Cardiff vs Oxford
Oxford wins on purchasing power. Oxford data scientists have £442/month more disposable income after rent than their Cardiff counterparts.
After paying rent, a data scientist in Oxford retains £442/month more than in Cardiff — that's £5,304/year extra in purchasing power.
Cardiff vs Oxford: what the £442/month gap means for a data scientist
On paper, Cardiff data scientist roles pay £19,000/year less than Oxford. But take-home after tax and National Insurance tells a different story — Cardiff workers keep £2,933/month versus £3,925/month in Oxford.
The bigger picture is after rent. Average Cardiff rent runs £900/month versus £1,450/month in Oxford. Once housing costs are factored in, Oxford workers have £2,475/month disposable income versus £2,033/month in Cardiff — that is £5,304/year in real spending power.
Oxford's rent-to-income ratio of 37% compares favourably to Cardiff's 31%.
For data scientists prioritising financial freedom, Oxford delivers significantly more disposable income despite comparable gross pay.
Cost-of-living equivalence
Based on a cost-of-living index of 64 for Cardiff and 85 for Oxford, a salary of £44,000 in Cardiff delivers equivalent purchasing power to £58,450 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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