GeraJobs / London vs Regional / London vs West Midlands
£65,000 in London vs West Midlands
Disposable income after tax, NI and council tax: £46,167 in London vs £45,857 in West Midlands. But London homes (£574,624) cost far more than West Midlands (£262,565).
Is £65,000 in London worth more than £65,000 in West Midlands?
£65,000 in London leaves £46,167 disposable after tax, NI and council tax; £65,000 in West Midlands leaves £45,857 — £310 less. London's average house price (£574,624) is far higher than West Midlands's (£262,565). Source: HMRC + MHCLG + Land Registry.
Gera Real Job Value
Disposable income after tax, NI and council tax on £65,000 — London vs West Midlands. House price gap: £312,059.
How this is calculatedOn £65,000 — London vs West Midlands
| London | West Midlands | |
|---|---|---|
| Band D council tax | £2,090 | £2,400 |
| Disposable (after tax, NI, council tax) | £46,167 | £45,857 |
| Average house price | £574,624 | £262,565 |
London leaves £310 more disposable on council tax — but London housing costs far more.
London vs West Midlands — 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 £46,167 disposable; in West Midlands you keep £45,857 — a loss of £310 a year (after tax, NI and council tax).
House prices: £262,565 in West Midlands vs £574,624 in London — £312,059 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 West Midlands at other salaries
London vs West Midlands on £65,000 — FAQ
- How much disposable income does £65,000 in London leave?
- £46,167 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 West Midlands matches £65,000 in London?
- On disposable income after tax, NI and council tax, £65,000 in West Midlands leaves £45,857 versus £46,167 for £65,000 in London. Housing widens the gap further: London homes cost about 2.19× a West Midlands home. Source: HMRC + MHCLG + Land Registry (OGL v3.0).
- Why is council tax lower in London than West Midlands?
- London's average Band D council tax (£2,090) is lower than West Midlands's (£2,400) 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.