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

£310 more a year on the same £40,000 salary, because the Band D council tax in London (£2,090) is £310 lower than in West Midlands. Income Tax and NI are identical (both rest-of-UK). Source: HMRC + MHCLG (OGL v3.0).

What about house prices in London vs West Midlands?

The average house price is £574,624 in London versus £262,565 in West Midlands — £312,059 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 West Midlands to London?

Council tax is £310 lower in London, so the move adds disposable income before housing — but weigh the £312,059 house-price difference. Source: MHCLG + Land Registry (OGL v3.0).

GeraJobs / Relocation Calculator / West Midlands → London

Relocating West Midlands → London on £40,000

Disposable income (after tax, NI and council tax): £30,230 in London vs £29,920 in West Midlands — £310 more a year.

Is it worth relocating from West Midlands to London on £40,000?

On £40,000, your disposable income after tax, NI and council tax is £30,230 in London versus £29,920 in West Midlands — £310 more a year on council tax alone. Factor in the house-price gap (£574,624 vs £262,565). 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 West Midlands → London on £40,000. House price gap: £312,059.

How this is calculated

+£310 / yr

Side-by-side on £40,000

	West Midlands	London
Band D council tax	£2,400	£2,090
Disposable after tax, NI & council tax	£29,920	£30,230
Average house price	£262,565	£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 West Midlands you keep £29,920 disposable; in London you keep £30,230 — a gain of £310 a year (after tax, NI and council tax).

House prices: £574,624 in London vs £262,565 in West Midlands — £312,059 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 → West Midlands Take-home in London London vs regional

West Midlands → London — FAQ

How much more disposable income would I have in London vs West Midlands?: £310 more a year on the same £40,000 salary, because the Band D council tax in London (£2,090) is £310 lower than in West Midlands. Income Tax and NI are identical (both rest-of-UK). Source: HMRC + MHCLG (OGL v3.0).
What about house prices in London vs West Midlands?: The average house price is £574,624 in London versus £262,565 in West Midlands — £312,059 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 West Midlands to London?: Council tax is £310 lower in London, so the move adds disposable income before housing — but weigh the £312,059 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.