Living in Cardiff — The Numbers
Council tax, rent, salary, and take-home figures for Cardiff — updated for the 2024/25 year.
Cardiff at a glance
Council tax (Band D): £2,005/yr
Median 1-bed rent: £1,050/month
Median full-time salary: £33,500
What rent costs vs what you earn
On the Cardiff median salary of £33,500, monthly take-home is roughly £2,178 after income tax and NI. The median 1-bed rent of £1,050 therefore consumes about 48% of take-home — significantly above the 30% rule — the affordability strain is real.
Annual rent alone: £12,600. Add council tax and bills (~£300–£450/month) and the typical 1-bed household in Cardiff runs a baseline of roughly £18,805/year before groceries, transport, or anything discretionary.
Council tax by band in Cardiff
Council tax in Cardiff is charged per band, with Band D as the reference point (£2,005/year). Other bands scale from Band D using statutory ratios — Band A is two-thirds of Band D, Band H is twice.
| Band | Annual | Monthly |
|---|---|---|
| Band A | £1,337/yr | £111/mo |
| Band B | £1,559/yr | £130/mo |
| Band C | £1,782/yr | £149/mo |
| Band D | £2,005/yr | £167/mo |
| Band E | £2,451/yr | £204/mo |
| Band F | £2,896/yr | £241/mo |
| Band G | £3,342/yr | £278/mo |
| Band H | £4,010/yr | £334/mo |
Bands reflect valuations as at 1 April 1991 (England) or 1 April 2003 (Wales). Your actual band is on your council tax bill or findable via gov.uk.
Take-home pay & rent affordability in Cardiff
How different salaries work out after tax and NI, against Cardiff's £1,050/month median 1-bed rent. The "rent budget" column applies the 30% affordability rule; "after rent" is what's left after paying the Cardiff median 1-bed.
| Gross salary | Net/month | 30% rent budget | After median rent |
|---|---|---|---|
| £25,000 | £1,625 | £488 | £575 |
| £35,000 | £2,275 | £683 | £1,225 |
| £50,000 | £3,250 | £975 | £2,200 |
| £75,000 | £4,063 | £1,219 | £3,013 |
| £100,000 | £4,833 | £1,450 | £3,783 |
How Cardiff compares to nearby cities
Relative to four UK cities with similar median earnings:
- Leeds — Band D £2,070, 1-bed £950/mo, median £33,500 (10% cheaper rent than Cardiff)
- Southampton — Band D £2,120, 1-bed £1,100/mo, median £33,500 (5% more expensive rent)
- Manchester — Band D £2,075, 1-bed £1,100/mo, median £34,000 (5% more expensive rent)
- Birmingham — Band D £2,060, 1-bed £925/mo, median £33,000 (12% cheaper rent than Cardiff)
Work out your own numbers
Compared to other UK cities
See cheapest UK cities for council tax, most expensive cities by rent, or browse all UK city pages.
Methodology & caveats
Figures are aggregated from 2024/25 local authority budget notices, ONS ASHE, and ONS Private Rental Market statistics. Council tax shown is Band D — check your property's band with your local authority. See the full methodology page.