Cardiff Average Salary After Tax 2025-26
Average: £29,500/year · Wales · England & Wales income tax rates apply · ONS ASHE 2024
Cardiff average salary tax breakdown 2025-26
| Item | Annual | Monthly |
|---|---|---|
| Gross salary (average) | £29,500 | £2,458 |
| Personal Allowance (tax-free) | £12,570 | £1,048 |
| Income Tax | −£3,386 | −£282 |
| National Insurance | −£1,354 | −£113 |
| Net take-home | £24,760 | £2,063 |
About salaries in Cardiff
Cardiff is Wales's capital and main business centre, with a strong public sector, financial services, and creative industries. Median full-time earnings are around £29,500. Wales uses the same income tax rates as England.
Average salary in Cardiff — what you take home
The median full-time employee salary in Cardiff is approximately £29,500 per year, based on ONS Annual Survey of Hours and Earnings (ASHE) 2024 data. After Income Tax and National Insurance, the average take-home pay is £24,760 per year — or £2,063 per month.
Cardiff is Wales's capital and main business centre, with a strong public sector, financial services, and creative industries. Median full-time earnings are around £29,500. Wales uses the same income tax rates as England.
Out of £29,500, the average Cardiff worker pays £3,386 in Income Tax and £1,354 in National Insurance. The effective combined tax rate is 16.07%.
These figures are for a standard employee with no pension contributions, student loan, or other deductions beyond standard Income Tax and National Insurance. Use the calculator above to enter your specific salary.
Frequently asked questions
What is the average salary in Cardiff after tax?
The average (median) full-time salary in Cardiff is approximately £29,500 per year (based on ONS ASHE 2024 data). After Income Tax (£3,386) and National Insurance (£1,354), the take-home pay is £24,760/year — or £2,063/month.
What is the average take-home pay in Cardiff per month?
Based on an average salary of £29,500 in Cardiff, the monthly take-home pay after tax is £2,063. This is after Income Tax (£282/month) and National Insurance (£113/month).
What are average earnings in Cardiff?
According to ONS Annual Survey of Hours and Earnings (ASHE) 2024, the median full-time employee earnings in Cardiff are approximately £29,500 per year. This is the midpoint — half of full-time workers earn more, half earn less.
How does Cardiff compare to the UK average salary?
The UK median full-time salary was approximately £35,000 in 2024. Cardiff has a median of approximately £29,500. Location, industry mix, and cost of living all influence local salary levels.
What income tax band do most Cardiff workers fall into?
At the Cardiff average salary of £29,500, most workers fall into the Basic Rate band (20% income tax) in Wales. The effective combined tax rate (Income Tax + NI) is 16.07%.
What are the main industries driving salaries in Cardiff?
Cardiff is Wales's capital and main business centre, with a strong public sector, financial services, and creative industries. Median full-time earnings are around £29,500. Wales uses the same income tax rates as England.
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