Last updated: July 2026
Agreement
By using ukcostofliving.org you accept these terms. If you do not accept them, please do not use the site.
We may update these terms from time to time. Changes take effect when published on this page, and the date at the top of this page will reflect the most recent revision.
This is not financial advice
Everything on this site is provided for general information only. It is not financial, legal, tax or professional advice, and it is not a recommendation to take or refrain from taking any particular course of action.
We are not regulated by the Financial Conduct Authority and we are not financial advisers. The comparison tools produce estimates based on published averages. They cannot account for your income, your circumstances, your obligations, or the specific property or area you are considering.
Before making a financial decision, you should verify the relevant figures yourself and consider seeking advice from a qualified professional. Free impartial guidance is available from MoneyHelper and Citizens Advice.
Accuracy of information
We compile figures from published third-party sources and take reasonable care to reproduce them correctly. Our sources are documented on our methodology page.
However, we do not warrant that the information on this site is accurate, complete or current. Cost data changes frequently. Source organisations revise their figures. Averages conceal wide variation. Council tax rates change annually and vary by parish. Rents differ street by street.
Figures shown are estimates and should be treated as a starting point for your own research, not as a definitive answer. Always check current figures with the relevant authority — your local council for council tax, Student Finance England for maintenance loans, and letting agents or landlords for rent.
Limitation of liability
To the fullest extent permitted by law, we accept no liability for any loss or damage arising from your use of this site or from reliance on any information it contains. This includes decisions made on the basis of our comparison tools.
Nothing in these terms excludes or limits liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot lawfully be excluded.
Third-party content and links
This site links to external websites. We do not control those sites and are not responsible for their content, accuracy or availability. A link is not an endorsement.
The site carries advertising served by Google AdSense. We do not select or control which advertisements appear. The presence of an advertisement does not constitute an endorsement of the advertiser, its products or its services.
Data sources and attribution
Figures on this site are derived from published sources including the Office for National Statistics, the NatWest Student Living Index, Save the Student, the Ministry of Housing, Communities and Local Government, individual local authorities, and others. These are credited on our methodology page.
Content that originates with the Office for National Statistics and other public bodies is used under the Open Government Licence v3.0 where applicable. We are not affiliated with, endorsed by, or connected to any of the organisations whose data we reference.
Intellectual property
The design, written content, and the specific compilation and presentation of data on this site belong to us. You are welcome to reference our figures and link to our pages. Please do not republish substantial portions of the site's content or reproduce our tools without permission.
Underlying data belongs to the organisations that produced it and remains subject to their terms.
Availability
We aim to keep the site available but do not guarantee uninterrupted access. We may change, suspend or withdraw any part of the site at any time without notice.
Governing law
These terms are governed by the laws of England and Wales, and any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.
Contact
Questions about these terms can be sent to hello@ukcostofliving.org.