Affordability · Cardiff · 2026

Can I afford Cardiff
on £45,000?

Q: What salary do I need to comfortably afford Cardiff?

To achieve a 33% rent-to-income ratio on a 1-bed flat in Cardiff (£900/month), you need approximately £40,500 gross annual salary. For a shared room (£600/month), the threshold drops to £25,500.

Q: What is the rent-to-income ratio on £45,000 in Cardiff?

On £45,000 in Cardiff, the rent-to-income ratio for a 1-bed flat is 30%. The guideline for comfortable solo living is under 33%.

Comfortably affordable. Rent takes up just 30% of your take-home pay, leaving plenty of room for savings. Net take-home £2,993/month. Average 1-bed rent £900/month — a 30% rent-to-income ratio.

Net monthly

£2,993

after tax & NI

Rent (1-bed)

£900

per month

After rent

£2,093

per month

Comfortable — you can afford this city solo · 30% rent-to-income on £45,000

Three ways to live in Cardiff

Solo · 1-bed city centre

£900/mo

median 1-bed rent

RTI 30% — Comfortable

Disposable after rent £2,093/mo

Shared house · room

£600/mo

median room rent

RTI 20% — Comfortable

Disposable after rent £2,393/mo

Solo · outer Cardiff

£750/mo

outer area 1-bed rent

RTI 25% — Comfortable

Disposable after rent £2,243/mo

What salary do you need?

Gross salary required for 33% rent-to-income in Cardiff

Scenario	Monthly rent	Salary for 33% RTI
Shared room	£600	£25,500
1-bed city centre current	£900	£40,500
1-bed outer Cardiff	£750	£33,000
2-bed flat split 50/50	£450	£18,000

33% RTI is the widely accepted threshold for comfortable solo living · HMRC 2025/26 · Rightmove Q4 2025

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Frequently asked questions

Can I afford to live in Cardiff on £45,000? +

Comfortably affordable. Rent takes up just 30% of your take-home pay, leaving plenty of room for savings. Your net take-home on £45,000 is £2,993/month. With median 1-bed rent of £900/month, you'd have £2,093/month left after rent — a 30% rent-to-income ratio. A shared room at £600/month would reduce that ratio to 20%, leaving £2,393/month disposable.

What salary do I need to comfortably afford Cardiff? +

To keep rent below 33% of take-home pay on a 1-bed flat in Cardiff (average £900/month), you need approximately £40,500 gross annual salary. For a shared room (£600/month), the threshold drops to £25,500. For an outer-area 1-bed (£750/month), you need around £33,000.

Is Cardiff expensive to live in? +

Cardiff has a cost-of-living index of 64 (London = 100) and an average 1-bed rent of £900/month. One of the more affordable major UK cities. Council tax averages £132/month and transport £50/month.

What is the rent-to-income ratio on £45,000 in Cardiff? +

On £45,000 in Cardiff, net take-home is £2,993/month. With median 1-bed rent of £900/month, the rent-to-income ratio is 30%. The widely accepted guideline for comfortable solo living is under 33%. For a shared room the ratio falls to 20%; for an outer-area 1-bed to 25%.

Can I afford Cardiffon £45,000?