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Crunching costs, sorting signals, rendering insights.
Crunching costs, sorting signals, rendering insights.
Cost of living in Cardiff, United Kingdom (2026): cost index 96 (-7 vs national avg), rent £940/mo, median income £32,600/yr. Rent takes 35% of gross income. Full breakdown vs Wales peers below.
Cost of living in Cardiff, United Kingdom (2026): cost index 96 (-7 vs national avg), rent £940/mo, median income £32,600/yr. Rent takes 35% of gross income. Full breakdown vs Wales peers below.
| # | City | Cost Index | Rent/mo | Income |
|---|---|---|---|---|
| 1 | Cardiff | 96 | £940 | £32,600 |
| 2 | Sunderland | 83 | £660 | £28,400 |
| 3 | Swansea | 87 | £720 | £29,500 |
| 4 | Newcastle upon Tyne | 89 | £800 | £30,500 |
| 5 | Belfast | 89 | £780 | £30,500 |
| 6 | Sheffield | 91 | £830 | £30,000 |
| 7 | Liverpool | 92 | £830 | £30,500 |
| 8 | Leicester | 93 | £860 | £30,000 |
| 9 | Coventry | 94 | £880 | £30,500 |
| 10 | Nottingham | 94 | £880 | £31,000 |
| 11 | Glasgow | 95 | £960 | £32,600 |
| 12 | Leeds | 96 | £950 | £31,600 |
| 13 | Plymouth | 97 | £870 | £31,000 |
| 14 | Birmingham | 97 | £950 | £32,200 |
| 15 | Aberdeen | 98 | £810 | £35,800 |
| 16 | Norwich | 99 | £920 | £32,000 |
| 17 | Manchester | 103 | £1,080 | £33,800 |
| 18 | Exeter | 106 | £1,020 | £32,600 |
| 19 | York | 107 | £1,080 | £34,700 |
| 20 | Edinburgh | 110 | £1,220 | £37,000 |
Cardiff: cost index 96 (-7 vs national avg 103), rent £940/month.
Wales region average cost index: 103. Cardiff is -7 vs region peers.
Quality of life: 62/100 — safety 62, healthcare 72, walkability 72.
Safety score: 62/100 (crime rate 72.5/1k). National average: 61/100.
One stat flips the usual narrative: Cardiff has a cost index of 96 — 7 points below the United Kingdom national average of 103. Median income is £32,600 with rent at £940/month, putting the rent-to-income ratio at 35%. That ratio is hard to beat anywhere else.
And there's one more thing: looking at Wales as a whole, the spread across all 27 cities is 46 points on the cost index. London sits at the other end with index 142 and rent of £2,000/mo. Financially, that's significant.
On quality of life, Cardiff scores a composite score of 62/100 — reflecting its safety (62), healthcare (72), and walkability (72) metrics. Context matters here. affordability and QoL don't always move in the same direction, and United Kingdom is a good example of that tension.
Cardiff — cost index 96, rent £940/mo, income £32,600, QoL 62/100.
Sunderland — cost index 83, rent £660/mo, income £28,400, QoL 59/100.
Swansea — cost index 87, rent £720/mo, income £29,500, QoL 66/100.
Newcastle upon Tyne — cost index 89, rent £800/mo, income £30,500, QoL 63/100.
Belfast — cost index 89, rent £780/mo, income £30,500, QoL 62/100.
Cardiff has a cost index of 96 (national avg: 103). Median rent is £940/month, median income £32,600/year, giving a rent-to-income ratio of 35%.
The Wales region of average QoL score is 60/100. Cardiff leads with 62/100, reflecting 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: cost index 96, rent £940/mo, income £32,600/yr, QoL 62/100. Sunderland: cost index 83, rent £660/mo, income £28,400/yr, QoL 59/100.
This analysis uses data from ONS, Land Registry, HMRC to rank cities in United Kingdom. The cost of living index is benchmarked to 100 (national median). Quality of life scores combine safety, healthcare, walkability, air quality, green space, and transit metrics. Salary ranges use national occupation data adjusted for local cost differences. Data is updated regularly to reflect current market conditions.