Data / Business Analyst · City comparison · 2026

Cardiff vs Manchester

Manchester wins on purchasing power. Manchester data / business analysts have £381/month more disposable income after rent than their Cardiff counterparts.

Cardiff salary
£37,000
£2,513/mo take-home
Manchester salary
£45,850
£3,044/mo take-home
Manchester wins by
+£381
per month after rent
Winner on purchasing power
Manchester

After paying rent, a data / business analyst in Manchester retains £381/month more than in Cardiff — that's £4,572/year extra in purchasing power.

+£381
per month
Cardiff
View full breakdown →
Gross salary £37,000
Net monthly £2,513
Rent (1-bed) £900
Rent-to-income 36% — Stretched
After rent £1,613
Manchester
View full breakdown →
Gross salary £45,850
Net monthly £3,044
Rent (1-bed) £1,050
Rent-to-income 34% — Stretched
After rent £1,994

Cardiff vs Manchester: what the £381/month gap means for a data / business analyst

On paper, Cardiff data / business analyst roles pay £8,850/year less than Manchester. But take-home after tax and National Insurance tells a different story — Cardiff workers keep £2,513/month versus £3,044/month in Manchester.

The bigger picture is after rent. Average Cardiff rent runs £900/month versus £1,050/month in Manchester. Once housing costs are factored in, Manchester workers have £1,994/month disposable income versus £1,613/month in Cardiff — that is £4,572/year in real spending power.

Manchester's rent-to-income ratio of 34% compares favourably to Cardiff's 36%.

For data / business analysts prioritising financial freedom, Manchester delivers significantly more disposable income despite comparable gross pay.

Monthly cost comparison

All figures monthly · 2025/26

Category Cardiff Manchester Delta
Rent (1-bed median) £900 £1,050 +17%
Transport £50 £75 +50%
Council tax £132 £128 -3%
Groceries £255 £280 +10%
Disposable income remaining £1,043 £1,366 +31%

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

Cost-of-living equivalence

Based on a cost-of-living index of 64 for Cardiff and 68 for Manchester, a salary of £37,000 in Cardiff delivers equivalent purchasing power to £39,300 in Manchester.

Cardiff £37,000 ≈
£39,300
in Manchester

Income retention after all essentials

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

Cardiff 42%
Manchester 45%

Everyday costs

Estimated typical prices · scaled from Numbeo 2025

Cappuccino
Cardiff £2.43
Manchester £2.58
Transit (single trip)
Cardiff £1.19
Manchester £1.79
Gym membership
Cardiff £35/mo
Manchester £37/mo
Cinema ticket
Cardiff £10.24
Manchester £10.88

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Frequently asked questions

Does a data / business analyst earn more in Cardiff or Manchester? +
Cardiff pays a median £37,000 vs £45,850 in Manchester — a gross difference of £8,850. However, after accounting for rent and living costs, Manchester professionals have £381/month more disposable income, making it the stronger city in real terms.
What is the take-home pay for a data / business analyst in Cardiff vs Manchester? +
In Cardiff: gross £37,000£2,513/month net take-home. In Manchester: gross £45,850£3,044/month net take-home. After paying median 1-bed rent, Cardiff leaves £1,613/month vs Manchester's £1,994/month.
What salary in Manchester matches Cardiff purchasing power? +
Approximately £39,300 in Manchester delivers equivalent purchasing power to £37,000 in Cardiff, based on a cost-of-living index of 64 (Cardiff) vs 68 (Manchester).
Is Cardiff or Manchester cheaper to live in? +
Cardiff is cheaper overall, with a cost-of-living index of 64 vs 68 for Manchester (London = 100). Rent in Cardiff averages £900/month (1-bed) vs £1,050/month in Manchester.
What is the rent-to-income ratio for a data / business analyst in Cardiff? +
A data / business analyst in Cardiff earning £37,000 takes home £2,513/month. With median 1-bed rent of £900/month, the rent-to-income ratio is 36% (stretched). In Manchester the equivalent ratio is 34%.

Explore further

Affordability and salary breakdowns for Cardiff and Manchester

Afford Cardiff on £35,000? Afford Manchester on £45,000? Salary equivalence: Cardiff → Manchester Standard of living: Data / Business Analyst in Cardiff Standard of living: Data / Business Analyst in Manchester

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