LONDON EDITIONINDEPENDENT CITY PORTAL01 SEPTEMBER 2026
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LIVING IN LONDON

The cost of living in London: a realistic monthly budget

Your London budget changes dramatically by area, household and travel pattern. Start with the costs that matter most.

01

Housing comes first

Compare station access, Council Tax, energy efficiency and included bills — not rent alone.

02

Build a transport budget

Contactless and Oyster caps help control spending. Calculate commuting costs before choosing a home.

03

Plan the first month

Keep extra cash for the deposit, first rent payment, transport and essential household items.