Foundation Doctor (FY1/FY2) · City comparison · 2026

Bristol vs Exeter

Exeter wins on purchasing power. Exeter foundation doctor (fy1/fy2)s have £350/month more disposable income after rent than their Bristol counterparts.

Bristol salary
£37,068
£2,517/mo take-home
Exeter salary
£37,068
£2,517/mo take-home
Exeter wins by
+£350
per month after rent
Winner on purchasing power
Exeter

After paying rent, a foundation doctor (fy1/fy2) in Exeter retains £350/month more than in Bristol — that's £4,200/year extra in purchasing power.

+£350
per month
Bristol
View full breakdown →
Gross salary £37,068
Net monthly £2,517
Rent (1-bed) £1,350
Rent-to-income 54% — High pressure
After rent £1,167
Exeter
View full breakdown →
Gross salary £37,068
Net monthly £2,517
Rent (1-bed) £1,000
Rent-to-income 40% — Stretched
After rent £1,517

Bristol vs Exeter: what the £350/month gap means for a foundation doctor (fy1/fy2)

On paper, Bristol foundation doctor (fy1/fy2) roles pay £0/year more than Exeter. But take-home after tax and National Insurance tells a different story — Bristol workers keep £2,517/month versus £2,517/month in Exeter.

The bigger picture is after rent. Average Bristol rent runs £1,350/month versus £1,000/month in Exeter. Once housing costs are factored in, Exeter workers have £1,517/month disposable income versus £1,167/month in Bristol — that is £4,200/year in real spending power.

Exeter's rent-to-income ratio of 40% compares favourably to Bristol's 54%.

For foundation doctor (fy1/fy2)s prioritising financial freedom, Exeter delivers significantly more disposable income despite comparable gross pay.

Monthly cost comparison

All figures monthly · 2025/26

Category Bristol Exeter Delta
Rent (1-bed median) £1,350 £1,000 -26%
Transport £80 £68 -15%
Council tax £148 £125 -16%
Groceries £285 £272 -5%
Disposable income remaining £518 £917 +77%

Sources: NHS Employers 2025/26 · Rightmove Q4 2025 · HMRC 2025/26 · Numbeo 2025

Cost-of-living equivalence

Based on a cost-of-living index of 75 for Bristol and 70 for Exeter, a salary of £37,068 in Bristol delivers equivalent purchasing power to £34,600 in Exeter.

Bristol £37,068 ≈
£34,600
in Exeter

Income retention after all essentials

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

Bristol 21%
Exeter 36%

Everyday costs

Estimated typical prices · scaled from Numbeo 2025

Cappuccino
Bristol £2.85
Exeter £2.66
Transit (single trip)
Bristol £1.90
Exeter £1.62
Gym membership
Bristol £41/mo
Exeter £39/mo
Cinema ticket
Bristol £12.00
Exeter £11.20

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Frequently asked questions

Does a foundation doctor (fy1/fy2) earn more in Bristol or Exeter? +
Bristol pays a median £37,068 vs £37,068 in Exeter — a gross difference of £0. However, after accounting for rent and living costs, Exeter professionals have £350/month more disposable income, making it the stronger city in real terms.
What is the take-home pay for a foundation doctor (fy1/fy2) in Bristol vs Exeter? +
In Bristol: gross £37,068£2,517/month net take-home. In Exeter: gross £37,068£2,517/month net take-home. After paying median 1-bed rent, Bristol leaves £1,167/month vs Exeter's £1,517/month.
What salary in Exeter matches Bristol purchasing power? +
Approximately £34,600 in Exeter delivers equivalent purchasing power to £37,068 in Bristol, based on a cost-of-living index of 75 (Bristol) vs 70 (Exeter).
Is Bristol or Exeter cheaper to live in? +
Exeter is cheaper overall, with a cost-of-living index of 70 vs 75 for Bristol (London = 100). Rent in Bristol averages £1,350/month (1-bed) vs £1,000/month in Exeter.
What is the rent-to-income ratio for a foundation doctor (fy1/fy2) in Bristol? +
A foundation doctor (fy1/fy2) in Bristol earning £37,068 takes home £2,517/month. With median 1-bed rent of £1,350/month, the rent-to-income ratio is 54% (high pressure). In Exeter the equivalent ratio is 40%.

Explore further

Affordability and salary breakdowns for Bristol and Exeter

Afford Bristol on £35,000? Afford Exeter on £35,000? Salary equivalence: Bristol → Exeter

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