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Cost index: 100 (Scotland avg = 100) · 36% cheaper than London

Cost Index
100
vs London
36% cheaper
Avg Salary
£32,800
2-bed Rent
£750/m
Inverness sits close to the Scottish average cost of living, with a cost index of 100 (Scotland = 100) — 36% cheaper than London. A 2-bedroom rental runs to £750/month, which is 31% of median gross monthly income. At the average salary of £32,800, monthly outgoings are broadly in line with what most Scottish cities offer. Non-rent monthly essentials total around £577.
Pint of beer
£5.00
Coffee
£3.30
Meal for two
£45
At the median salary of £29,000, estimated monthly take-home pay is £1,643. A 2-bed rent of £750/month takes up 46% of take-home pay. Housing costs here are high relative to earnings — splitting a 2-bed significantly reduces the burden.
Inverness is broadly average for Scottish living costs, with a cost index of 100 (Scotland = 100) and is 36% cheaper than London. Rents at £750/month for a 2-bed and the average salary of £32,800 put it in the middle of the Scottish range — neither particularly cheap nor expensive by local standards.
In Inverness, average monthly rents are: 1-bedroom — £625, 2-bedroom — £750, 3-bedroom — £975. These are private rented sector averages for 2026 based on Scottish Government Private Rent Statistics and Zoopla data. Rents vary significantly by neighbourhood — city centre and West End properties typically run 15–25% above these averages, while suburban and outer areas tend to be lower. Under Scotland's Private Residential Tenancy rules, rent increases must be notified 3 months in advance and are currently subject to the rent adjudication process.
A comfortable single-person lifestyle in Inverness — covering a 2-bedroom rent (or splitting with a flatmate), groceries, transport, utilities, and some savings — typically requires a gross salary of around £30,000. At this level, take-home pay after Scottish income tax and NI is approximately £1,692/month. A couple sharing a 2-bed flat would each need a gross income of roughly £18,000 to live comfortably. These figures do not include childcare, which adds £975/month if applicable.
Inverness is 5% cheaper than Glasgow based on cost index (100 vs 105; Scotland average = 100). Renting a 2-bedroom property costs £750/month in Inverness compared to £875/month in Glasgow. Average salaries are £32,800 in Inverness versus £35,200 in Glasgow.
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Data: Numbeo, ONS Annual Survey of Hours and Earnings, Zoopla, Scottish Government Private Rent Statistics, and local authority council tax schedules. Cost index: 100 = Scotland average. Figures are approximate and based on the most recent available data (April 2026). Childcare costs reflect full-time nursery averages.