GeraJobs / Relocation Calculator / London → South West
Relocating London → South West on £45,000
Disposable income (after tax, NI and council tax): £33,409 in South West vs £33,830 in London — £421 less a year.
Is it worth relocating from London to South West on £45,000?
On £45,000, your disposable income after tax, NI and council tax is £33,409 in South West versus £33,830 in London — £421 less a year on council tax alone. Factor in the house-price gap (£306,898 vs £574,624). Source: HMRC + MHCLG + Land Registry.
Gera Real Job Value
Change in disposable income after tax, NI and council tax moving London → South West on £45,000. House price gap: £267,726.
How this is calculatedSide-by-side on £45,000
| London | South West | |
|---|---|---|
| Band D council tax | £2,090 | £2,511 |
| Disposable after tax, NI & council tax | £33,830 | £33,409 |
| Average house price | £574,624 | £306,898 |
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
Destination
In London you keep £33,830 disposable; in South West you keep £33,409 — a loss of £421 a year (after tax, NI and council tax).
House prices: £306,898 in South West vs £574,624 in London — £267,726 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.
This route at other salaries
London → South West — FAQ
- How much more disposable income would I have in South West vs London?
- £421 less a year, because the Band D council tax in South West (£2,511) is £421 higher than in London. Income Tax and NI are identical. Source: HMRC + MHCLG (OGL v3.0).
- What about house prices in South West vs London?
- The average house price is £306,898 in South West versus £574,624 in London — £267,726 lower. 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 London to South West?
- On council tax alone you would need roughly £421 more gross to offset the higher South West bill, before considering rent or mortgage differences from the £267,726 house-price gap.
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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; Income Tax/NI are identical across rUK. A guide, not personal financial advice.