GeraJobs / London vs Regional / London vs South East
£85,000 in London vs South East
Disposable income after tax, NI and council tax: £57,767 in London vs £57,382 in South East. But London homes (£574,624) cost far more than South East (£391,573).
Is £85,000 in London worth more than £85,000 in South East?
£85,000 in London leaves £57,767 disposable after tax, NI and council tax; £85,000 in South East leaves £57,382 — £385 less. London's average house price (£574,624) is far higher than South East's (£391,573). Source: HMRC + MHCLG + Land Registry.
Gera Real Job Value
Disposable income after tax, NI and council tax on £85,000 — London vs South East. House price gap: £183,051.
How this is calculatedOn £85,000 — London vs South East
| London | South East | |
|---|---|---|
| Band D council tax | £2,090 | £2,475 |
| Disposable (after tax, NI, council tax) | £57,767 | £57,382 |
| 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
Destination
In London you keep £57,767 disposable; in South East you keep £57,382 — 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.
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
London vs South East on £85,000 — FAQ
- How much disposable income does £85,000 in London leave?
- £57,767 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 £85,000 in London?
- On disposable income after tax, NI and council tax, £85,000 in South East leaves £57,382 versus £57,767 for £85,000 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).
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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.