Cheltenham Average Salary After Tax 2025-26
Average: £31,000/year · England · England & Wales income tax rates apply · ONS ASHE 2024
Cheltenham average salary tax breakdown 2025-26
| Item | Annual | Monthly |
|---|---|---|
| Gross salary (average) | £31,000 | £2,583 |
| Personal Allowance (tax-free) | £12,570 | £1,048 |
| Income Tax | −£3,686 | −£307 |
| National Insurance | −£1,474 | −£123 |
| Net take-home | £25,840 | £2,153 |
About salaries in Cheltenham
Cheltenham is a prosperous Regency town with GCHQ, cyber security, and financial services as major employers. Median full-time earnings are approximately £31,000.
Average salary in Cheltenham — what you take home
The median full-time employee salary in Cheltenham is approximately £31,000 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 £25,840 per year — or £2,153 per month.
Cheltenham is a prosperous Regency town with GCHQ, cyber security, and financial services as major employers. Median full-time earnings are approximately £31,000.
Out of £31,000, the average Cheltenham worker pays £3,686 in Income Tax and £1,474 in National Insurance. The effective combined tax rate is 16.65%.
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 Cheltenham after tax?
The average (median) full-time salary in Cheltenham is approximately £31,000 per year (based on ONS ASHE 2024 data). After Income Tax (£3,686) and National Insurance (£1,474), the take-home pay is £25,840/year — or £2,153/month.
What is the average take-home pay in Cheltenham per month?
Based on an average salary of £31,000 in Cheltenham, the monthly take-home pay after tax is £2,153. This is after Income Tax (£307/month) and National Insurance (£123/month).
What are average earnings in Cheltenham?
According to ONS Annual Survey of Hours and Earnings (ASHE) 2024, the median full-time employee earnings in Cheltenham are approximately £31,000 per year. This is the midpoint — half of full-time workers earn more, half earn less.
How does Cheltenham compare to the UK average salary?
The UK median full-time salary was approximately £35,000 in 2024. Cheltenham has a median of approximately £31,000. Location, industry mix, and cost of living all influence local salary levels.
What income tax band do most Cheltenham workers fall into?
At the Cheltenham average salary of £31,000, most workers fall into the Basic Rate band (20% income tax) in England. The effective combined tax rate (Income Tax + NI) is 16.65%.
What are the main industries driving salaries in Cheltenham?
Cheltenham is a prosperous Regency town with GCHQ, cyber security, and financial services as major employers. Median full-time earnings are approximately £31,000.
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