MCR.CITY sourced budgets
Your Manchester month
Start with take-home pay, rent and council tax. Keep the unknown costs visible.
Rent updated for July 2026. Tax and council tax use 2026/27 rates.
The answer before the calculator
A worked Manchester monthly budget
On a £32,000 salary, the illustrated take-home pay is £2,213.30 a month. A one-bedroom home in Manchester averaged £998.00 a month in July 2026. Band B council tax for a two-adult dwelling is £1,798.25 a year, or £149.85 when divided across twelve months.
Those two housing lines total £1,147.85 a month and leave £1,065.45 from the illustrated take-home pay. That remainder is not disposable income. Energy, water, food, transport, broadband, insurance, pension contributions and any loan repayments are not included.
The council boundary matters. Manchester, Salford, Trafford and Stockport publish different council-tax figures, and ONS reports rent for each local authority rather than for neighbourhoods. Pick the council for the address, not the place name used in an advert.
| Council | All homes | 1 bed | 2 bed | 3 bed | 4 or more |
|---|---|---|---|---|---|
| Bolton | £884.00 | £647.00 | £806.00 | £978.00 | £1,434.00 |
| Bury | £969.00 | £686.00 | £888.00 | £1,064.00 | £1,559.00 |
| Manchester | £1,365.00 | £998.00 | £1,227.00 | £1,425.00 | £2,005.00 |
| Oldham | £931.00 | £694.00 | £868.00 | £1,054.00 | £1,437.00 |
| Rochdale | £844.00 | £614.00 | £789.00 | £948.00 | £1,360.00 |
| Salford | £1,167.00 | £886.00 | £1,082.00 | £1,284.00 | £1,766.00 |
| Stockport | £1,111.00 | £807.00 | £1,029.00 | £1,257.00 | £1,734.00 |
| Tameside | £927.00 | £682.00 | £881.00 | £1,058.00 | £1,396.00 |
| Trafford | £1,367.00 | £943.00 | £1,200.00 | £1,480.00 | £2,103.00 |
| Wigan | £745.00 | £541.00 | £698.00 | £836.00 | £1,142.00 |
Use your figures
Build the known housing part
This calculation works on the server. It still returns a complete answer when JavaScript is off.
32,000 gross, Manchester, 1 bedroom, Band B
This is an illustration, not a payslip or a quote. It excludes pension contributions, student-loan repayments, benefits, salary sacrifice, energy, water, food, transport, broadband, insurance and every other cost.
Dated sources
Where every figure comes from
All four sources were read and re-verified on 20 August 2026. Crown copyright material is used under the Open Government Licence v3.0.
- 1Office for National StatisticsPrivate rent and house prices, UK: August 2026, local authority data for July 2026Read 20 August 2026. Open Government Licence v3.0.
- 2Ministry of Housing, Communities and Local GovernmentCouncil Tax levels set by local authorities in England 2026 to 2027, Table 9Read 20 August 2026. Open Government Licence v3.0.
- 3HM Revenue & CustomsIncome Tax rates and allowances for 2026 to 2027Read 20 August 2026. Open Government Licence v3.0.
- 4HM Revenue & CustomsRates and thresholds for employers 2026 to 2027, employee Class 1 National InsuranceRead 20 August 2026. Open Government Licence v3.0.