London (Average) vs Cheltenham - £5,442/yr better off

From

London (Average)London

CheltenhamSouth West

You'd be £5,442/year better off in Cheltenham

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

Over 5 years, that's £30,652 in your pocket

Moving costs (£3,000-£5,000) paid back in 7-12 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

Cheltenham

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 Cheltenham

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

Cheltenham

Rent: £1,050Council Tax: £167Commute: £115Groceries: £303Energy: £120Lifestyle: £100Disposable: £549

London (Average) disposable

£125/mo

Cheltenham disposable

£549/mo

London (Average)

Tight

TightManageableComfortable

£125/mo disposable

Cheltenham

Manageable

TightManageableComfortable

£549/mo disposable

Living Costs

Salary (Area Median)

London (Average)

£44,000

Cheltenham

£34,000

£10,000/yr worse off

Rent (2-bed)

London (Average)

£2,000/mo

Cheltenham

£1,050/mo

£11,400/yr better off

Council Tax (Band D)

London (Average)

£1,640

Cheltenham

£2,000

£360/yr worse off

Commute

London (Average)

£180/mo

Cheltenham

£115/mo

£780/yr better off

Weekly Groceries

London (Average)

£75/wk

Cheltenham

£70/wk

£260/yr better off

Energy Bills

London (Average)

£135/mo

Cheltenham

£120/mo

£180/yr better off

Lifestyle (Pints, Cinema, Gym)

London (Average)

£132/mo

Cheltenham

£100/mo

£382/yr better off

Property

If You're Buying

London (Average)

£530,000

Average house price

Cheltenham

£350,000

Average house price

You could save £180,000 on a home in Cheltenham. That's real money.

Price-to-income ratio

12.0x

London (Average) (median)

Price-to-income ratio

10.3x

Cheltenham (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

Cheltenham

Good

Outstanding: 27%Good: 63%90% good+

128 schools in area

Cheltenham has better-rated schools overall (90% good or outstanding vs 87% in London (Average)). Always check individual schools for your specific area.

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Your Move Summary

London (Average)→Cheltenham

£5,442/yr better off

Where you save

Rent+£11,400/yr
Commute+£780/yr
Lifestyle+£382/yr

Where you pay more

Take-home pay-£7,200/yr
Council Tax-£360/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.