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Software Engineer salary in Manchester

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

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Gross salary
£55,000
avg per year
Take home pay
£3,538
per month
Avg rent/1 bed
£1,050
per month
After rent
£2,488
per month
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Full pay breakdown

Item Annual Monthly
Gross salary £55,000 £4,583
Income tax −£9,432 −£786
National Insurance −£3,111 −£259
Net take-home £42,457 £3,538
Rent (1-bed median) — −£1,050
Council tax (est.) — −£128
Transport cost — −£75
After rent monies left in pocket — £2,488
Rent-to-income ratio: 30%
Rent as a share of net monthly pay
Comfortable

Salary range in Manchester

Salary distribution of Software Engineer earners · ONS ASHE 2025

MEDIAN£55,000P0P25P50P75P100
25th percentile earns
£45,000
Median earnings
£55,000
75th percentile earns
£70,000

Housing affordability

Rent-to-income analysis · Software Engineer in Manchester

70Comfortable30% RTIRent-to-Income
Affordability score
Monthly breakdown
Take-home£3,538
Rent (1-bed)−£1,050
Council tax−£128
Transport−£75
Disposable£2,285
💡 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 Manchester →
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 Software Engineer salary in Manchester? +
The median Software Engineer salary in Manchester is £55,000 per year, based on ONS ASHE 2025 data. The middle 50% of earners fall between £45,000 and £70,000. The UK median for this role across all cities is approximately £54,500.
What is the monthly take-home pay for a Software Engineer in Manchester? +
On a gross salary of £55,000, a Software Engineer in Manchester pays £9,432 in income tax and £3,111 in National Insurance (2025/26 tax year), leaving a net monthly take-home of £3,538.
Can a Software Engineer afford to live in Manchester? +
With take-home pay of £3,538/mo and a median 1-bed rent of £1,050/mo, a Software Engineer in Manchester has £2,488/mo left after rent — a rent-to-income ratio of 30% (comfortable). After council tax (£128/mo) and transport (£75/mo), disposable income is approximately £2,285/mo.

Software Engineer salary in other cities

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Can I afford Manchester on £55,000? Compare: Manchester vs London Standard of living: Software Engineer in Manchester
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