Winner on purchasing power
Liverpool
After paying rent, a foundation doctor (fy1/fy2) in Liverpool retains
£50/month more than in Nottingham —
that's £600/year extra in purchasing power.
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
Nottingham
View full breakdown →
Gross salary
£37,068
Net monthly
£2,517
Rent (1-bed)
£850
Rent-to-income
34% — Stretched
After rent
£1,667
Liverpool vs Nottingham: what the £50/month gap means for a foundation doctor (fy1/fy2)
On paper, Liverpool foundation doctor (fy1/fy2) roles pay £0/year
more than Nottingham. But take-home after tax and National Insurance tells a
different story — Liverpool workers keep £2,517/month versus
£2,517/month in Nottingham.
The bigger picture is after rent. Average Liverpool rent runs £800/month
versus £850/month in Nottingham. Once housing costs are factored in,
Liverpool workers have £1,717/month
disposable income versus £1,667/month in Nottingham —
that is £600/year in real spending power.
Liverpool's rent-to-income ratio of 32%
compares favourably to Nottingham's 34%.
Monthly cost comparison
All figures monthly · 2025/26
| Category |
Liverpool |
Nottingham |
Delta |
| Rent (1-bed median) |
£800 |
£850 |
+6% |
| Transport |
£70 |
£58 |
-17% |
| Council tax |
£115 |
£118 |
+3% |
| Groceries |
£260 |
£260 |
0% |
| Disposable income remaining |
£1,139 |
£1,098 |
-4% |
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 62 for Liverpool
and 63 for Nottingham,
a salary of £37,068 in Liverpool delivers
equivalent purchasing power to £37,650 in Nottingham.
Liverpool £37,068 ≈
£37,650
in Nottingham
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
Liverpool
£2.36
Nottingham
£2.39
Transit (single trip)
Liverpool
£1.67
Nottingham
£1.38
Gym membership
Liverpool
£34/mo
Nottingham
£35/mo
Cinema ticket
Liverpool
£9.92
Nottingham
£10.08
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Frequently asked questions
Does a foundation doctor (fy1/fy2) earn more in Liverpool or Nottingham?
+
Liverpool pays a median £37,068 vs £37,068 in Nottingham
— a gross difference of £0.
However, after accounting for rent and living costs, Liverpool professionals
have £50/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 Liverpool vs Nottingham?
+
In Liverpool: gross £37,068 → £2,517/month net take-home.
In Nottingham: gross £37,068 → £2,517/month net take-home.
After paying median 1-bed rent, Liverpool leaves £1,717/month
vs Nottingham's £1,667/month.
What salary in Nottingham matches Liverpool purchasing power?
+
Approximately £37,650 in Nottingham delivers equivalent purchasing power to
£37,068 in Liverpool, based on a cost-of-living index of
62 (Liverpool) vs 63 (Nottingham).
Is Liverpool or Nottingham cheaper to live in?
+
Liverpool is cheaper overall, with a cost-of-living index of 62 vs 63 for Nottingham (London = 100).
Rent in Liverpool averages £800/month (1-bed)
vs £850/month in Nottingham.
What is the rent-to-income ratio for a foundation doctor (fy1/fy2) in Liverpool?
+
A foundation doctor (fy1/fy2) in Liverpool earning £37,068 takes home
£2,517/month. With median 1-bed rent of £800/month,
the rent-to-income ratio is 32%
(comfortable).
In Nottingham the equivalent ratio is 34%.