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London (Average)London
City of LondonLondon

You'd be £7,033/year worse off in City of London

Based on area medians. Honestly? London (Average) looks good.

Over 5 years, that's £39,614 out of pocket

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

City of London

Gross salary£52,000
Income tax-£8,232
National Insurance-£3,051
Take-home£40,717
Effective tax rate: 21.7%£3,393/mo

You'd take home £5,517 more per year in City of London

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

City of London

Rent: £3,100Council Tax: £96Commute: £100Groceries: £368Energy: £130Lifestyle: £160

London (Average) disposable

£125/mo

City of London disposable

-£434/mo

London (Average)

Tight
TightManageableComfortable

£125/mo disposable

City of London

Tight
TightManageableComfortable

-£434/mo disposable

Living Costs

Salary (Area Median)

London (Average)

£44,000

City of London

£52,000

£8,000/yr better off

Rent (2-bed)

London (Average)

£2,000/mo

City of London

£3,100/mo

£13,200/yr worse off

Council Tax (Band D)

London (Average)

£1,640

City of London

£1,156

£484/yr better off

Commute

London (Average)

£180/mo

City of London

£100/mo

£960/yr better off

Weekly Groceries

London (Average)

£75/wk

City of London

£85/wk

£520/yr worse off

Energy Bills

London (Average)

£135/mo

City of London

£130/mo

£60/yr better off

Lifestyle (Pints, Cinema, Gym)

London (Average)

£132/mo

City of London

£160/mo

£334/yr worse off
Property

If You're Buying

London (Average)

£530,000

Average house price

City of London

£820,000

Average house price

Housing is £290,000 more expensive in City of London. Factor that in.

Price-to-income ratio

12.0x

London (Average) (median)

Price-to-income ratio

15.8x

City of London (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

City of London

Excellent
Outstanding: 35%Good: 55%90% good+

5 schools in area

City of London 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)City of London

£7,033/yr worse off

Where you save

  • Take-home pay+£5,517/yr
  • Commute+£960/yr
  • Council Tax+£484/yr

Where you pay more

  • Rent-£13,200/yr
  • Groceries-£520/yr
  • Lifestyle-£334/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.