Cardiff · GBP · moderate cost city

Savings rate in Cardiff — are you on track?

Cardiff is a moderate cost city. Cardiff rents average £950/month — the Welsh capital is significantly cheaper than comparable English cities. Cardiff professionals face a favourable income-to-cost ratio, supporting savings rates above the UK mid-income benchmark.

Median rent

£950/mo

Cardiff 2024

Typical other costs

£1,000/mo

excl. housing

Savings benchmark

8–23%

mid-income GBP

Pre-set for Cardiff — adjust to your situation

Country
£42,500
£10,000£155,000£300,000+
£950/mo
£0£4,000£8,000+

Food, transport, subscriptions, going out — everything except rent

£1,400/mo
£0£3,000£6,000+

No signup required. Results are instant and private.

What a good savings rate looks like in Cardiff

Using data from ONS Living Costs & Food Survey FYE2024, people at mid-range incomes in United Kingdom typically save between 8–23% of gross income. In a moderate cost city like Cardiff, housing costs can compress that meaningfully — especially for renters.

Minimum
8%
floor — not building
Expected
16%
benchmark
Strong
32%
top tier

Source: ONS Living Costs & Food Survey FYE2024. Benchmarks shown for mid-income earners in United Kingdom.

See full cost breakdown for Cardiff →

Compare nearby cities

BristolBirminghamLondon

Also in the Verdict suite

SalaryVerdict — Is your Cardiff salary competitive?SpendVerdict — Is your Cardiff rent too high?