableComfortable

£661/mo disposable

Living Costs

Salary (Area Median)

London (Average)

£44,000

Carmarthen

£27,000

£17,000/yr worse off

Rent (2-bed)

London (Average)

£2,000/mo

Carmarthen

£625/mo

£16,500/yr better off

Council Tax (Band D)

London (Average)

£1,640

Carmarthen

£1,720

£80/yr worse off

Commute

London (Average)

£180/mo

Carmarthen

£75/mo

£1,260/yr better off

Weekly Groceries

London (Average)

£75/wk

Carmarthen

£61/wk

£728/yr better off

Energy Bills

London (Average)

£135/mo

Carmarthen

£118/mo

£204/yr better off

Lifestyle (Pints, Cinema, Gym)

London (Average)

£132/mo

Carmarthen

£77/mo

£655/yr better off
Property

If You're Buying

London (Average)

£530,000

Average house price

Carmarthen

£195,000

Average house price

You could save £335,000 on a home in Carmarthen. That's real money.

Price-to-income ratio

12.0x

London (Average) (median)

Price-to-income ratio

7.2x

Carmarthen (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

Carmarthen

Good
Outstanding: 17%Good: 54%71% good+

33 schools in area

London (Average) has better-rated schools overall (87% good or outstanding vs 71% in Carmarthen). Always check individual schools for your specific area.

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Your Move Summary

London (Average)Carmarthen

£7,027/yr better off

Where you save

  • Rent+£16,500/yr
  • Commute+£1,260/yr
  • Groceries+£728/yr

Where you pay more

  • Take-home pay-£12,240/yr
  • Council Tax-£80/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.