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Software Engineer salary in Exeter

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

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Gross salary
£46,000
avg per year
Take home pay
£3,053
per month
Avg rent/1 bed
£1,000
per month
After rent
£2,053
per month
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Full pay breakdown

Item Annual Monthly
Gross salary £46,000 £3,833
Income tax −£6,686 −£557
National Insurance −£2,674 −£223
Net take-home £36,640 £3,053
Rent (1-bed median) — −£1,000
Council tax (est.) — −£125
Transport cost — −£68
After rent monies left in pocket — £2,053
Rent-to-income ratio: 33%
Rent as a share of net monthly pay
Comfortable

Salary range in Exeter

Salary distribution of Software Engineer earners · ONS ASHE 2025

MEDIAN£46,000P0P25P50P75P100
25th percentile earns
£37,000
Median earnings
£46,000
75th percentile earns
£58,000

Housing affordability

Rent-to-income analysis · Software Engineer in Exeter

67Comfortable33% RTIRent-to-Income
Affordability score
Monthly breakdown
Take-home£3,053
Rent (1-bed)−£1,000
Council tax−£125
Transport−£68
Disposable£1,860
💡 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 Exeter →
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 Exeter? +
The median Software Engineer salary in Exeter is £46,000 per year, based on ONS ASHE 2025 data. The middle 50% of earners fall between £37,000 and £58,000. 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 Exeter? +
On a gross salary of £46,000, a Software Engineer in Exeter pays £6,686 in income tax and £2,674 in National Insurance (2025/26 tax year), leaving a net monthly take-home of £3,053.
Can a Software Engineer afford to live in Exeter? +
With take-home pay of £3,053/mo and a median 1-bed rent of £1,000/mo, a Software Engineer in Exeter has £2,053/mo left after rent — a rent-to-income ratio of 33% (comfortable). After council tax (£125/mo) and transport (£68/mo), disposable income is approximately £1,860/mo.

Software Engineer salary in other cities

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Can I afford Exeter on £45,000? Compare: Exeter vs London Standard of living: Software Engineer in Exeter
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