![Cardiff, WLS — Cost of Living, Housing & Relocation Guide [2026]](/images/cities/cardiff-gb.jpg)
Cardiff, WLS
Wales' capital offers a compact, affordable city with a growing media sector, a stunning waterfront, and easy access to nature.
Below Average vs UK avg (100)
Affordable
Household income
Job market health
Cardiff vs UK Average
Taxes
- Income Tax: 20%
- VAT: 20%
Economy & Jobs
- Median Income: £31,500
- Unemployment: 4.3%
- Population: 362,755
Climate
- Sunny Days: 150/year
- Summer High: 69°F
- Winter Low: 37°F
Housing
- Median Home: £210,000
- 1BR Rent: £875/mo
Cost of Living
Cardiff's cost of living index is 89.2 (UK average = 100).
| Category | Cardiff | National Average | Difference |
|---|---|---|---|
| Overall | 89.2 | 100 | -10.8% |
| Housing | 88.7 | 100 | -11.3% |
Data source: Council for Community and Economic Research (C2ER), 2026
Housing Market
| Metric | Value |
|---|---|
| Median Home Price | £210,000 |
| Median Rent (1BR) | £875/mo |
| Median Rent (2BR) | £1,094/mo |
| Price per Sq Ft | £140 |
Data source: Zillow Research, May 2026
True Cost of Home Ownership
Utilities
Estimated monthly utility costs for a typical household in Cardiff:
| Utility | Estimated Monthly Cost | Notes |
|---|---|---|
| Electricity | £144 | Based on ~900 kWh/month usage |
| Water | £35 | Includes sewer |
| Internet (100+ Mbps) | £30 | Broadband average |
| Garbage / Trash | Included in taxes | Municipal service (covered by property taxes) |
| Total Utilities | £209 | Monthly estimate |
Data sources: U.S. Energy Information Administration (EIA) 2024, EPA/AWWA water rate surveys, BroadbandNow, municipal service directories
Best Neighborhoods
Downtown Cardiff
The heart of the city with restaurants, shops, and entertainment. Average rent: £1,050/mo.
Cardiff Heights
Trendy area with local businesses and a mix of historic and modern housing. Average rent: £963/mo.
East Cardiff
Up-and-coming neighborhood with new developments and young professionals. Average rent: £788/mo.
West Cardiff
Family-friendly area with parks and good schools. Average rent: £831/mo.
Remote Work Score
Cardiff scores 125/100 for remote work readiness:
- Internet Speed: Average 200 Mbps (Good)
- Coworking Spaces: 15+ locations (Good)
- Cost of Living: Low (Good)
- Climate: 150 sunny days/year (Fair)
- Quality of Life: High (Good)
Climate
Cardiff has a varied climate with distinct seasons.
| Month | Avg High | Avg Low | Rainfall |
|---|---|---|---|
| January | 57°F | 37°F | 2.5" |
| April | 54°F | 52°F | 2.8" |
| July | 69°F | 44°F | 1.5" |
| October | 49°F | 55°F | 2.2" |
Taxes
- Income Tax: 20%
- VAT: 20%
- Property Tax: ~0.23% of assessed value
Economy
Major industries include technology, healthcare, education, and manufacturing. The unemployment rate is 4.3%.
Overview
Cardiff is a city in WLS with a population of 362,755. Wales’ capital offers a compact, affordable city with a growing media sector, a stunning waterfront, and easy access to nature.
FAQ
Is cardiff-gb a good place to live?
cardiff-gb offers a strong combination of affordability, job opportunities, and quality of life. Use our cost of living calculator and relocation guides to see if it fits your budget and lifestyle.
What is the cost of living in cardiff-gb?
The cost of living in cardiff-gb varies by neighborhood and lifestyle. Check our detailed cost breakdown above for specific numbers on housing, groceries, utilities, and transportation.
How much do I need to earn to live comfortably in cardiff-gb?
Use our Salary Equivalence Calculator to find out how much you need to earn in cardiff-gb to maintain your current standard of living.
Data Sources
- Cost of living: Council for Community and Economic Research (C2ER)
- Housing data: Zillow Research
- Demographics: US Census Bureau
- Climate: National Oceanic and Atmospheric Administration (NOAA)
- Taxes: Tax Foundation
Last updated: June 30, 2026
Disclaimer: All data on this page is provided for informational purposes only and does not constitute financial, legal, tax, or real estate advice. Cost of living indices, housing prices, tax rates, and other figures are estimates based on publicly available data and may not reflect current market conditions. URCity and Northshore Press are not financial advisors, tax professionals, or real estate agents. Always consult qualified professionals before making relocation or financial decisions.
Frequently Asked Questions
What is the cost of living in Cardiff, WLS?
The cost of living index in Cardiff is 89.2, which is below the UK national average of 100. Residents enjoy lower costs for everyday expenses compared to the national average.
How much does it cost to buy a home in Cardiff?
The median home price in Cardiff is £210,000. The housing index is 88.7, which is below the national average.
What is the average rent for a 1-bedroom apartment?
The average rent for a 1-bedroom apartment in Cardiff is approximately £875/mo.
Does Cardiff, WLS have income tax?
Cardiff is in WLS, which has a income tax rate of 20%.
What is the climate like in Cardiff?
Cardiff enjoys approximately 150 sunny days per year. Summer highs reach around 69°F, while winter lows can drop to around 37°F.
Data Sources
All data on this page is sourced from publicly available datasets and updated regularly. Data sources include:
- Cost of Living: Office for National Statistics (ONS), 2026
- Housing Data: Rightmove, 2026
- Income & Employment: ONS Annual Survey of Hours and Earnings, 2024
- Climate: Met Office
Data last updated: June 30, 2026. Data may not reflect current market conditions. Always verify with local sources before making relocation decisions.