Winner on purchasing power
Leicester
After paying rent, a foundation doctor (fy1/fy2) in Leicester retains
£100/month more than in Cardiff —
that's £1,200/year extra in purchasing power.
Cardiff
View full breakdown →
Gross salary
£37,068
Net monthly
£2,517
Rent (1-bed)
£900
Rent-to-income
36% — Stretched
After rent
£1,617
Leicester
View full breakdown →
Gross salary
£37,068
Net monthly
£2,517
Rent (1-bed)
£800
Rent-to-income
32% — Comfortable
After rent
£1,717
Cardiff vs Leicester: what the £100/month gap means for a foundation doctor (fy1/fy2)
On paper, Cardiff foundation doctor (fy1/fy2) roles pay £0/year
more than Leicester. But take-home after tax and National Insurance tells a
different story — Cardiff workers keep £2,517/month versus
£2,517/month in Leicester.
The bigger picture is after rent. Average Cardiff rent runs £900/month
versus £800/month in Leicester. Once housing costs are factored in,
Leicester workers have £1,717/month
disposable income versus £1,617/month in Cardiff —
that is £1,200/year in real spending power.
Leicester's rent-to-income ratio of 32%
compares favourably to Cardiff's 36%.
Monthly cost comparison
All figures monthly · 2025/26
| Category |
Cardiff |
Leicester |
Delta |
| Rent (1-bed median) |
£900 |
£800 |
-11% |
| Transport |
£50 |
£62 |
+24% |
| Council tax |
£132 |
£118 |
-11% |
| Groceries |
£255 |
£258 |
+1% |
| Disposable income remaining |
£1,047 |
£1,146 |
+9% |
Sources: NHS Wales 2025/26 · Rightmove Q4 2025 · HMRC 2025/26 · Numbeo 2025
Cost-of-living equivalence
Based on a cost-of-living index of 64 for Cardiff
and 63 for Leicester,
a salary of £37,068 in Cardiff delivers
equivalent purchasing power to £36,500 in Leicester.
Cardiff £37,068 ≈
£36,500
in Leicester
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
Cardiff
£2.43
Leicester
£2.39
Transit (single trip)
Cardiff
£1.19
Leicester
£1.48
Gym membership
Cardiff
£35/mo
Leicester
£35/mo
Cinema ticket
Cardiff
£10.24
Leicester
£10.08
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Frequently asked questions
Does a foundation doctor (fy1/fy2) earn more in Cardiff or Leicester?
+
Cardiff pays a median £37,068 vs £37,068 in Leicester
— a gross difference of £0.
However, after accounting for rent and living costs, Leicester professionals
have £100/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 Cardiff vs Leicester?
+
In Cardiff: gross £37,068 → £2,517/month net take-home.
In Leicester: gross £37,068 → £2,517/month net take-home.
After paying median 1-bed rent, Cardiff leaves £1,617/month
vs Leicester's £1,717/month.
What salary in Leicester matches Cardiff purchasing power?
+
Approximately £36,500 in Leicester delivers equivalent purchasing power to
£37,068 in Cardiff, based on a cost-of-living index of
64 (Cardiff) vs 63 (Leicester).
Is Cardiff or Leicester cheaper to live in?
+
Leicester is cheaper overall, with a cost-of-living index of 63 vs 64 for Cardiff (London = 100).
Rent in Cardiff averages £900/month (1-bed)
vs £800/month in Leicester.
What is the rent-to-income ratio for a foundation doctor (fy1/fy2) in Cardiff?
+
A foundation doctor (fy1/fy2) in Cardiff earning £37,068 takes home
£2,517/month. With median 1-bed rent of £900/month,
the rent-to-income ratio is 36%
(stretched).
In Leicester the equivalent ratio is 32%.