Cambridge vs Oxford
Oxford wins on purchasing power. Oxford accountant (qualified)s have £1/month more disposable income after rent than their Cambridge counterparts.
After paying rent, a accountant (qualified) in Oxford retains £1/month more than in Cambridge — that's £12/year extra in purchasing power.
Cambridge vs Oxford: what the £1/month gap means for a accountant (qualified)
On paper, Cambridge accountant (qualified) roles pay £1,000/year more than Oxford. But take-home after tax and National Insurance tells a different story — Cambridge workers keep £3,635/month versus £3,586/month in Oxford.
The bigger picture is after rent. Average Cambridge rent runs £1,500/month versus £1,450/month in Oxford. Once housing costs are factored in, Oxford workers have £2,136/month disposable income versus £2,135/month in Cambridge — that is £12/year in real spending power.
Oxford's rent-to-income ratio of 40% compares favourably to Cambridge's 41%.
Cost-of-living equivalence
Based on a cost-of-living index of 87 for Cambridge and 85 for Oxford, a salary of £57,000 in Cambridge delivers equivalent purchasing power to £55,700 in Oxford.
Income retention after all essentials
% of net monthly pay remaining after rent, transport, council tax and groceries
Everyday costs
Estimated typical prices · scaled from Numbeo 2025
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