Cardiff, UK
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
- State Income Tax: 20.0%
- Sales Tax: 20.0%
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
- Farming Zone: USDA Zone 6a
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: Office for National Statistics (ONS), 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: Rightmove, 2026
True Cost of Home Ownership
Utilities
Estimated monthly utility costs for a typical household in Cardiff:
| Utility | Estimated Monthly Cost | Notes |
|---|---|---|
| Electricity | £180 | Based on ~2,900 kWh/year typical UK household usage |
| Heating & Cooling | £77 | Estimated based on local climate. |
| Cooling (AC) | N/A | Estimated based on local climate and electricity rates |
| Water | £45 | Includes sewer |
| Internet (100+ Mbps) | £35 | Broadband average |
| Garbage / Trash | Included in taxes | Municipal service (covered by property taxes) |
| Total Utilities | £337 | Monthly estimate (including heating & cooling) |
Data sources: Ofgem, UK Energy Statistics 2024, Water UK, Ofcom
Remote Work Score
Cardiff scores —/100 for remote work readiness:
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" |
Cool to mild — apples, pears, berries, many vegetables
Natural Hazards
Cardiff faces the following natural hazards:
River and coastal flooding.
The UK experiences occasional tornadoes.
UK experiences winter storms.
Based on historical records and geographic risk assessment.
Taxes
- State Income Tax: 20%
- Sales Tax: 20%
- Property Tax: ~0.2% of assessed value
Economy & Jobs
Major industries include technology, healthcare, education, and manufacturing. The unemployment rate is 4.3%.
Crime & Safety
Crime rates in Cardiff per 100,000 residents:
Crime data is based on police-recorded offences within a 1-mile radius of the city center. Annual rates are estimated from monthly data.
Data source: UK Police Data
Schools & Education
Academic Schedule
Half-term breaks of 1 week in October, February, and May. Scotland has a different calendar.
Universities & Higher Education
Data source: Center for World University Rankings (CWUR) & World Universities Database
Important Disclaimer: All data on this page is for informational purposes only and does not constitute financial, legal, tax, or real estate advice. 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, UK?
The cost of living index in Cardiff is 89.2, which is Lower the UK national average of 100.
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.
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 an 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
- Cost of Living: Office for National Statistics (ONS), 2026
- Housing Data: Rightmove, 2026
- Income & Employment: ONS Annual Survey of Hours and Earnings, 2024
- Utilities Ofgem, UK Energy Statistics 2024, Water UK, Ofcom
Data last updated: August 12, 2026. Data may not reflect current market conditions. Always verify with local sources before making relocation decisions.