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Crunching costs, sorting signals, rendering insights.
Crunching costs, sorting signals, rendering insights.
Cardiff vs Swansea in 2026: cost index 92 vs 84, rent £850 vs £650, income £31,000 vs £28,000, QoL 63 vs 66.
Cardiff vs Swansea in 2026: cost index 92 vs 84, rent £850 vs £650, income £31,000 vs £28,000, QoL 63 vs 66.
Cardiff ranks #1 with a cost index of 92 and rent of £850/month.
Average cost index across these cities: 88 (-11 vs national average of 99).
Average quality of life: 65/100. Top: Cardiff at 63/100.
Safest city: Cardiff (62/100 safety score).
Let's cut to what actually matters here. Cardiff stands out as the top-ranked city in this analysis. With a cost index of 92 and median income of £31,000, it offers below-average costs relative to the rest of United Kingdom. That's a strong position by any measure.
On quality of life, Swansea leads with a composite score of 66/100 — reflecting its safety (62), healthcare (65), and walkability (62) metrics. Zooming out, affordability and QoL don't always move in the same direction, and United Kingdom is a good example of that tension.
The country average QoL score is 61/100. Cardiff leads with 63/100, reflecting its safety, healthcare access, walkability, and green space.
Our index is benchmarked to 100 (national median). Sub-categories cover housing, food, transport, utilities, and healthcare. Data sources include ONS, Land Registry, HMRC.
Cardiff (ranked #1) has a cost index of 92 and rent of £850/mo. Swansea (#2) has index 84 and rent £650/mo — a 8-point gap.