Swansea Average Salary After Tax 2025-26
Average: £27,500/year · Wales · England & Wales income tax rates apply · ONS ASHE 2024
Swansea average salary tax breakdown 2025-26
| Item | Annual | Monthly |
|---|---|---|
| Gross salary (average) | £27,500 | £2,292 |
| Personal Allowance (tax-free) | £12,570 | £1,048 |
| Income Tax | −£2,986 | −£249 |
| National Insurance | −£1,194 | −£100 |
| Net take-home | £23,320 | £1,943 |
About salaries in Swansea
Swansea is Wales's second city, with a growing digital and tech sector alongside traditional manufacturing and public sector employment. Median full-time earnings are approximately £27,500. Wales uses England's income tax rates.
Average salary in Swansea — what you take home
The median full-time employee salary in Swansea is approximately £27,500 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 £23,320 per year — or £1,943 per month.
Swansea is Wales's second city, with a growing digital and tech sector alongside traditional manufacturing and public sector employment. Median full-time earnings are approximately £27,500. Wales uses England's income tax rates.
Out of £27,500, the average Swansea worker pays £2,986 in Income Tax and £1,194 in National Insurance. The effective combined tax rate is 15.2%.
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 Swansea after tax?
The average (median) full-time salary in Swansea is approximately £27,500 per year (based on ONS ASHE 2024 data). After Income Tax (£2,986) and National Insurance (£1,194), the take-home pay is £23,320/year — or £1,943/month.
What is the average take-home pay in Swansea per month?
Based on an average salary of £27,500 in Swansea, the monthly take-home pay after tax is £1,943. This is after Income Tax (£249/month) and National Insurance (£100/month).
What are average earnings in Swansea?
According to ONS Annual Survey of Hours and Earnings (ASHE) 2024, the median full-time employee earnings in Swansea are approximately £27,500 per year. This is the midpoint — half of full-time workers earn more, half earn less.
How does Swansea compare to the UK average salary?
The UK median full-time salary was approximately £35,000 in 2024. Swansea has a median of approximately £27,500. Location, industry mix, and cost of living all influence local salary levels.
What income tax band do most Swansea workers fall into?
At the Swansea average salary of £27,500, most workers fall into the Basic Rate band (20% income tax) in Wales. The effective combined tax rate (Income Tax + NI) is 15.2%.
What are the main industries driving salaries in Swansea?
Swansea is Wales's second city, with a growing digital and tech sector alongside traditional manufacturing and public sector employment. Median full-time earnings are approximately £27,500. Wales uses England's income tax rates.
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