Accountant (Qualified) · City comparison · 2026

Exeter vs Newcastle

Newcastle wins on purchasing power. Newcastle accountant (qualified)s have £282/month more disposable income after rent than their Exeter counterparts.

Exeter salary
£38,000
£2,573/mo take-home
Newcastle salary
£38,535
£2,605/mo take-home
Newcastle wins by
+£282
per month after rent
Winner on purchasing power
Newcastle

After paying rent, a accountant (qualified) in Newcastle retains £282/month more than in Exeter — that's £3,384/year extra in purchasing power.

+£282
per month
Exeter
View full breakdown →
Gross salary £38,000
Net monthly £2,573
Rent (1-bed) £1,000
Rent-to-income 39% — Stretched
After rent £1,573
Newcastle
View full breakdown →
Gross salary £38,535
Net monthly £2,605
Rent (1-bed) £750
Rent-to-income 29% — Comfortable
After rent £1,855

Exeter vs Newcastle: what the £282/month gap means for a accountant (qualified)

On paper, Exeter accountant (qualified) roles pay £535/year less than Newcastle. But take-home after tax and National Insurance tells a different story — Exeter workers keep £2,573/month versus £2,605/month in Newcastle.

The bigger picture is after rent. Average Exeter rent runs £1,000/month versus £750/month in Newcastle. Once housing costs are factored in, Newcastle workers have £1,855/month disposable income versus £1,573/month in Exeter — that is £3,384/year in real spending power.

Newcastle's rent-to-income ratio of 29% compares favourably to Exeter's 39%.

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

Monthly cost comparison

All figures monthly · 2025/26

Category Exeter Newcastle Delta
Rent (1-bed median) £1,000 £750 -25%
Transport £68 £75 +10%
Council tax £125 £112 -10%
Groceries £272 £255 -6%
Disposable income remaining £973 £1,281 +32%

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

Cost-of-living equivalence

Based on a cost-of-living index of 70 for Exeter and 61 for Newcastle, a salary of £38,000 in Exeter delivers equivalent purchasing power to £33,100 in Newcastle.

Exeter £38,000 ≈
£33,100
in Newcastle

Income retention after all essentials

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

Exeter 38%
Newcastle 49%

Everyday costs

Estimated typical prices · scaled from Numbeo 2025

Cappuccino
Exeter £2.66
Newcastle £2.32
Transit (single trip)
Exeter £1.62
Newcastle £1.79
Gym membership
Exeter £39/mo
Newcastle £34/mo
Cinema ticket
Exeter £11.20
Newcastle £9.76

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 Exeter or Newcastle? +
Exeter pays a median £38,000 vs £38,535 in Newcastle — a gross difference of £535. However, after accounting for rent and living costs, Newcastle professionals have £282/month more disposable income, making it the stronger city in real terms.
What is the take-home pay for a accountant (qualified) in Exeter vs Newcastle? +
In Exeter: gross £38,000£2,573/month net take-home. In Newcastle: gross £38,535£2,605/month net take-home. After paying median 1-bed rent, Exeter leaves £1,573/month vs Newcastle's £1,855/month.
What salary in Newcastle matches Exeter purchasing power? +
Approximately £33,100 in Newcastle delivers equivalent purchasing power to £38,000 in Exeter, based on a cost-of-living index of 70 (Exeter) vs 61 (Newcastle).
Is Exeter or Newcastle cheaper to live in? +
Newcastle is cheaper overall, with a cost-of-living index of 61 vs 70 for Exeter (London = 100). Rent in Exeter averages £1,000/month (1-bed) vs £750/month in Newcastle.
What is the rent-to-income ratio for a accountant (qualified) in Exeter? +
A accountant (qualified) in Exeter earning £38,000 takes home £2,573/month. With median 1-bed rent of £1,000/month, the rent-to-income ratio is 39% (stretched). In Newcastle the equivalent ratio is 29%.

Explore further

Affordability and salary breakdowns for Exeter and Newcastle

Afford Exeter on £40,000? Afford Newcastle on £40,000? Salary equivalence: Exeter → Newcastle Standard of living: Accountant (Qualified) in Exeter Standard of living: Accountant (Qualified) in Newcastle

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