GeraJobs / London vs Regional / London vs North West
£40,000 in London vs North West
Disposable income after tax, NI and council tax: £30,230 in London vs £29,837 in North West. But London homes (£574,624) cost far more than North West (£213,624).
Is £40,000 in London worth more than £40,000 in North West?
£40,000 in London leaves £30,230 disposable after tax, NI and council tax; £40,000 in North West leaves £29,837 — £393 less. London's average house price (£574,624) is far higher than North West's (£213,624). Source: HMRC + MHCLG + Land Registry.
Gera Real Job Value
Disposable income after tax, NI and council tax on £40,000 — London vs North West. House price gap: £361,000.
How this is calculatedOn £40,000 — London vs North West
| London | North West | |
|---|---|---|
| Band D council tax | £2,090 | £2,483 |
| Disposable (after tax, NI, council tax) | £30,230 | £29,837 |
| Average house price | £574,624 | £213,624 |
London leaves £393 more disposable on council tax — but London housing costs far more.
London vs North West — adjust the salaries
Compare your real disposable income after Income Tax, National Insurance and council tax in two regions, plus the house-price gap. Real HMRC 2026/27 rates and MHCLG / Land Registry data.
Current
Destination
In London you keep £30,230 disposable; in North West you keep £29,837 — a loss of £393 a year (after tax, NI and council tax).
House prices: £213,624 in North West vs £574,624 in London — £361,000 lower. Factor housing into your decision.
Uses rest-of-UK Income Tax bands and England-only council-tax data. A model on real HMRC / MHCLG / Land Registry figures — not personal advice.
London vs North West at other salaries
London vs North West on £40,000 — FAQ
- How much disposable income does £40,000 in London leave?
- £30,230 a year after Income Tax, NI and London's average Band D council tax of £2,090. Source: HMRC + MHCLG (OGL v3.0).
- What regional salary in North West matches £40,000 in London?
- On disposable income after tax, NI and council tax, £40,000 in North West leaves £29,837 versus £30,230 for £40,000 in London. Housing widens the gap further: London homes cost about 2.69× a North West home. Source: HMRC + MHCLG + Land Registry (OGL v3.0).
- Why is council tax lower in London than North West?
- London's average Band D council tax (£2,090) is lower than North West's (£2,483) because of London's larger tax base and different precepts — but London's housing costs dwarf the saving. Source: MHCLG Council Tax levels 2026 to 2027 (OGL v3.0).
Get the latest London vs regional figures
House-price and council-tax data refresh through the year. Save your email and we'll send the updated comparison.
Sources: HMRC — Income Tax + Class 1 employee NI 2026 to 2027; MHCLG — Council Tax levels 2026 to 2027 (Band D area); HM Land Registry — UK House Price Index (April 2026). All Open Government Licence v3.0. England GOR regions only. A guide, not personal financial advice.