GeraJobs / Relocation Calculator / West Midlands → London
Relocating West Midlands → London on £45,000
Disposable income (after tax, NI and council tax): £33,830 in London vs £33,520 in West Midlands — £310 more a year.
Is it worth relocating from West Midlands to London on £45,000?
On £45,000, your disposable income after tax, NI and council tax is £33,830 in London versus £33,520 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.
Gera Real Job Value
Change in disposable income after tax, NI and council tax moving West Midlands → London on £45,000. House price gap: £312,059.
How this is calculatedSide-by-side on £45,000
| West Midlands | London | |
|---|---|---|
| Band D council tax | £2,400 | £2,090 |
| Disposable after tax, NI & council tax | £33,520 | £33,830 |
| 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
Destination
In West Midlands you keep £33,520 disposable; in London you keep £33,830 — 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.
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
West Midlands → London — FAQ
- How much more disposable income would I have in London vs West Midlands?
- £310 more a year on the same £45,000 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).
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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.