Moving to Cardiff

Moving costs to Cardiff

Moving to a new city is an exciting journey, but it also comes with financial considerations. The cost of relocating to Cardiff depends on several factors, including:

• Distance: The further you move, the higher the transportation costs.
• Volume of belongings: Larger moves with more furniture or belongings may require a bigger van or multiple trips, increasing costs.
• Type of moving service: Full-service movers, DIY moving options and specialized international moving companies all come at different price points.
• Extra services: Packing, storage and insurance can add to the overall cost.

At Henneken Removals, we specialize in international moves to the UK, including Cardiff. With over 150 years of experience, we provide reliable and stress-free relocation services. To get an accurate estimate for your move, you can request a free, no-obligation quote tailored to your needs.

Cost of living in Cardiff

One of the key advantages of living in Cardiff compared to other UK cities is its affordability. Cardiff offers a comfortable lifestyle at a reasonable price, whether you’re renting an apartment, buying groceries or enjoying a night out, the cost of living here is significantly lower than in cities like London, Newport or Bristol.

To give you a better idea of the average expenses in Cardiff, here’s a breakdown of some common costs:

Taxes in Cardiff

When moving to Cardiff, you’ll need to account for several taxes. These taxes help fund essential public services and vary depending on your income, property and purchases. Below is a brief overview of what to expect.

Council tax

Council Tax is a local property tax that helps fund public services like waste collection and emergency services. The amount depends on your property’s valuation band, ranging from A (lowest) to H (highest). Discounts apply for single-person households, students and certain low-income residents.

Income tax

Income Tax is deducted from your salary based on a tiered system, with a tax-free personal allowance of £12,570 per year. Higher earners pay increased rates and self-employed individuals must submit tax returns annually. 

Value added tax (VAT)

VAT is set at 20% for most goods and services, though some essentials like groceries and children’s clothing are taxed at a lower rate or exempt. It’s automatically included in retail prices and businesses exceeding a turnover threshold must register and charge VAT.

National insurance contributions

NICs fund public services like the NHS, pensions and social security. Employees have NICs deducted directly from their wages, while self-employed individuals pay through the Self-Assessment system. The amount you pay depends on your income and employment status.

Gas, water & electricity in Cardiff

On average, you can expect to pay around £150 per month for gas, water and electricity in Cardiff. However, these costs can fluctuate depending on your energy consumption, the size of your home and seasonal changes. Winters in Wales can be chilly, meaning heating costs may be higher in colder months.

To keep utility bills manageable, many residents choose energy-efficient appliances, use smart meters and explore green energy providers that offer better rates. If you’re renting, it’s always worth checking whether your bills are included in your rent or if you need to set up accounts with local utility providers.

Facilities & services in Cardiff

Cardiff is well-equipped with essential services, making it an ideal place to live, work and raise a family. The city boasts highly regarded universities, top-tier medical facilities and excellent shopping centers, ensuring that all your needs are covered.

For students and academics, Cardiff University is one of the UK’s leading institutions, known for its research excellence and diverse student population. In terms of healthcare, the University Hospital of Wales is the largest hospital in the country, providing comprehensive medical services.

When it comes to shopping and everyday conveniences, St David’s Shopping Centre is the city’s retail hub, offering a mix of high-street brands, luxury boutiques and restaurants. Alongside this, Cardiff has a range of supermarkets, independent grocers and farmers’ markets, making it easy to find fresh and affordable produce.

Public transport & connectivity

Cardiff has a well-connected public transport system, making it easy to navigate the city and surrounding areas. The bus network is extensive, with regular routes covering all major districts. The Cardiff Central railway station connects the city to other parts of the UK, including London (2 hours by train), Bristol (50 minutes) and Birmingham (2 hours and 20 minutes).

For those who prefer cycling, Cardiff is becoming increasingly bike-friendly, with dedicated cycle lanes and rental bike schemes available. Parking can be limited in the city center, so many residents opt for public transport or walking to get around.

Employment & career opportunities in Cardiff

Cardiff has a diverse and growing job market, making it an attractive place for professionals across various industries. Some of the key sectors driving employment in the city include healthcare, technology, tourism, hospitality and media.

The University Hospital of Wales is one of the largest employers in the city, offering opportunities in healthcare, research and administration. BBC Wales, headquartered in Cardiff, is a major hub for the media industry, providing jobs in broadcasting, journalism and digital content creation. The technology sector is also booming, with companies like Amazon offering employment in logistics, e-commerce and tech innovation. Meanwhile, the city’s hospitality and tourism industry thrives due to Cardiff’s popularity as a visitor destination, creating opportunities in hotels, restaurants and event management.

Things to do in Cardiff

Cardiff is a city full of history, culture and entertainment, offering something for everyone. Whether you enjoy exploring historical sites, attending live events, or immersing yourself in Welsh heritage, Cardiff has a vibrant mix of attractions to keep you engaged.

• Must-See Landmarks & Attractions: For history lovers, Cardiff Castle is a must-visit. Located in the heart of the city, this medieval fortress showcases Roman ruins, Gothic architecture and Victorian interiors, giving visitors a glimpse into Cardiff’s rich past. Just outside the city, Castell Coch offers a fairytale-like experience, nestled in lush woodlands with stunning turrets and intricate interior designs. A short drive away, Caerphilly Castle stands as one of the largest fortresses in Britain, featuring massive stone walls and a leaning tower that rivals Pisa. If you’re looking for a more interactive historical experience, St. Fagans National Museum of History is a fantastic open-air museum where you can explore traditional Welsh cottages, workshops and historic farmsteads.
• Annual Events & Festivals: Cardiff hosts a variety of events throughout the year, making it a lively and exciting place to live. Music lovers can enjoy the Cardiff Music City Festival, which brings together international and local artists for concerts across the city. During the festive season, the Cardiff Christmas Market transforms the city centre into a winter wonderland, featuring handmade crafts, festive food stalls and live entertainment. Beyond these major events, Cardiff offers regular rugby matches at the Principality Stadium, cultural performances at the Wales Millennium Centre and food festivals showcasing the best of Welsh cuisine. No matter your interests, there is always something happening in Cardiff to keep you entertained.

Helpful tips for newcomers in Cardiff

Moving to a new city can be exciting but also comes with a learning curve. To help you settle in quickly, here are some tips for newcomers to make the transition smoother:

• Register with the local council – Once you move to Cardiff, you should register with Cardiff City Council to ensure you’re listed for Council Tax, waste collection and local services.
• Set up utilities and internet – If utilities aren’t included in your rent, you’ll need to choose providers for electricity, gas, water and broadband. Popular energy suppliers in Cardiff include British Gas, EDF Energy and Octopus Energy.
• Find a local GP and dentist – Registering with a general practitioner (GP) is essential for accessing NHS healthcare. You can find a local doctor through the NHS website. Dental services are available both privately and through the NHS, but NHS dental spots can be limited.
• Get a UK bank account – If you’re new to the UK, opening a local bank account will make everyday transactions easier. Popular banks include Barclays, HSBC, Lloyds and Monzo.
• Explore public transport options – Cardiff has an efficient bus and train network, but many locals also cycle or walk due to the city’s compact size. A “My Travel Pass” can offer discounts on public transport for young people under 21.

Frequently asked questions about moving to Cardiff

How much does an international move to Cardiff cost?

The cost of an international move depends on factors like distance, moving services and extra options such as packing and storage. To get an accurate price, you can request a free, no-obligation quote from Henneken Removals, a specialist in UK relocations.

Are there specific relocation costs when moving to Cardiff?

In addition to moving company fees, you may need to budget for visa costs (if applicable), customs duties, Council Tax deposits and utility setup fees. Rental deposits are also required if you plan to rent a home in Cardiff.

Do I need a visa to move to Cardiff?

If you’re moving from outside the UK, you may need a work visa, student visa, or family visa, depending on your circumstances. Since Brexit, EU citizens also require a visa unless they have settled status. It’s recommended to check the UK government website for the latest visa requirements.