Winner on purchasing power
Liverpool
After paying rent, a foundation doctor (fy1/fy2) in Liverpool retains
£107/month more than in Glasgow —
that's £1,284/year extra in purchasing power.
Glasgow
View full breakdown →
Gross salary
£37,068
Net monthly
£2,510
Rent (1-bed)
£900
Rent-to-income
36% — Stretched
After rent
£1,610
Liverpool
View full breakdown →
Gross salary
£37,068
Net monthly
£2,517
Rent (1-bed)
£800
Rent-to-income
32% — Comfortable
After rent
£1,717
Glasgow vs Liverpool: what the £107/month gap means for a foundation doctor (fy1/fy2)
On paper, Glasgow foundation doctor (fy1/fy2) roles pay £0/year
more than Liverpool. But take-home after tax and National Insurance tells a
different story — Glasgow workers keep £2,510/month versus
£2,517/month in Liverpool.
The bigger picture is after rent. Average Glasgow rent runs £900/month
versus £800/month in Liverpool. Once housing costs are factored in,
Liverpool workers have £1,717/month
disposable income versus £1,610/month in Glasgow —
that is £1,284/year in real spending power.
Liverpool's rent-to-income ratio of 32%
compares favourably to Glasgow's 36%.
Monthly cost comparison
All figures monthly · 2025/26
| Category |
Glasgow |
Liverpool |
Delta |
| Rent (1-bed median) |
£900 |
£800 |
-11% |
| Transport |
£55 |
£70 |
+27% |
| Council tax |
£148 |
£115 |
-22% |
| Groceries |
£265 |
£260 |
-2% |
| Disposable income remaining |
£1,012 |
£1,139 |
+13% |
Sources: NHS Scotland 2025/26 · Rightmove Q4 2025 · HMRC 2025/26 · Numbeo 2025
Cost-of-living equivalence
Based on a cost-of-living index of 62 for Glasgow
and 62 for Liverpool,
a salary of £37,068 in Glasgow delivers
equivalent purchasing power to £37,050 in Liverpool.
Glasgow £37,068 ≈
£37,050
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
Glasgow
£2.36
Liverpool
£2.36
Transit (single trip)
Glasgow
£1.31
Liverpool
£1.67
Gym membership
Glasgow
£34/mo
Liverpool
£34/mo
Cinema ticket
Glasgow
£9.92
Liverpool
£9.92
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Frequently asked questions
Does a foundation doctor (fy1/fy2) earn more in Glasgow or Liverpool?
+
Glasgow pays a median £37,068 vs £37,068 in Liverpool
— a gross difference of £0.
However, after accounting for rent and living costs, Liverpool professionals
have £107/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 Glasgow vs Liverpool?
+
In Glasgow: gross £37,068 → £2,510/month net take-home.
In Liverpool: gross £37,068 → £2,517/month net take-home.
After paying median 1-bed rent, Glasgow leaves £1,610/month
vs Liverpool's £1,717/month.
What salary in Liverpool matches Glasgow purchasing power?
+
Approximately £37,050 in Liverpool delivers equivalent purchasing power to
£37,068 in Glasgow, based on a cost-of-living index of
62 (Glasgow) vs 62 (Liverpool).
Is Glasgow or Liverpool cheaper to live in?
+
Glasgow and Liverpool have the same cost-of-living index of 62 (London = 100).
Rent in Glasgow averages £900/month (1-bed)
vs £800/month in Liverpool.
What is the rent-to-income ratio for a foundation doctor (fy1/fy2) in Glasgow?
+
A foundation doctor (fy1/fy2) in Glasgow earning £37,068 takes home
£2,510/month. With median 1-bed rent of £900/month,
the rent-to-income ratio is 36%
(stretched).
In Liverpool the equivalent ratio is 32%.