Accountant (Qualified) · City comparison · 2026

Cambridge vs Leeds

Cambridge wins on purchasing power. Cambridge accountant (qualified)s have £222/month more disposable income after rent than their Leeds counterparts.

Cambridge salary
£57,000
£3,635/mo take-home
Leeds salary
£42,000
£2,813/mo take-home
Cambridge wins by
+£222
per month after rent
Winner on purchasing power
Cambridge

After paying rent, a accountant (qualified) in Cambridge retains £222/month more than in Leeds — that's £2,664/year extra in purchasing power.

+£222
per month
Cambridge
View full breakdown →
Gross salary £57,000
Net monthly £3,635
Rent (1-bed) £1,500
Rent-to-income 41% — Stretched
After rent £2,135
Leeds
View full breakdown →
Gross salary £42,000
Net monthly £2,813
Rent (1-bed) £900
Rent-to-income 32% — Comfortable
After rent £1,913

Cambridge vs Leeds: what the £222/month gap means for a accountant (qualified)

On paper, Cambridge accountant (qualified) roles pay £15,000/year more than Leeds. But take-home after tax and National Insurance tells a different story — Cambridge workers keep £3,635/month versus £2,813/month in Leeds.

The bigger picture is after rent. Average Cambridge rent runs £1,500/month versus £900/month in Leeds. Once housing costs are factored in, Cambridge workers have £2,135/month disposable income versus £1,913/month in Leeds — that is £2,664/year in real spending power.

Cambridge's rent-to-income ratio of 41% compares favourably to Leeds's 32%.

For accountant (qualified)s prioritising financial freedom, Cambridge delivers significantly more disposable income despite comparable gross pay.

Monthly cost comparison

All figures monthly · 2025/26

Category Cambridge Leeds Delta
Rent (1-bed median) £1,500 £900 -40%
Transport £75 £65 -13%
Council tax £155 £112 -28%
Groceries £300 £270 -10%
Disposable income remaining £1,465 £1,331 -9%

Sources: ONS ASHE 2025 · Rightmove Q4 2025 · HMRC 2025/26 · Numbeo 2025

Cost-of-living equivalence

Based on a cost-of-living index of 87 for Cambridge and 66 for Leeds, a salary of £57,000 in Cambridge delivers equivalent purchasing power to £43,250 in Leeds.

Cambridge £57,000 ≈
£43,250
in Leeds

Income retention after all essentials

% of net monthly pay remaining after rent, transport, council tax and groceries

Cambridge 40%
Leeds 47%

Everyday costs

Estimated typical prices · scaled from Numbeo 2025

Cappuccino
Cambridge £3.31
Leeds £2.51
Transit (single trip)
Cambridge £1.79
Leeds £1.55
Gym membership
Cambridge £48/mo
Leeds £36/mo
Cinema ticket
Cambridge £13.92
Leeds £10.56

Financial tools

Popular products for UK earners

Best match
Amex Gold
Earn points on everyday spending
Annual fee: £140
Apply Now
Travel rewards
Barclaycard Avios
Collect Avios on every purchase
Annual fee: £0
Apply Now
Cashback
Chase UK Cashback
1% cashback, no annual fee
Annual fee: £0
Apply Now

Frequently asked questions

Does a accountant (qualified) earn more in Cambridge or Leeds? +
Cambridge pays a median £57,000 vs £42,000 in Leeds — a gross difference of £15,000. However, after accounting for rent and living costs, Cambridge professionals have £222/month more disposable income, making it the stronger city in real terms.
What is the take-home pay for a accountant (qualified) in Cambridge vs Leeds? +
In Cambridge: gross £57,000£3,635/month net take-home. In Leeds: gross £42,000£2,813/month net take-home. After paying median 1-bed rent, Cambridge leaves £2,135/month vs Leeds's £1,913/month.
What salary in Leeds matches Cambridge purchasing power? +
Approximately £43,250 in Leeds delivers equivalent purchasing power to £57,000 in Cambridge, based on a cost-of-living index of 87 (Cambridge) vs 66 (Leeds).
Is Cambridge or Leeds cheaper to live in? +
Leeds is cheaper overall, with a cost-of-living index of 66 vs 87 for Cambridge (London = 100). Rent in Cambridge averages £1,500/month (1-bed) vs £900/month in Leeds.
What is the rent-to-income ratio for a accountant (qualified) in Cambridge? +
A accountant (qualified) in Cambridge earning £57,000 takes home £3,635/month. With median 1-bed rent of £1,500/month, the rent-to-income ratio is 41% (stretched). In Leeds the equivalent ratio is 32%.

Explore further

Affordability and salary breakdowns for Cambridge and Leeds

Afford Cambridge on £55,000? Afford Leeds on £40,000? Salary equivalence: Cambridge → Leeds Standard of living: Accountant (Qualified) in Cambridge Standard of living: Accountant (Qualified) in Leeds

Data sources & methodology

ONS Annual Survey of Hours and Earnings 2025 · Rightmove Rental Trends Tracker Q1 2026 · Numbeo Cost of Living 2026

Analysis by the SalaryDex data team · May 2026 · Corrections: [email protected] · Full methodology · Data transparency pledge