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Estimated monthly costs • 2026 ONS dataAbout this data
Where does this data come from?
Our cost estimates are compiled from ONS consumer price inflation data (February 2026), ONS private rental market data, Rightmove rental indices, and Numbeo city cost surveys. Childcare figures are based on Coram Family and Childcare annual surveys. All figures represent averages — your actual costs will depend on your specific circumstances.
What's included in the monthly total?
For a single adult: 1-bedroom city-centre flat rent, monthly groceries, a public transport pass, utilities (gas, electric, water), eating out twice a month, gym membership, and broadband. For couples the rent moves to a 2-bedroom flat and costs are adjusted accordingly. For families, childcare costs are added based on city averages for full-time nursery places.
How is the salary calculation worked out?
Gross salary is converted to net monthly take-home using a simplified 2026 UK income tax and National Insurance calculation (standard tax code, no pension deductions). For couples, both salaries are calculated independently and combined. This is an estimate — your actual take-home will vary based on your tax code, student loans, and pension contributions.
How accurate are the childcare figures?
Childcare costs are among the most variable expenses in the UK, ranging from under £800/month to over £2,000/month depending on city and provider. Our figures represent a typical full-time nursery place for one child under 3. Government free hours (15–30 hours per week depending on eligibility) are not deducted as entitlement varies. Always get local quotes.
How often is data updated?
We update city cost figures quarterly using the latest ONS data releases. Inflation figures are sourced from the ONS February 2026 release (CPIH: 3.2%). Last reviewed: April 2026.
About UKCostOfLiving.org
UKCostOfLiving.org is a free, independent cost of living comparison tool built for people making real financial decisions — whether that's moving city for a job, choosing a university, or just trying to understand where your money goes. We don't sell anything and we have no commercial relationship with any city or employer. All data is sourced from public datasets including the ONS, Rightmove, and Numbeo.
We also publish guides on related topics — including council tax rates by city, student cost of living comparisons, and articles on the UK cost of living. If you spot an error or want to suggest a data improvement, email us at hello@ukcostofliving.org.