Is £25k a good salary in Swansea?
On £25k in Swansea, take-home is around £1,793 per month. After essentials of £1,653, you're left with £140 — a Reality Score of 50/100 (stable). For more context, see the full cost of living in Swansea guide.
Is £25k enough to live in Swansea?
On a £25k salary in Swansea, most people are doing better than they feel — but only just. On £25k in Swansea, take-home is £1,793/month and essentials run £1,653 — leaving £140 disposable. We model a single renter using public transport.
Take-home pay
£1,793
per month
Essentials cost
£1,653
per month
Disposable left
£140
Reality Score 50/100
Reality verdictStable
£25k balances the books in Swansea — bills are manageable, but big-ticket goals will need planning.
Based on current UK tax rules and city cost benchmarks. Updated regularly.
What £25k actually buys you in Swansea
London is the UK's most expensive city to live in, with rent typically the single biggest factor in any budget. Housing is the dominant pressure point — most other categories (food, bills, transport passes) sit only 10–20% above the UK average.
On £25k, your take-home pay is roughly £1,793 every month after income tax and National Insurance. Essential monthly costs add up to about £1,653, leaving you with £140 of disposable income — a Reality Score of 50/100 (Stable).
Curious how this changes elsewhere? See what life looks like on £35k in Swansea.
Monthly cost breakdown
Indicative averages for a single renter in Swansea.
- Rent / housing
- £750
- Bills (utilities, council tax, internet)
- £378
- Food & groceries
- £255
- Transport
- £65
- Lifestyle & misc
- £205
- Total essentials
- £1,653
50/ 100
Stable
Reality Score weighs take-home pay against essentials and any savings commitment to gauge how sustainable the setup is.
What this means
Stable. Your essentials are covered, with some room left over — though savings progress may be slow.
What this actually means
- Housing eats 42% of your take-home in Swansea — well above the 30% healthy benchmark. A cheaper area or a flatmate would unlock real breathing room.
- With only £140 left after essentials, a single unexpected bill could push you into the red. Build a starter buffer first.
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Take-home / mo
£1,793
Total costs / mo
£1,653
Disposable / mo
£140
Reality Score for this scenario: 50/100 — Stable
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Frequently asked questions
What's the take-home pay on £25k in the UK?
After UK 2024/25 income tax and National Insurance, £25k works out to roughly £1,793 per month, or £21,516 per year. The same take-home applies wherever you live in the UK — what changes is how far it stretches once rent, bills and transport are paid.
How much disposable income does £25k leave in Swansea?
Modelled as a single renter on public transport, £25k in Swansea leaves about £140 per month after rent, bills, food and transport. Switching to a flatshare or moving outside zone 1 can lift that meaningfully.
How does Swansea compare to other UK cities on £25k?
Rent is the single biggest swing factor. You can browse all UK cost-of-living guides to see where £25k stretches furthest.
What if I earn more or less than £25k in Swansea?
Your essentials don't move much with salary — what changes is the surplus. Compare with £35k in Swansea to see exactly how the disposable figure shifts.
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Last updated: April 2026See how we calculate this
These figures are estimates and may vary based on individual circumstances.
- Based on UK cost benchmarks
- Updated regularly
- Indicative estimates, not financial advice