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Software Engineer salary in Oxford

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

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Gross salary
£65,000
avg per year
Take home pay
£4,021
per month
Avg rent/1 bed
£1,450
per month
After rent
£2,571
per month
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Full pay breakdown

Item Annual Monthly
Gross salary £65,000 £5,417
Income tax −£13,432 −£1,119
National Insurance −£3,311 −£276
Net take-home £48,257 £4,021
Rent (1-bed median) — −£1,450
Council tax (est.) — −£155
Transport cost — −£80
After rent monies left in pocket — £2,571
Rent-to-income ratio: 36%
Rent as a share of net monthly pay
Stretched

Salary range in Oxford

Salary distribution of Software Engineer earners · ONS ASHE 2025

MEDIAN£65,000P0P25P50P75P100
25th percentile earns
£52,000
Median earnings
£65,000
75th percentile earns
£81,000

Housing affordability

Rent-to-income analysis · Software Engineer in Oxford

64Stretched36% RTIRent-to-Income
Affordability score
Monthly breakdown
Take-home£4,021
Rent (1-bed)−£1,450
Council tax−£155
Transport−£80
Disposable£2,336
💡 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 Oxford →
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 Oxford? +
The median Software Engineer salary in Oxford is £65,000 per year, based on ONS ASHE 2025 data. The middle 50% of earners fall between £52,000 and £81,000. 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 Oxford? +
On a gross salary of £65,000, a Software Engineer in Oxford pays £13,432 in income tax and £3,311 in National Insurance (2025/26 tax year), leaving a net monthly take-home of £4,021.
Can a Software Engineer afford to live in Oxford? +
With take-home pay of £4,021/mo and a median 1-bed rent of £1,450/mo, a Software Engineer in Oxford has £2,571/mo left after rent — a rent-to-income ratio of 36% (stretched). After council tax (£155/mo) and transport (£80/mo), disposable income is approximately £2,336/mo.

Software Engineer salary in other cities

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