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Software Engineer salary in Cambridge

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

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Gross salary
£68,000
avg per year
Take home pay
£4,166
per month
Avg rent/1 bed
£1,500
per month
After rent
£2,666
per month
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Full pay breakdown

Item Annual Monthly
Gross salary £68,000 £5,667
Income tax −£14,632 −£1,219
National Insurance −£3,371 −£281
Net take-home £49,997 £4,166
Rent (1-bed median) — −£1,500
Council tax (est.) — −£155
Transport cost — −£75
After rent monies left in pocket — £2,666
Rent-to-income ratio: 36%
Rent as a share of net monthly pay
Stretched

Salary range in Cambridge

Salary distribution of Software Engineer earners · ONS ASHE 2025

MEDIAN£68,000P0P25P50P75P100
25th percentile earns
£54,000
Median earnings
£68,000
75th percentile earns
£85,000

Housing affordability

Rent-to-income analysis · Software Engineer in Cambridge

64Stretched36% RTIRent-to-Income
Affordability score
Monthly breakdown
Take-home£4,166
Rent (1-bed)−£1,500
Council tax−£155
Transport−£75
Disposable£2,436
💡 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 Cambridge →
Recommendations
Trim discretionary spend
Review subscriptions and variable costs to improve your monthly surplus.
Target a pay rise
A 10% salary increase would meaningfully improve your RTI and monthly headroom.
House-sharing option
Splitting a 2-bed could bring your rent share well below the 30% threshold.

Frequently asked questions

What is the average Software Engineer salary in Cambridge? +
The median Software Engineer salary in Cambridge is £68,000 per year, based on ONS ASHE 2025 data. The middle 50% of earners fall between £54,000 and £85,000. 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 Cambridge? +
On a gross salary of £68,000, a Software Engineer in Cambridge pays £14,632 in income tax and £3,371 in National Insurance (2025/26 tax year), leaving a net monthly take-home of £4,166.
Can a Software Engineer afford to live in Cambridge? +
With take-home pay of £4,166/mo and a median 1-bed rent of £1,500/mo, a Software Engineer in Cambridge has £2,666/mo left after rent — a rent-to-income ratio of 36% (stretched). After council tax (£155/mo) and transport (£75/mo), disposable income is approximately £2,436/mo.

Software Engineer salary in other cities

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