Can I cut or notch a floor joist?
Yes, but only in specific zones and to specific depths — and the rules exist because a joist's strength is concentrated in exactly the places people instinctively cut.
Why position matters more than size. A loaded joist bends. The top goes into compression and the bottom into tension, while the middle depth — the neutral axis — carries very little bending stress. So:
Notches at the top or bottom edge remove material where stress is highest. A notch in the bottom edge, in particular, cuts through the fibres doing the most work and creates a stress concentration that can propagate.
Holes drilled through the centre of the joist depth remove material from the least-stressed zone, which is why holes are treated more leniently than notches.
Bending stress is also greatest at mid-span and least near the supports — so a notch near the wall is far less serious than the same notch in the middle.
The rules in outline. Approved Document A of the Building Regulations sets out permitted zones and dimensions for notches and holes in simply supported floor joists, expressed as fractions of the joist depth and span:
Notches are permitted only in a zone near each end of the span, limited to a fraction of the joist depth, and only in the top edge.
Holes must be drilled on the neutral axis — the centre of the depth — limited to a fraction of the depth, positioned within a defined portion of the span, and spaced apart by at least three diameters.
Never notch the bottom edge, and never place a notch and a hole close together.
Check the current document for the actual figures, since they are specific and are what building control will assess against.
Important exceptions: engineered joists — I-joists and metal-web joists — follow the manufacturer's rules entirely, not these. I-joists must never have their flanges cut. Trussed rafters must not be cut at all without engineering advice.
Better alternatives: run services parallel between joists, use a shallower cable route, or fit a joist strengthening plate.