Frequently Asked Questions
Is £32,000 a good software engineer salary in Cardiff?
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£32,000 is the entry-level software engineer salary in Cardiff, representing 70% of the median (£46,000).
Net take-home is £2,213/month after tax and NI.
Rent-to-income is 41% — tight.
At 5% above the Cardiff all-worker median of £30,500, this is a competitive salary for the city.
What is the average software engineer salary in Cardiff?
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The median Cardiff software engineer salary is £46,000 (ONS 2025).
The lower quartile (P25) is £37,000 and the upper quartile (P75) is £57,000.
Entry-level roles typically start around £32,000,
while senior professionals reach £64,500.
How much can a software engineer in Cardiff save each month?
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On £32,000 in Cardiff, after rent (£900/mo), council tax (£132/mo),
transport (£50/mo) and groceries & utilities (£388/mo),
estimated monthly savings capacity is approximately £403/month.
What is the rent-to-income ratio for a software engineer in Cardiff?
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On £32,000 in Cardiff, the rent-to-income ratio for a 1-bed flat is 41%.
The guideline for comfortable solo living is under 33%.
To achieve a 33% RTI on a Cardiff 1-bed (£900/mo),
you need approximately £32,500 gross annual salary.