Cost of Living in UK for International Students

Embarking on a journey to study in the UK is an exhilarating prospect, filled with promises of world-class education, rich cultural experiences, and a vibrant student life. But what about the practical side of things? Specifically, the cost of living in UK for international students.

It’s a crucial question, and understanding the financial aspect of your adventure is the first step toward a successful and stress-free experience. Here’s the deal: moving to a new country involves more than just tuition fees.

You need to think about where you will live, what you will eat, how you will get around, and of course, how you will budget for fun. This guide is designed to be your ultimate companion, breaking down everything you need to know about the living expenses in the UK for overseas students.

We will explore average costs, compare cities, and share some insider tips to help you manage your student budget effectively.

Why Understanding UK Living Costs Matters for International Students

Planning your finances is not just a requirement for your student visa application; it’s the bedrock of your entire study abroad experience. A clear understanding of the cost of living in UK for international students allows you to create a realistic budget, avoid financial stress, and focus on what truly matters, which is your education and personal growth.

Without a solid financial plan, you might find yourself constantly worrying about money, which can detract from your studies and overall well-being.

You may be wondering why this is so important. For starters, the UK government requires you to show proof that you can cover your living expenses. For students, the requirement is to have £1,334 per month for up to nine months for courses in London and £1,023 per month for courses outside London.

But here’s the kicker: these are minimum figures. Your actual monthly expenses for international students in UK could be higher depending on your lifestyle and the city you choose. A well-researched budget ensures you are prepared for reality.

Average Monthly Living Expenses in the UK

So, how much money do international students need in the UK? While the official figures provide a baseline, real-world costs can vary. Most students find that their monthly expenses, excluding tuition, range from £900 to £1,500.

This typically covers accommodation, food, transport, utilities, and some social activities. Bottom line: a detailed budget is non-negotiable. An international student budget planner for the UK can be an invaluable tool to track your spending and ensure you stay on trac

Source; Savethestudent.org

Key Differences Between UK Cities

It’s impossible to discuss UK student living costs in 2025 without highlighting the significant variation between cities. London, for example, is notoriously more expensive than other parts of the country.

Rent, transport, and even a pint at the local pub will cost you more in the capital. Conversely, cities in the North of England, Scotland, or Wales often offer a much more affordable living for students in UK.

Your choice of university and city will have the single most significant impact on your overall expenses.

Breakdown of Student Living Expenses in the UK

Let me explain. To truly get a grip on your finances, you need to break down your expenses into key categories. This approach helps you see exactly where your money is going and identify areas where you can save.

Let’s dive into the main components that make up the cost of living in UK for international students.

Accommodation Costs (On-Campus vs Off-Campus)

Accommodation will be your largest monthly expense. The cost of accommodation for UK students varies dramatically based on type and location.

On-Campus Halls of Residence: This is often the most popular choice for first-year students. It’s convenient, sociable, and bills are usually included. Prices can range from £400 to over £800 per month.
Off-Campus Private Housing: Renting a room in a shared house is often cheaper, especially in your second and third years. However, this figure can be much higher in cities like London and lower in cities like Sheffield or Cardiff.

According to the Save the Student Accommodation Survey 2024, the average student rent in the UK has risen to £551 per month. Remember that with private housing, you’ll likely have to pay for utilities separately.

Source; Where do Students live during Term Time

Food and Grocery Expenses for Students

Your food bill is another significant part of your budget. On average, a student can expect to spend between £150 and £250 per month on groceries. This depends heavily on your dietary habits and whether you prefer cooking at home or eating out.

Shopping at budget-friendly supermarkets like Aldi and Lidl, cooking in batches, and taking advantage of student deals can make a huge difference.

Transport Costs for International Students

How you get around will also impact your monthly spending. If you live in university halls close to campus, you can walk or cycle everywhere, saving you a considerable amount. In larger cities, a monthly bus or tube pass is essential.

Here’s something we can both agree on: student discounts are a lifesaver here. For example, the 16-25 Railcard gives you a third off train fares, which is perfect for exploring the country on weekends. Many cities also offer discounted student bus passes.

Utility Bills and Internet Charges

If you’re in private accommodation, you need to budget for bills. This includes electricity, gas, water, and internet. These can add up to £50-£80 per month per person in a shared house.

The good news? Many student accommodation providers now offer all-inclusive rent, which simplifies budgeting. Fast, reliable internet is a must for your studies, and you can often find student-specific broadband deals.

Finally, your budget should include funds for enjoying your time in the UK! This category covers everything from nights out and cinema trips to gym memberships, clothes shopping, and weekend trips.

A 2024 student survey revealed that the average student spends around £42 per week on socializing. Setting aside a specific amount for “fun” each month ensures you can enjoy yourself without guilt.

Source: Savethestudent.org

Cheapest and Most Expensive UK Cities for International Students

Now, let’s get to the specifics. Your choice of city is the most significant factor influencing the cost of living in UK for international students. From the bustling streets of London to the historic charm of Edinburgh, the financial landscape varies widely.

Affordable Cities for International Students in the UK

If you are looking for a top-tier education without the hefty price tag, several cities offer fantastic value. These locations provide a lower cost of living, especially concerning accommodation, allowing your student budget to stretch further.

Here are some of the cheapest UK cities for students:

Cardiff: The Welsh capital is known for its friendly atmosphere and low living costs. Average student rent is significantly lower than in many English cities.
Leicester: Centrally located, Leicester boasts affordable housing and a diverse, vibrant culture, making it a popular choice for international students.
Sheffield: Often called one of the greenest cities in the UK, Sheffield combines city life with easy access to the countryside and offers some of the most affordable student accommodation.
Belfast: The capital of Northern Ireland offers a unique cultural experience with remarkably low living costs compared to mainland UK.

High-Cost Cities and How to Budget for Them

On the other end of the spectrum are cities where the cost of living is substantially higher. London is, without a doubt, the most expensive city for students in the UK. However, other popular cities like Oxford, Cambridge, and Bristol also come with a higher price tag.

But here’s the kicker: studying in these cities doesn’t have to be out of reach. It just requires smarter budgeting. If you choose a high-cost city, you should:

Prioritize Accommodation: Look for housing in less central, more affordable boroughs.
Master Public Transport: A monthly travelcard is a must to save on daily travel.
Seek Part-Time Work: The abundance of opportunities in larger cities can help offset the higher living expenses in the UK for overseas students.

Tips to Manage Student Living Costs in the UK

Want to know the best part? No matter where you study, there are always ways to be smarter with your money. Managing your finances effectively is a skill that will serve you well beyond your university years.

Here are some practical tips to keep your cost of living in UK for international students in check.

Finding Affordable Accommodation and Student Housing

As accommodation is your biggest outlay, finding a good deal here is crucial. Start your search early, compare different options (halls vs. private renting), and don’t be afraid to look at areas slightly further from the city centre if they have good transport links.

Websites dedicated to student housing can also be invaluable resources.

Making the Most of Student Discounts and Freebies

Here’s an example: your student ID is your golden ticket to savings. Almost every shop, restaurant, and cinema offers a student discount. Get an NUS/TOTUM card for even more exclusive deals.

Also, keep an eye out for free events, museum entries, and university-run activities to keep your entertainment costs low.

Balancing Part-Time Jobs with Study

Many international students take on part-time jobs to supplement their income. Your student visa will specify how many hours you are allowed to work during term time (usually up to 20 hours per week).

A part-time job not only provides extra cash but also helps you gain valuable work experience and improve your English skills. For career advice and job-seeking tips, explore the insights available at RKY Careers.

Covering Costs While You Study? ApplyBuddy Has Your Back

Cos of living in uk for international students

The UK offers world-class education, but living expenses; rent, food, transport, and bills can add up quickly. For many international students, finding a part-time job is the smartest way to ease the financial burden. But here’s the catch: UK employers expect a professional CV, a role-specific cover letter, and a strong LinkedIn presence.

That’s where ApplyBuddy steps in. We specialise in job application support, helping you create standout CVs, personalised cover letters, and optimised LinkedIn profiles so you can secure part-time roles faster and manage your cost of living with confidence.

Frequently Asked Questions (FAQs): Cost of Living in UK for International Students

How much money do international students need per month in the UK?
On average, international students need between £900 and £1,500 per month to cover living expenses, excluding tuition fees. This varies significantly depending on the city, with London being at the higher end of this range and cities in the north of England or Wales being more affordable.

Which UK city has the lowest living costs for students?
Cities like Cardiff, Leicester, Sheffield, and Belfast are consistently ranked among the most affordable for students in the UK. They offer a great balance of quality education and lower costs for accommodation, transport, and social activities.

Do international students get discounts on travel and food in the UK?
Yes, absolutely. International students are entitled to the same discounts as domestic students. This includes the 16-25 Railcard for cheaper train travel, local student bus passes, and discounts at numerous restaurants, cafes, and supermarkets with a valid student ID or a TOTUM card.

How can international students save money while studying in the UK?
Students can save money by creating a detailed budget, cooking meals at home, choosing accommodation wisely, and taking full advantage of student discounts. Getting a part-time job, within the visa limits, is also an excellent way to supplement income and manage the cost of living in UK for international students.