North vs South of England — is it actually cheaper to live up North, or do the lower salaries cancel it out completely?
Posted by Gingeintheuk@reddit | AskUK | View on Reddit | 86 comments
Been living in Yorkshire my whole life and I'm seriously considering making the move south for the first time. Got a job opportunity in London that's hard to ignore, but I'm genuinely torn. I own a decent sized house up here and I know I'd be trading it for a flat the size of my current living room. Is it actually worth it? Did anyone else make the jump and either love it or regret it? Feeling like I'd be betraying something but can't tell if that's logic or just sentiment.
vientianna@reddit
I moved from the south of England to Scotland. My life is so much better as a result. The removal of stress from massive house prices has just made everything easier. My salary didn’t decrease
TomfromLondon@reddit
I could move out of London, north a bit and likely get the same pay but a lot less jobs available would make any job issues way too stressful.
vientianna@reddit
Remote work for the win
TomfromLondon@reddit
Of which there are also a lot less jobs, so for me if swap the house price stress for the leak of jobs stress :)
juntoalaluna@reddit
Don't move to London just for the money. If you are doing the same kind of job as you are doing already, you'll probably end up worse off overall.*
Move to London if you've got other reasons - if its an upgrade from what you are doing now, or if there is more career development opportunity, or if its just to experience living in an exciting, world-class city.
(*Though, I do think the "London is more expensive" thing is overblown - housing is genuinely a lot more expensive, everything else is about the same, and people who complain about it tend to be tourists buying fish and chips in Leicester Square or something.)
WinkyNurdo@reddit
I moved to London twenty years ago to further my career … I was dead ending where I lived down in Dorset. There was a salary boost that was more than the extra cost of living. It was a slog — especially with renting being a nightmare — but worked out well in the long run; I made SO many contacts over the years (this is what is great about working in London, contacts). Eventually an ex colleague head hunted me for a fully remote role. I now earn more than twice the national average and can work from almost anywhere; I moved away to the coast and bought my own flat. London was great … but I never thought I’d be there forever.
TheGoose995@reddit
Pubs and restaurants are very much more expensive in London. Some museums, parks and green spaces are free though and London is full of them, so swings and roundabouts
ayeayefitlike@reddit
And, in my experience, if you live within z1-3 you pay more for groceries as well. I noticed a massive drop on grocery prices when I moved from Z2 to the Scottish Borders - \~£45 a week to \~£30, back in 2021, with the same branded supermarket as my closest one in both places.
juntoalaluna@reddit
My experience is that restaurants are not really more expensive and, as a general rule mid-tier places are higher quality, especially for any kind of foreign food.
Pubs are more expensive, but not the £8 a pint craziness people complain about. It's still very normal to get a pint of beer for less than £6. I was in Manchester for a stag a couple of weekends ago and it didn't feel cheaper for beer!
I'm not talking about central London here though - I'm meaning Zone 2/3/4 where most people actually live.
Mobile-Stomach719@reddit
I agree. You can generally tell when beer is gonna be super expensive when you see the pub locations. There are plenty places in London where beer is pretty reasonable and plenty in Manchester where it's outrageous - and vice versa.
FletchLives99@reddit
Public transport too - and everyone uses it, even the rich
Gingeintheuk@reddit (OP)
This is really helpful, cheers. The career development angle is probably what's pulling me most I'm not just chasing a salary bump, it's more about whether staying where I am becomes a dead end in the future.
The cost point is interesting though. Housing is the obvious one but I'd be curious how much the day-to-day stuff genuinely adds up. Feels like that could quietly eat into any advantage even if it's not as dramatic as people make out. I think the honest answer is I don't have strong enough non-work reasons yet, which probably tells me something.
juntoalaluna@reddit
Don't underestimate the career importance, you probably spend around 8 hours a day doing it. I think there are also benefits to being somewhere full of career-oriented people, where there's more smart people (probably not entirely fair, but true compared to other places I've been), and where you get exposure to people doing completely different things. Where I lived before, I mostly knew people with jobs like mine and I get a lot out of being around people who work in art, finance, politics etc...
Cost wise, it's genuinely hard to compare. I've been here 7 years now and I earn quite a lot more than I did then, or than I ever would have done outside London. Some things are also unexpectedly cheaper, for example my council tax here is significantly less than where I lived before. I never went to the theatre before (and go about once a month now), but its a lot cheaper in London than elsewhere in the country especially when you can buy tickets mid-week at short notice (maybe this is not a cost reduction really...).
One thing I'd recommend, if you haven't done it, is going to a normal area in London that you could actually afford and seeing what it's like to live in. I'm in Crystal Palace, which feels more like a nice little town/large village than what people picture when they think of London. I'd never really been outside of central London before moving here (because why would you?) and its a very different experience.
doctorace@reddit
If you’re able to ditch your car and have a cheaper public transport option (Tube rather than National Rail), that can also be a savings.
Falloffingolfin@reddit
I moved to London from Yorkshire in my early 20s, and lived their between 2004 - 2018 (with four year in the middle living in Melbourne).
Basically, it was amazing in my 20s when I was forging a career, partying and all I needed was beer money and a roof over my head. Once I progressed through my 30s and wanted more, it started to turn sour.
It is prohibitively expensive compared to the North and any increase in salary for a similar role will not level that out. I guess the thing to think about is, does London offer a much higher ceiling to your career? You have to make sacrifices to live in London, so you have to really love it to make it work IMO. That is the case even if you're relatively successful. I'd consider myself in that bracket. I'm degree educated, quite senior in my field but in a relatively poor paying sector - £50k - £65K bracket. The north allows me a lifestyle that I'd expect for what I consider a really decent wage. House ownership, nice area, holidays, relative security etc. London didn't. Housing, council tax, food, travel - you need to be earning much more than me to get a comparible lifestyle.
I did genuinely love it in my 20s though. Came from a dead end town so my career would never be the same if I stayed in my hometown. If you're young, single, see it providing a boost in your career, fancy a bit of bright lights and big city - it might be a great move. If that isn't you, you might want to think twice.
All just personal experience but hope it helps a bit.
bored_toronto@reddit
This was my experience too, but I didn't have the social skills for clubs and going out, so it was my office job and then Playstation/XBox.
Falloffingolfin@reddit
Oh, I did that too. We used to get some weed delivered on a Friday night and hole up in our rooms playing as a squad on Halo 3. Some of the best of times.
TroublesZoo@reddit
Too many variables to make this a clear cut thing.
I'm very lucky to be on 78k in financial management in greater Glasgow about five miles out from the city centre, partner is also in a good job on about £40k, and our four bedroom semi was only £240k so it's a very good lifestyle.
Same house in Edinburgh would probably be £450-500k easy, with a higher general cost of living also for things like going out at night, so it would be totally different in terms of disposable income just 50 miles to the east!
regulator202@reddit
You've answered it yourself. Pay rise and a flat , or stay put in your big house. Easy call
LazyApe_@reddit
I don’t think the wage difference ever makes up for the cost of living, I moved from Yorkshire to Essex and wages are across the board pretty similar in both areas apart from the odd outlier or if you commute into London, but it’s more expensive to live in Essex.
maceion@reddit
I worked in London for 13 years. Moved back to Lancashire and happiness.
Shoddy-Reply-7217@reddit
I'm originally from Leeds, and have been living & working in London/ the commuter belt for a long time and you definitely feel the cost more here.
Every time you leave the house it feels like £100 leaves your bank account. Another £1 or two here and there really adds up.
Not to say that it's shit at all, and nowhere near the crap people love to tell you, especially if you have an established career and you're not just starting out.
I love the excitement of London, it's a few degrees warmer which you totally do feel (spring is at least two weeks earlier) and flights to Europe/everywhere else are cheaper and more abundant.
There are a zillion museums and places to go and if you're young and mobile the choices of things to do, and range of people with different experiences you can meet are fantastic. Sitting in a sunny park in central London watching the world go by is truly a joy to me.
You do have to get used to how busy it is. Always. Just getting out of your road in traffic, the volume of cars on the road, getting to the GP, buying a ticket to a show, finding a car parking space, and the noise and hecticness can be overwhelming, especially at first.
You're in competition with 10 million other people so whatever you want to do, you can guarantee there are thousands of others who also want to do it. On the same day.
I now live in the green burbs in Hertfordshire which are (marginally) cheaper and I feel like I can breathe more, but if it's standard of living you want I'd definitely stay put.
If it's excitement and an adventure, I would do it all over again every single time.
bored_toronto@reddit
Great quote.
Westgateplaza@reddit
Not everywhere up north is cheaper… Cheshire and parts of Manchester are very expensive and sometimes more expensive than some parts of the south east
I_like_Your_Face500@reddit
Yeah exactly. Edinburgh is pretty expensive
Quiet_surprise79@reddit
St Andrews isn't cheap either
TheSmallestPlap@reddit
Cheshire and Manchester? If you want the true northern experience then get out of the major cities, anything in major cities is bound to be significantly more expensive. Get yourself to rundown town #53 which ks roughly 34 miles to the closest city.
audigex@reddit
Cheshire is a big place, you can't just group Crewe and Alderley Edge like that 😂
Yes, there are expensive places in the North - but there's almost always somewhere markedly cheaper within half an hour
loveswimmingpools@reddit
I was going to sat this. My brother rents in Manchester since he separated from his partner.. and it is ridiculously expensive.
Sidthehound@reddit
I’ve always lived in the south and almost always been on minimum wage so I would imagine the rent prices would mean I’d have more money if I lived up north?
Sidthehound@reddit
For context I pay £1100 a month for a one bed flat in Bristol
audigex@reddit
Yeah never mind a flat, you'd get a 2 bedroom house for 2/3 of that in eg Lancaster - which isn't a particularly cheap place in the North
In many areas of the north you could rent a flat for half that
Perhaps more importantly, you could plausibly save £5k and then buy a house in Workington or similar
KimonoCathy@reddit
3- bed house in fairly decent part of Nottingham, rent is £1,050.
audigex@reddit
My house would be at least twice the price in most areas down south. My job is paid about 50% more in/around London before tax, about 35% more after tax
Other costs scale in various ways (eg comparing to London for me supermarkets tend to be similar, restaurants are more expensive, but no hotel cost to see a west end show or a concert etc etc) but those average out enough that IMO housing remains the dominant factor
Obviously it depends a bit on your career and you need to compare specific roles and locations - but generally speaking I'd want about double the money to move south, more if I had to be in London every day
That's purely on finances, of course - there are other benefits to being in London specifically, although in exchange you lose some of the peace and quiet, countryside, access to outdoors activities etc in the North too
Isgortio@reddit
I moved from Berkshire to West Yorkshire, I saw a lot more for my money. I moved to Lancashire, and costs for food/services is similar to what I'd pay back home but housing costs are lower.
You're in a cheaper area than you think lol
Ok-Spite-5454@reddit
I honestly personally wouldn't even consider moving for a job if it's not over 6 digits annually lol
Funky_monkey2026@reddit
40k for a job that's lower management, 400k for a 2bed flat or the crappest 3bed house on the outskirts in London. Even £1m houses in London aren't all that, and with £100k salary, you're paying a lot of tax.
Up north, a lower level manager might get 30-35k, willing to bed a 300-350k house is a lot nicer.
mumwifealcoholic@reddit
My husband's wage increased by 20% when we moved North. I took a very small paycut, but have now caught up.
Our last rented flat in Surrey was a nice 2 bed for 1450 PM.
Our mortgage on our 5 bedroom 3 bath house in SYorkshire is under 1200PM
It's not 100% like for like...our last place was in a a very nice area. But still, 100% worth it for us. Our life is better up north.
THE_BLACK_HOTDOG@reddit
Work in London and make London salary, live in a cheaper commuter town. Best of both world.
Tim-Sanchez@reddit
Commuter towns are rarely as cheap as equivalent northern towns, plus you have a longer commute.
THE_BLACK_HOTDOG@reddit
Well where I live is 20min direct train to kingx and property price is 30-40% cheaper than London.
Tim-Sanchez@reddit
Handy if you work by Kings Cross and live near the train station, otherwise your commute is likely longer.
THE_BLACK_HOTDOG@reddit
True. I can only look for work along Thames Link. Can't win it all.
iceblnklck@reddit
And that then drives up the house prices even more. Good one that pal 👍🏼
THE_BLACK_HOTDOG@reddit
Not my problem. 🤷 I only pay 6% of my net income on housing and have two cars in my garage.
iceblnklck@reddit
It’s odd that felt the need to tell a stranger about your cars and apparent housing spend.
THE_BLACK_HOTDOG@reddit
Because this post is about finance. I'm just saying it is possible to spend a small fraction of London price, living without compromise, and still be short distance away from Central London.
Severe_Mastodon8072@reddit
So your issue is… having a job in London? Or living commuting distance to your job? Not super clear.
Answer to the actual post is a boring ‘it depends’.
THE_BLACK_HOTDOG@reddit
Where I live is 20min direct train to kingx, but properties are 30-40% cheaper than London prices (rent or buy). I work hybrid in central London 3 days a week.
iceblnklck@reddit
That’s definitely the only answer - it really does depend where in the north. Altrincham and Hale aren’t really comparable to Wallasey and Lytham.
ReflexArch@reddit
True but does depend on your season ticket costs. I'm 1hr to 1hr 10 mins from a big London terminal (depends which train you get) and the season ticket is almost £13k a year.
That is 13k a year of take home pay that could be going into a bigger mortgage closer to London and also saving me travel time.
THE_BLACK_HOTDOG@reddit
Where I live is 20min direct train to kingx, but properties are 30-40% cheaper than London prices (rent or buy). I work hybrid in central London 3 days a week. Train fare is £80 a week plus underground.
ReflexArch@reddit
Yeah that is doing it right. Good location and good price for train all things considered.
Obviously an hour is a much longer commute but the cost of a season ticket my way is insane.
THE_BLACK_HOTDOG@reddit
I mean the town is kinda meh but I save so much money and live in a much better property.
bluejeansseltzer@reddit
Why not just rent your house out whilst living in London? You might be able to afford something a bit larger that way.
Appropriate_Log1654@reddit
We would earn around £50-60k more living in London... We wouldn't be able to live the lifestyle that we have in the North East despite having lower salaries here.
For reference our mortgage, tax and bills on a large 4 bed detached in a nice area are less than what my brother and partner pay on renting a 1 bed flat in zone 2/3 in London.
We'll stay put!
Tennonboy@reddit
The clever people work in the south and live in the north. They call themselves commuters 🙃
pickindim_kmet@reddit
I don't have it available so I can't link the study but there was one a few years ago (probably pre-pandemic so things may now be different) where it compared many aspects and revealed that it was actually better to be in the north financially. The higher salaries in the south don't quite work out better off for people in the south.
But there's so many aspects of it I don't think we can really say. A lot of it is quality of life, if you're fine to live in a tiny flat the size of your living room then go for it but if that's gong to impact you mentally then not worth it.
Frosty-Branch-2277@reddit
I’m from Yorkshire and moved down south many years ago. Houses are obviously a lot more expensive (and I live in Wiltshire not London!) but my job is actually based waaaay up north but I get paid the same, if not more, than I would at other organisations in my industry local to me.
The benefit for me is, at least in my industry, there’s more options down here to move around jobs (I don’t generally stay in a role longer than 3 years so maybe that’s just a me consideration)
Personally I wouldn’t move to London regardless of pay rise but that’s all down to personal preference on where you like living (middle of nowhere for me!) Could you live in a bigger place but further out and commute if size is the issue?
Illustrious_Bird_202@reddit
The English north is for poor people.
moipwd@reddit
it is definitely much cheaper to live up north, my young brother rent a 2-bed flat in the outskirts of Newcastle for 500 quid(he could buy the flat for 40k and the mortgage would be less than 300quid), my friend bought a house on his own on minimum salary doing overtime here and there, the house sold for 130k... both examples on min salary but most people I know up here dont earn min salary... If you lurk around subs like Newcastle / Northumberland / North East you'll see a lot of people doing the opposite, living the crazy cost of living down south to come up here
tobotic@reddit
From 2018 until 2024, I was renting a three bedroom, two reception room terraced house (2012 build) with small front and back yards for £575 in Darlington. They didn't raise the rent the whole time I was there. Out of curiosity, after I moved out, I checked to see if they'd put it on the market for more. They had, but only by £50.
Down south, I was paying £775 for a one bedroom flat.
Organic-Violinist223@reddit
We have a ch postcode and 4 bed terrace houses go for 360k!
AirconGuyUK@reddit
House prices and interest rates around 4% will almost completely wipe out wage gains in the south east.
Two people on minimum wage can easily afford a house in a lot of the north. They'd have a budget of £250k.
tobotic@reddit
A lot of companies have fairly standardized salaries which they apply nationwide, though often with London itself being an exception. Other jobs are work from home and will pay the same no matter where you do it.
In those cases, living in a cheaper part of the country definitely pays off.
Sibs_@reddit
I moved from the north west in late 2019, still here.
I’d ask yourself are you going to take advantage of everything a huge, global city has to offer. Obviously there’s the career progression but are you wanting to get out and meet people, experience all the museums/nightlife/parks/restaurants/live events on your doorstep, take advantage of the transport links to other places. Having all that is the trade off. I’m not saying you can’t get those things in other cities but London is on a much bigger scale. Ultimately that is why I’ve stayed here so long.
If you’re someone who prefers a quiet life staying at home, the trade off probably isn’t worth it as your money won’t stretch as far. Commuter towns will be an option but can be expensive if you’re having to travel into the office a few times a week.
TedBob99@reddit
Very unlikely the higher salary net of tax you may get in London would cover the cost difference. Better to stay up North.
Cruxed1@reddit
I mean mostly yes, truly high paying roles are less common up north etc.
But if you take where I am for example, the 'Average house' is about 330k which would get you an iffy 3 bed or a nice 2 bed.
Minimum wage is the same here as in the north and you won't get SE weighting, London weighting etc.
A pint (Not in spoons) is generally £5-6 sometimes more
carlovski99@reddit
Having just moved out of rental in the south, at the grand age of 48, it would have been easier in some bits of the north. A lot of the stress involved in finding a places we could afford here (that aren't flats) would have gone. Salary probably wouldn't have changed, GF is 100% remote anyway.
I'm NHS and could probably find a job on the same band, or just work remote too (Back office, not clinical). But despite bein originally from the NW and the midlands, we have been down here a long time and have ties to the area now. So wasn't just a financial decision.
Ellajt@reddit
I moved from Devon to humberside and I’m so much better off for it. Not London though
Rowanx3@reddit
To enjoying living in London you have to enjoy London. You see loads of videos of home bodies moving to London and saying they hate it, like yeah, moving to London you’re sacrificing a lot of personal space to enjoy public spaces.
I loved it when i was 20, i just moved to london because i loved London and worked as a waitress full time. But i was almost never at home. If i was forced to spend more time at home than i did i probably wouldn’t have enjoyed it very much.
I wouldn’t enjoy that now and now i don’t live in London. For the most part in london if you have no dependants you can figure out financials pretty well, its more what outside of finances mean the most to you and does london fit that. I wanted the adventure, busy days, big social life and just fun tbh so i moved. Now im happier for a more relaxed time.
CoffeeIgnoramus@reddit
So I live in an expensive part of the south and I've managed to buy a small semi, but for that money I could get a lot more anywhere outside major cities and it's tempting.
I suppose the real question is what is important to you.
For me, the access to life, culture, some unique events a walk away from my home is more value than the space I gain... at least for now.
But if you prefer to be home and have lots of space for projects, extra storage, car parking space, etc... then maybe you would prefer to stay where you get that.
RealLongwayround@reddit
My public sector job pays the same in the north as in the south. I’m better off in Lancashire.
JusNoGood@reddit
I lived in the Home Counties for three decades and commuted to London. It was fun and have had some great times. When I got close to retirement I sold up and bought a bigger cheaper house in the south west. I could never have afforded the house i have now or retire in my 50s living in another part of the country.
bsnimunf@reddit
I don't think it's as clear cut as north south. Property prices in Manchester and Liverpool have gone up massively it nots unusual to see £600k 3 bed semis. There are certain areas around the country where cost of living is quite low for example parts of the north, Wales, Scotland, Norfolk area but they tend to have lower wages.
I think the people that have it the best tend to be people who live in low cost of living nice areas like Norfolk etc but still have decent wages from working government jobs like NHS, police, civil service, teacher etc. If you are a teacher your wage is the same if you live anywhere in the country but the cost of living can be double because there's such a massive difference in property prices.
I understand teachers in London get slightly more but the cost of living increases make that irrelevant.
Dear-Watercress-5278@reddit
I would run more exact numbers on your situation - look at Rightmove, have an estimate of what you might pay, monthly expenses (also don't need a car on London for example). I have lived in either the Midlands or South East in different stages of my life and the cost/benefit has been different at different times depending on how much I have been earning, whether I have been living alone etc. There's no one size fits all.
dudeyaaaas@reddit
I believe everything evens out in the end to be honest. Earn more, spend more. Choose where you feel quality of life will be best. House size doesn't matter to me as much as accessible experiences. Good weather is more important to me. Fun and interesting people. You have to weigh it up for yourself.
andyone100@reddit
We moved south 35 years ago. House prices at that time were double down south (in the countryside near Reading and Henley). We sold it 5 years ago to retire back up north. We had a beautiful period 3 bedroomed semi detached country cottage, which we sold for £650k and bought a massive 5 bed barn in the North York Moors for £495k! So if you plan on retiring back up north, buy and sell at the right time, and it’s great! Be careful with leasehold apartments in London though as lease charges has made them a dubious investment over the last few years.
Other than that, go for it. I always think you have more options with a higher salary even in a HCOL area like London. When you move back up North you reap the benefits of the move, plus you’ve had all that fun living in/near arguably the best city in the world
rufiohnistram@reddit
Some figures are really required here to make a decent assessment. What's your current salary vs the salary you'd be moving for? How much is your house currently worth and what budget would you have for a house down south? Also London prices =/= southern prices, chances are if you own a decent sized house up north you'll be able to get a house (albeit smaller) down south. Commuting costs will obviously have to be factored in though.
banxy85@reddit
You've said it yourself. You're trading a large house for essentially a room
Is that worth it to you
_ThePancake_@reddit
I live up north but work remotely for a London company.
The wages up here suck so it really does cancel out a little, but it's not 1:1 so overall it is cheaper.
Iammildlyoffended@reddit
I e lived in the north all my life, afaik from the southerners I’ve known it is genuinely cheaper. We’re on a household income of around 60k I only work PT due to small children. We’ve got a lovely house (not huge) twocars, holidays abroad. We do need to budget obviously, but when either husband gets a promotion or I go back to work FT we’ll be quite well off.
In my 20’s I nannied for a family who commuted daily to London but lived up north in utter luxury. I estimate their income was around 150k - 200k
I had family down south who had standard jobs and just couldn’t get over the cheaper housing vs what you’d get for that price on the south coast.
We’ve also got friends who lived down south all their lives then moved up north, they say they would never move back now, the house prices are very attractive to them and couldn’t believe how “much more friendly” people are here vs where they were from.
Guardofdonner@reddit
Leaving London this year. Easily getting a four bed detached for the cost our two bed terrace in a not great part of London.
It's great for culture, shit for countryside (good parks for a city but they're not the pennines and the countryside nearby is tedious compared to most of the north), but it is well expensive. Obviously rent exepensive, meals out as well, beer definitely, supermarkets are the same, public transport is good but also not cheap. Museums are free but theatre and gigs aren't so cultures a balance.
Essentially if you wanted the culture, the connections and the vibrancy, then it might be worth it, but it has to be a good chunk of change to make the move with it on money alone. I've enjoyed my time here but I'm ready to leave.
Creative_Expert_4052@reddit
All depends where you live down south or north. Generally though the north is cheaper.
For your situation, if you’re worried about a small flat you should definitely see if there’s an option for remote work where you could stay where you are or live outside of London and commute.
Although commuting an hour or so each day is tiring and not cheap in itself, if you only have to be in London 2/3 days a week it may be worth it - particularly if it means your going home to a nice house rather than a cramped flat.
Also London I feel like isn’t a fair reflection of the south or the UK generally. It’s like another country sometimes, I’ve lived down south all my life in different parts and London always feels way more advanced and developed vs the rest of us. Also London is much more expensive than the rest of the south, I’m sure if you took London out of the equation North vs South becomes a lot closer.
sossighead@reddit
It’s cheaper to live up north and if you can get a well paid job you’ll have what I’d call a different (always hesitant to say better) quality of life.
London is a global city though in a way no city in the north is. You do have to pay for that but it may be that trade off is worth it for you.
I’ve decided it isn’t for me.
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