Winner on purchasing power
Birmingham
After paying rent, a data / business analyst in Birmingham retains
£100/month more than in Liverpool —
that's £1,200/year extra in purchasing power.
Birmingham
View full breakdown →
Gross salary
£42,500
Net monthly
£2,843
Rent (1-bed)
£850
Rent-to-income
30% — Comfortable
After rent
£1,993
Liverpool
View full breakdown →
Gross salary
£40,000
Net monthly
£2,693
Rent (1-bed)
£800
Rent-to-income
30% — Comfortable
After rent
£1,893
Birmingham vs Liverpool: what the £100/month gap means for a data / business analyst
On paper, Birmingham data / business analyst roles pay £2,500/year
more than Liverpool. But take-home after tax and National Insurance tells a
different story — Birmingham workers keep £2,843/month versus
£2,693/month in Liverpool.
The bigger picture is after rent. Average Birmingham rent runs £850/month
versus £800/month in Liverpool. Once housing costs are factored in,
Birmingham workers have £1,993/month
disposable income versus £1,893/month in Liverpool —
that is £1,200/year in real spending power.
Birmingham's rent-to-income ratio of 30%
compares favourably to Liverpool's 30%.
Monthly cost comparison
All figures monthly · 2025/26
| Category |
Birmingham |
Liverpool |
Delta |
| Rent (1-bed median) |
£850 |
£800 |
-6% |
| Transport |
£65 |
£70 |
+8% |
| Council tax |
£118 |
£115 |
-3% |
| Groceries |
£265 |
£260 |
-2% |
| Disposable income remaining |
£1,405 |
£1,315 |
-6% |
Sources: ONS 2025 · Rightmove Q4 2025 · HMRC 2025/26 · Numbeo 2025
Cost-of-living equivalence
Based on a cost-of-living index of 65 for Birmingham
and 62 for Liverpool,
a salary of £42,500 in Birmingham delivers
equivalent purchasing power to £40,550 in Liverpool.
Birmingham £42,500 ≈
£40,550
in Liverpool
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
Cappuccino
Birmingham
£2.47
Liverpool
£2.36
Transit (single trip)
Birmingham
£1.55
Liverpool
£1.67
Gym membership
Birmingham
£36/mo
Liverpool
£34/mo
Cinema ticket
Birmingham
£10.40
Liverpool
£9.92
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Frequently asked questions
Does a data / business analyst earn more in Birmingham or Liverpool?
+
Birmingham pays a median £42,500 vs £40,000 in Liverpool
— a gross difference of £2,500.
However, after accounting for rent and living costs, Birmingham professionals
have £100/month more disposable income, making it the stronger city in real terms.
What is the take-home pay for a data / business analyst in Birmingham vs Liverpool?
+
In Birmingham: gross £42,500 → £2,843/month net take-home.
In Liverpool: gross £40,000 → £2,693/month net take-home.
After paying median 1-bed rent, Birmingham leaves £1,993/month
vs Liverpool's £1,893/month.
What salary in Liverpool matches Birmingham purchasing power?
+
Approximately £40,550 in Liverpool delivers equivalent purchasing power to
£42,500 in Birmingham, based on a cost-of-living index of
65 (Birmingham) vs 62 (Liverpool).
Is Birmingham or Liverpool cheaper to live in?
+
Liverpool is cheaper overall, with a cost-of-living index of 62 vs 65 for Birmingham (London = 100).
Rent in Birmingham averages £850/month (1-bed)
vs £800/month in Liverpool.
What is the rent-to-income ratio for a data / business analyst in Birmingham?
+
A data / business analyst in Birmingham earning £42,500 takes home
£2,843/month. With median 1-bed rent of £850/month,
the rent-to-income ratio is 30%
(comfortable).
In Liverpool the equivalent ratio is 30%.