Comparison

Cardiff vs Birmingham

Renting in Cardiff costs £71/month more than Birmingham.

Wales  vs  West Midlands, England

Average rent
Cardiff
£1,157/mo
Birmingham
£1,086/mo
Lower
£71 difference
Average earnings
Cardiff
£32,756/yr
Higher
Birmingham
£30,180/yr
£2,576 difference
Average house price
Cardiff
£266,000
Birmingham
£235,000
£31,000 (13%)

Rent comparison

Bedrooms
Cardiff
Overall
£1,157/mo
£1,086/mo
1 Bed
£894/mo
£821/mo
2 Bed
£1,068/mo
£992/mo
3 Bed
£1,186/mo
£1,119/mo
4+ Bed
£1,680/mo
£1,563/mo

Overall, renting in Birmingham is £71/month cheaper than Cardiff - that's £852/year.

Source: ONS Price Index of Private Rents (PIPR)

Earnings comparison

Cardiff - average
£32,756/yr
Birmingham - average
£30,180/yr

Residents of Cardiff earn £2,576/year more than those in Birmingham.

Affordability insight
Cardiff
42%
of gross earnings on rent
Birmingham
43%
of gross earnings on rent

Source: ONS Annual Survey of Hours and Earnings

House prices comparison

Property type
Cardiff
Average
£266,000
£235,000
Detached
£445,000
£446,453
Semi-detached
£310,000
£262,000
Terraced
£260,000
£215,000
Flat
£165,000
£158,750

House prices in Cardiff are £31,000 (13%) higher than in Birmingham.

Over the last 10 years, house prices in Cardiff have risen by 56.5%, compared to 65.5% in Birmingham.

Source: ONS / HM Land Registry

Council tax comparison

Cardiff - Band D
£2,013/yr
Birmingham - Band D
£2,363/yr

You would pay £350/year more in council tax (Band D) living in Birmingham than in Cardiff.

Band
Cardiff
Band A
£1,342
£1,575
Band B
£1,566
£1,838
Band C
£1,789
£2,100
Band D
Benchmark
£2,013
£2,363
Band E
£2,461
£2,888
Band F
£2,908
£3,413
Band G
£3,355
£3,938
Band H
£4,026
£4,726
Band I
£4,697
N/A

Source: MHCLG / Scottish Government / Welsh Government

Band D is used as the standard benchmark for comparing council tax across areas. Other bands are set as fixed proportions of the Band D amount.

Energy comparison

Cardiff
Annual
£1,641
£1,641
Monthly
£137
£137
Energy region
South Wales
West Midlands

Energy estimates are based on the Ofgem price cap, which is set nationally. Regional variation is small; we show the same headline figure across regions for transparency.

Source: Ofgem Energy Price Cap, Q2 2026

Water comparison

Cardiff
Annual
£627
£594
Monthly
£52
£50
Water company
Dwr Cymru Welsh Water
Severn Trent Water

Water in Cardiff costs about £33/year more than in Birmingham.

Source: Water UK / Discover Water, 2026-27

Water company boundaries don't always align cleanly with local authority boundaries; the company shown here is the most common provider in each area.

Crime comparison

Cardiff
968/10k
#247 of 303
Birmingham
1,141/10k
#281 of 303
Crime type
Cardiff
Overall crime rate
968 /10k
1,141 /10k
Violence & sexual
342 /10k
510 /10k
Burglary
37 /10k
57 /10k
Theft
321 /10k
326 /10k
Criminal damage
81 /10k
89 /10k
Drug offences
41 /10k
40 /10k
Public order
112 /10k
69 /10k

Cardiff has a lower crime rate than Birmingham, with 968 vs 1,141 recorded crimes per 10,000 people.

Source: Home Office / Scottish Government recorded crime

Recording practices vary between police forces. Crime rates reflect reported and recorded crime only.

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Data on this page is sourced from: ONS Price Index of Private Rents (PIPR), Scottish Government Private Sector Rent Statistics, ONS Annual Survey of Hours and Earnings, ONS / HM Land Registry House Price Statistics, MHCLG / Scottish Government / Welsh Government council tax data, Ofgem Energy Price Cap, and Water UK / Discover Water. All official data is published under the Open Government Licence.