How much disposable income does £70,000 in London leave?

£49,067 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 South East matches £70,000 in London?

On disposable income after tax, NI and council tax, £70,000 in South East leaves £48,682 versus £49,067 for £70,000 in London. Housing widens the gap further: London homes cost about 1.47× a South East home. Source: HMRC + MHCLG + Land Registry (OGL v3.0).

Why is council tax lower in London than South East?

London's average Band D council tax (£2,090) is lower than South East's (£2,475) 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).

GeraJobs / London vs Regional / London vs South East

£70,000 in London vs South East

Disposable income after tax, NI and council tax: £49,067 in London vs £48,682 in South East. But London homes (£574,624) cost far more than South East (£391,573).

Is £70,000 in London worth more than £70,000 in South East?

£70,000 in London leaves £49,067 disposable after tax, NI and council tax; £70,000 in South East leaves £48,682 — £385 less. London's average house price (£574,624) is far higher than South East's (£391,573). Source: HMRC + MHCLG + Land Registry.

Source:HM Land Registry — UK House Price Index (UKHPI)·As of April 2026 · updated annually (rates change 6 April; council tax 1 April) · last refreshed 19 June 2026

Gera Real Job Value

Disposable income after tax, NI and council tax on £70,000 — London vs South East. House price gap: £183,051.

How this is calculated

£49,067 vs £48,682

On £70,000 — London vs South East

	London	South East
Band D council tax	£2,090	£2,475
Disposable (after tax, NI, council tax)	£49,067	£48,682
Average house price	£574,624	£391,573

London leaves £385 more disposable on council tax — but London housing costs far more.

London vs South East — 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

RegionSalary

Destination

RegionOffered salary

In London you keep £49,067 disposable; in South East you keep £48,682 — a loss of £385 a year (after tax, NI and council tax).

House prices: £391,573 in South East vs £574,624 in London — £183,051 lower. Factor housing into your decision.

See jobs in your destination region on GeraJobs

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 South East at other salaries

Take-home in South East Relocate London → South East

London vs South East on £70,000 — FAQ

How much disposable income does £70,000 in London leave?: £49,067 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 South East matches £70,000 in London?: On disposable income after tax, NI and council tax, £70,000 in South East leaves £48,682 versus £49,067 for £70,000 in London. Housing widens the gap further: London homes cost about 1.47× a South East home. Source: HMRC + MHCLG + Land Registry (OGL v3.0).
Why is council tax lower in London than South East?: London's average Band D council tax (£2,090) is lower than South East's (£2,475) 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.