Average Salary in Cardiff After Tax

The average salary in Cardiff is £30,000. Here's what that means after tax for 2025/26.

Cardiff Average Take Home Pay
£25,120
per year on the average Cardiff salary of £30,000
Avg Salary
£30,000
Take Home Monthly
£2,093
Tax + NI
£4,880
Tax Breakdown
Gross salary£30,000
Income tax-£3,486
National Insurance-£1,394
Take home pay£25,120

Working in Cardiff

Cardiff is the Welsh capital with a growing economy. Financial services, government, and media are key sectors.

On the average Cardiff salary of £30,000, you'll take home £25,120 per year or £2,093 per month after income tax and National Insurance.

Salary Context in Cardiff

Cardiff is the capital of Wales and its primary economic centre, with a median salary of approximately £29,500. The city has attracted significant investment in recent years, with a growing business services sector and expanding creative industries around BBC Wales and S4C.

Cost of Living in Cardiff

Average monthly rent for a one-bedroom flat is approximately £750. Average house prices around £235,000 make Cardiff one of the more affordable UK capitals. The city centre is compact and walkable. Rail services connect to London Paddington (2h) and Bristol (50 minutes).

Key Industries and Employers

Cardiff's economy is driven by financial and professional services (Admiral, Legal & General), the public sector (Welsh Government, HMRC), healthcare (University Hospital of Wales), media and creative (BBC Wales, S4C), and higher education (Cardiff University is Russell Group). Insurance and financial services are particularly strong.

Working in Cardiff

Cardiff offers an excellent quality of life relative to salary levels. The city has lower living costs than Bristol (just 45 minutes away) while offering similar career opportunities in many sectors.

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Salaries in Other UK Cities

See the full breakdown: £30,000 salary after tax