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London (Average)London
WestminsterLondon

You'd be £9,585/year worse off in Westminster

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

Over 5 years, that's £53,991 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

Westminster

Gross salary£50,000
Income tax-£7,486
National Insurance-£2,994
Take-home£39,520
Effective tax rate: 21%£3,293/mo

You'd take home £4,320 more per year in Westminster

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

Westminster

Rent: £3,200Council Tax: £80Commute: £100Groceries: £390Energy: £130Lifestyle: £167

London (Average) disposable

£125/mo

Westminster disposable

-£640/mo

London (Average)

Tight
TightManageableComfortable

£125/mo disposable

Westminster

Tight
TightManageableComfortable

-£640/mo disposable

Living Costs

Salary (Area Median)

London (Average)

£44,000

Westminster

£50,000

£6,000/yr better off

Rent (2-bed)

London (Average)

£2,000/mo

Westminster

£3,200/mo

£14,400/yr worse off

Council Tax (Band D)

London (Average)

£1,640

Westminster

£960

£680/yr better off

Commute

London (Average)

£180/mo

Westminster

£100/mo

£960/yr better off

Weekly Groceries

London (Average)

£75/wk

Westminster

£90/wk

£780/yr worse off

Energy Bills

London (Average)

£135/mo

Westminster

£130/mo

£60/yr better off

Lifestyle (Pints, Cinema, Gym)

London (Average)

£132/mo

Westminster

£167/mo

£425/yr worse off
Property

If You're Buying

London (Average)

£530,000

Average house price

Westminster

£920,000

Average house price

Housing is £390,000 more expensive in Westminster. Factor that in.

Price-to-income ratio

12.0x

London (Average) (median)

Price-to-income ratio

18.4x

Westminster (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

Westminster

Good
Outstanding: 24%Good: 70%94% good+

131 schools in area

Westminster has better-rated schools overall (94% 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)Westminster

£9,585/yr worse off

Where you save

  • Take-home pay+£4,320/yr
  • Commute+£960/yr
  • Council Tax+£680/yr

Where you pay more

  • Rent-£14,400/yr
  • Groceries-£780/yr
  • Lifestyle-£425/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.