UK Salary Benchmarks & Comparisons

Average Salary in Cardiff 2026 — Welsh Capital Earnings Guide

What is the average salary in Cardiff in 2026? Full breakdown of Cardiff pay by sector, cost of living comparison, housing affordability, and how the Welsh capital compares to other UK cities for your career.

Salary and income data is based on ONS and other official UK statistical sources. Figures are averages and may not reflect your individual circumstances.

Cardiff is Wales’s capital and largest city, offering a growing economy with some of the UK’s most affordable living costs. Here’s the salary picture for 2026.

For the broader comparison across professions, sectors and regional pay across the UK, see our Salary by Profession hub.

Cardiff Salary Overview

MeasureCardiffWales AverageUK AverageLondon
Mean full-time~£34,000~£31,500~£39,000~£50,000
Median full-time~£31,000~£29,000~£35,000~£45,000
Graduate starting~£22,000-£26,000~£20,000-£24,000~£26,000-£30,000~£28,000-£38,000

Average Salary by Sector

SectorCardiff AverageUK Average
Financial Services / Insurance£35,000-£50,000£45,000-£60,000
Technology£32,000-£48,000£40,000-£55,000
Legal£30,000-£48,000£35,000-£55,000
Media / Broadcasting£28,000-£42,000£35,000-£50,000
Welsh Government / Public Sector£28,000-£45,000£30,000-£48,000
Healthcare (NHS Wales)£26,000-£42,000£28,000-£45,000
Education£26,000-£38,000£28,000-£42,000
Construction£28,000-£42,000£30,000-£48,000
Hospitality / Tourism£20,000-£26,000£22,000-£30,000

Cost of Living

ExpenseCardiffBristolLondonSaving vs London
1-bed flat rent£550-£750£800-£1,100£1,300-£1,80055-60%
3-bed house rent£800-£1,100£1,200-£1,600£1,800-£2,80055-60%
Average house price~£250,000~£320,000~£530,00053%
Monthly bus pass~£55-£65~£60-£75£150+60%
Council tax (Band D)~£1,550~£2,100~£1,700Similar/lower

Real Purchasing Power

Cardiff SalaryLondon Equivalent (lifestyle)
£25,000~£37,000
£30,000~£43,000
£35,000~£48,000
£42,000~£57,000

Cardiff offers excellent value — a £30,000 salary here buys a lifestyle comparable to over £40,000 in London.

Major Employers

EmployerSectorNotes
Welsh GovernmentPublic sectorMajor employer, Cathays Park campus
NHS Wales / Cardiff & Vale UHBHealthcareLargest health board in Wales
BBC WalesMediaBroadcasting, drama production
S4CMediaWelsh-language broadcasting
Admiral GroupInsuranceHeadquarters, FTSE 100
Principality Building SocietyFinancial servicesHQ in Cardiff
Cardiff UniversityEducationRussell Group university
Legal & GeneralFinancial servicesMajor presence
DVLAPublic sectorNearby in Swansea
Companies HousePublic sectorCrown Way, Cardiff

Cardiff vs Bristol

Bristol is just 45 minutes away — many people compare the two for career moves.

FactorCardiffBristol
Median salary~£31,000~£35,000
Average house price~£250,000~£320,000
1-bed rent£550-£750£800-£1,100
Tech sceneGrowingEstablished
Culture / lifestyleExcellentExcellent
Welsh language advantageYesNo
After-housing purchasing powerSimilarSimilar

Buying a Home in Cardiff

SalaryMax Mortgage (4.5x)With 10% DepositWhat You Can Buy
£25,000£112,500£125,0001-bed flat
£30,000£135,000£150,0001-2 bed flat/house
£35,000£157,500£175,0002-bed house, most areas
£42,000£189,000£210,0003-bed house
£55,000 joint£247,500£275,0003-4 bed, good areas (Pontcanna, Rhiwbina)

Cardiff has some of the best housing affordability among UK capital cities.

Wales-Specific Benefits

Working in Wales comes with some distinct advantages:

  • Free prescriptions — no NHS prescription charges in Wales
  • Council Tax Reduction Scheme — more generous than most English councils
  • Free school meals — being rolled out to all primary school children
  • Help to Buy Wales — separate](/mortgages/rates/best-mortgage-rates/) scheme with Welsh Government backing
  • Welsh language skills premium — bilingual roles often pay 5-10% more in public and media sectors

Cardiff Salaries by Sector

Cardiff’s economy is strongly public-sector oriented, but a growing private sector brings competitive private-market salaries:

SectorKey employersTypical salary range
Financial servicesAdmiral Group, Legal & General, HSBC (Cardiff)£28,000–£90,000
Public sector / Welsh GovernmentWelsh Government, Senedd staff, Cardiff Council£22,000–£75,000
NHS WalesCardiff and Vale UHB (CAVUHB)£23,000–£115,000
TechnologyDeloitte Digital Cardiff, Vizolution, Yolk Recruitment£30,000–£90,000
Broadcasting & creativeBBC Wales, S4C, Boom Cyfyngedig£25,000–£70,000
LegalBlake Morgan, Hugh James, Darwin Gray£25,000–£85,000
EducationCardiff University, Cardiff Met£25,000–£70,000

Housing Affordability in Cardiff

Cardiff house prices are higher than other Welsh cities but significantly cheaper than Bristol across the Severn Bridge:

LocationAverage house price (2025)Notes
Cardiff city centre£220,000–£280,000Mix of flats and townhouses
Pontcanna / Canton£320,000–£500,000Cardiff’s most sought-after areas
Roath / Splott£220,000–£320,000Popular with young professionals
Penarth (commuter)£300,000–£500,000Coastal, 10 min by train
Newport£180,000–£260,00025 min train, much cheaper
Barry£200,000–£290,000Coastal town, 30 min train
Caerphilly£160,000–£220,000Very affordable, 20 min to Cardiff

For someone on Cardiff’s median salary of around £30,000, a 4.5x mortgage gives £135,000 — making buying in Cardiff on a single income challenging. A dual-income household on combined £60,000 can realistically afford homes up to £300,000, covering much of the city.

Cardiff’s Economic Identity: Wales vs England Divide

A critical element of Cardiff’s salary landscape is the gap between public sector and private sector pay:

  • Public sector (Welsh Government, NHS, local authorities) accounts for approximately 30% of Cardiff employment, above the UK average of 17%
  • Admiral Group is Cardiff’s largest private employer outside health and public administration, employing 6,500+ in the city
  • Cardiff Bay regeneration continues to attract financial services and media companies; BBC Wales base at Central Square has attracted ancillary creative businesses
  • The Compound Semiconductor Cluster in Newport/Cardiff — supported by Welsh Government investment — is a growing source of high-tech engineering and science jobs paying £35,000–£65,000

Welsh Language Premium

Bilingual roles in public sector, broadcasting, and education in Wales typically pay a Welsh language supplement of 5–10%. For roles where Welsh is essential (not just desirable), the premium can be higher. This applies particularly in:

  • Senedd/Welsh Government
  • S4C and BBC Cymru Wales
  • Welsh-medium education
  • Some NHS Wales patient-facing roles

Sources

  1. ONS — Annual Survey of Hours and Earnings (ASHE)