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Data Scientist salary in Cardiff

2025/26 tax year · ONS ASHE 2025 · 1-bed median rent

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Gross salary
£44,000
avg per year
Take home pay
£2,933
per month
Avg rent/1 bed
£900
per month
After rent
£2,033
per month
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Full pay breakdown

Item Annual Monthly
Gross salary £44,000 £3,667
Income tax −£6,286 −£524
National Insurance −£2,514 −£210
Net take-home £35,200 £2,933
Rent (1-bed median) — −£900
Council tax (est.) — −£132
Transport cost — −£50
After rent monies left in pocket — £2,033
Rent-to-income ratio: 31%
Rent as a share of net monthly pay
Comfortable

Salary range in Cardiff

Salary distribution of Data Scientist earners · ONS ASHE 2025

MEDIAN£44,000P0P25P50P75P100
25th percentile earns
£35,000
Median earnings
£44,000
75th percentile earns
£55,000

Housing affordability

Rent-to-income analysis · Data Scientist in Cardiff

69Comfortable31% RTIRent-to-Income
Affordability score
Monthly breakdown
Take-home£2,933
Rent (1-bed)−£900
Council tax−£132
Transport−£50
Disposable£1,851
💡 Aim for rent ≤ 30% of gross income
Rent-to-Income (RTI) scale
0% = no rent · 100% = all income on rent
04070100
Comfortable
Moderate
High Risk
Full affordability breakdown for Cardiff →
Recommendations
More in Your Wallet
Your RTI is healthy. Consider maximising pension contributions or saving 15–20% of take-home.
piggybank
Grow your savings
With solid affordability, ISAs or investment accounts can put your cushion to work.
Consider buying a house
Your affordability profile may support a mortgage application in this area.

Frequently asked questions

What is the average Data Scientist salary in Cardiff? +
The median Data Scientist salary in Cardiff is £44,000 per year, based on ONS ASHE 2025 data. The middle 50% of earners fall between £35,000 and £55,000. The UK median for this role across all cities is approximately £52,500.
What is the monthly take-home pay for a Data Scientist in Cardiff? +
On a gross salary of £44,000, a Data Scientist in Cardiff pays £6,286 in income tax and £2,514 in National Insurance (2025/26 tax year), leaving a net monthly take-home of £2,933.
Can a Data Scientist afford to live in Cardiff? +
With take-home pay of £2,933/mo and a median 1-bed rent of £900/mo, a Data Scientist in Cardiff has £2,033/mo left after rent — a rent-to-income ratio of 31% (comfortable). After council tax (£132/mo) and transport (£50/mo), disposable income is approximately £1,851/mo.

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Can I afford Cardiff on £45,000? Compare: Cardiff vs London Standard of living: Data Scientist in Cardiff
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