How much more disposable income would I have in London vs East Midlands?

£367 more a year on the same £70,000 salary, because the Band D council tax in London (£2,090) is £367 lower than in East Midlands. Income Tax and NI are identical (both rest-of-UK). Source: HMRC + MHCLG (OGL v3.0).

What about house prices in London vs East Midlands?

The average house price is £574,624 in London versus £245,841 in East Midlands — £328,783 higher. A relocation often needs a pay rise just to stand still on housing. Source: HM Land Registry UKHPI, April 2026 (OGL v3.0).

Would I need a pay rise to move from East Midlands to London?

Council tax is £367 lower in London, so the move adds disposable income before housing — but weigh the £328,783 house-price difference. Source: MHCLG + Land Registry (OGL v3.0).

GeraJobs / Relocation Calculator / East Midlands → London

Relocating East Midlands → London on £70,000

Disposable income (after tax, NI and council tax): £49,067 in London vs £48,700 in East Midlands — £367 more a year.

Is it worth relocating from East Midlands to London on £70,000?

On £70,000, your disposable income after tax, NI and council tax is £49,067 in London versus £48,700 in East Midlands — £367 more a year on council tax alone. Factor in the house-price gap (£574,624 vs £245,841). Source: HMRC + MHCLG + Land Registry.

Source:MHCLG — Council Tax levels set by local authorities in England 2026 to 2027·As of Financial year 2026-27 · updated annually (rates change 6 April; council tax 1 April) · last refreshed 19 June 2026

Gera Real Job Value

Change in disposable income after tax, NI and council tax moving East Midlands → London on £70,000. House price gap: £328,783.

How this is calculated

+£367 / yr

Side-by-side on £70,000

	East Midlands	London
Band D council tax	£2,457	£2,090
Disposable after tax, NI & council tax	£48,700	£49,067
Average house price	£245,841	£574,624

Is it worth relocating? — Real disposable-income comparison

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 East Midlands you keep £48,700 disposable; in London you keep £49,067 — a gain of £367 a year (after tax, NI and council tax).

House prices: £574,624 in London vs £245,841 in East Midlands — £328,783 higher. 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.

This route at other salaries

Reverse: London → East Midlands Take-home in London London vs regional

East Midlands → London — FAQ

How much more disposable income would I have in London vs East Midlands?: £367 more a year on the same £70,000 salary, because the Band D council tax in London (£2,090) is £367 lower than in East Midlands. Income Tax and NI are identical (both rest-of-UK). Source: HMRC + MHCLG (OGL v3.0).
What about house prices in London vs East Midlands?: The average house price is £574,624 in London versus £245,841 in East Midlands — £328,783 higher. A relocation often needs a pay rise just to stand still on housing. Source: HM Land Registry UKHPI, April 2026 (OGL v3.0).
Would I need a pay rise to move from East Midlands to London?: Council tax is £367 lower in London, so the move adds disposable income before housing — but weigh the £328,783 house-price difference. Source: MHCLG + Land Registry (OGL v3.0).

Get the latest cost-of-living figures for this move

Council tax and house-price 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; Income Tax/NI are identical across rUK. A guide, not personal financial advice.