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Software Engineer salary in Liverpool

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

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Gross salary
£52,000
avg per year
Take home pay
£3,393
per month
Avg rent/1 bed
£800
per month
After rent
£2,593
per month
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Full pay breakdown

Item Annual Monthly
Gross salary £52,000 £4,333
Income tax −£8,232 −£686
National Insurance −£3,051 −£254
Net take-home £40,717 £3,393
Rent (1-bed median) — −£800
Council tax (est.) — −£115
Transport cost — −£70
After rent monies left in pocket — £2,593
Rent-to-income ratio: 24%
Rent as a share of net monthly pay
Comfortable

Salary range in Liverpool

Salary distribution of Software Engineer earners · ONS ASHE 2025

MEDIAN£52,000P0P25P50P75P100
25th percentile earns
£42,000
Median earnings
£52,000
75th percentile earns
£65,000

Housing affordability

Rent-to-income analysis · Software Engineer in Liverpool

76Comfortable24% RTIRent-to-Income
Affordability score
Monthly breakdown
Take-home£3,393
Rent (1-bed)−£800
Council tax−£115
Transport−£70
Disposable£2,408
💡 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 Liverpool →
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 Liverpool? +
The median Software Engineer salary in Liverpool is £52,000 per year, based on ONS ASHE 2025 data. The middle 50% of earners fall between £42,000 and £65,000. 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 Liverpool? +
On a gross salary of £52,000, a Software Engineer in Liverpool pays £8,232 in income tax and £3,051 in National Insurance (2025/26 tax year), leaving a net monthly take-home of £3,393.
Can a Software Engineer afford to live in Liverpool? +
With take-home pay of £3,393/mo and a median 1-bed rent of £800/mo, a Software Engineer in Liverpool has £2,593/mo left after rent — a rent-to-income ratio of 24% (comfortable). After council tax (£115/mo) and transport (£70/mo), disposable income is approximately £2,408/mo.

Software Engineer salary in other cities

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Can I afford Liverpool on £50,000? Compare: Liverpool vs London Standard of living: Software Engineer in Liverpool
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