Living Cost in UK for Pakistani Students 2026

Studying in the United Kingdom is a dream for many young people around the world. The country offers world-class education, a multicultural environment, and a global career gateway.

But before packing your bags, one of the most important things to understand is the living cost in UK for international students. Knowing what to expect will help you budget wisely and enjoy your study experience without financial stress.

Understanding the Living Cost in UK for International Students

The living cost in UK for international students can vary widely depending on where you live and how you spend. Cities like London and Oxford are known for being expensive, while smaller cities like Nottingham, Sheffield, and Liverpool are more affordable.

On average, international students in London should budget around £1,200 to £1,800 per month, while those living outside the capital can expect to spend between £900 and £1,300 per month. This covers essentials like rent, food, transport, and entertainment.

Accommodation: The Biggest Expense in the Living Cost in UK for International Students

Accommodation is often the largest part of the living cost in UK for international students. The type of housing you choose has a big impact on your monthly expenses.

• University Halls of Residence: £500–£900 per month

• Shared Private Housing: £400–£700 per month

• Private Studio or Apartment: £800–£1,500 per month

If you’re studying in London, expect higher rent compared to other parts of the UK. To save money, book university accommodation early or share a flat with friends.

Food and Groceries: Daily Essentials in the Living Cost in UK for International Students

Food is another major part of the living cost in UK for international students. Cooking at home can help you save a lot compared to eating out. On average, you’ll spend between £150 and £300 per month on groceries if you shop smartly.

Supermarkets like Tesco, Aldi, and ASDA offer affordable options, and many have student discount days. Eating out occasionally is fine, but restaurant meals can cost £12–£20 per person, quickly adding up.

Transport and the Living Cost in UK for International Students

Transportation costs depend on how far you live from your university. Public transport in the UK is reliable, and students often get discounts.

• London Travel Pass: £120–£160 per month

• Other Cities: £40–£80 per month

Walking or cycling is a great way to stay fit and cut down on your living cost in UK for international students. Many cities also have student bus passes or rail cards that make commuting cheaper.

Utilities and Internet in the Living Cost in UK for International Students

Utility bills are another important part of the living cost in UK for international students. This includes electricity, gas, water, and internet. On average, expect to pay around £100–£150 per month.

Some university accommodations already include these costs in the rent, which can make budgeting much easier. Always confirm before signing a lease to avoid surprises later.

Healthcare and Insurance: A Hidden Part of the Living Cost in UK for International Students

All international students studying in the UK for more than six months must pay the Immigration Health Surcharge (IHS) when applying for their visa.

This gives you access to the National Health Service (NHS) for free basic healthcare.

However, you might still spend £10–£30 a month on medicine or personal health products. So, when planning your living cost in UK for international students, it’s wise to set aside a small amount for health expenses.

Entertainment and Social Life in the Living Cost in UK for International Students

Studying abroad isn’t just about books and lectures.

You’ll want to enjoy your time too. From going to the cinema to exploring British landmarks, social activities are a part of the living cost in UK for international students.

• Cinema Ticket: £8–£15

• Gym Membership: £20–£40

• Weekend Trips: £50–£100

You can enjoy your student life without overspending by keeping a balance between fun and finances. Look out for student discounts, which are available almost everywhere—from movie theatres to restaurants.

Books and Study Supplies in the Living Cost in UK for International Students

Textbooks can be surprisingly expensive in the UK, especially for subjects like medicine or engineering.

Students typically spend £30–£100 per book, which adds to the living cost in UK for international students.

To save money, consider buying used books, renting them, or checking your university library for digital versions. Many universities also offer free access to e-libraries and journals.

Tips to Manage the Living Cost in UK for International Students

Living in the UK can be manageable if you plan your finances carefully. Here are some tips to help you make the most of your budget:

• Create a monthly budget and track every expense.

• Cook your meals at home instead of eating out often.

• Share accommodation to split rent and bills.

• Use student discounts on travel, food, and entertainment.

• Work part-time (up to 20 hours per week) to earn extra income.

A little discipline goes a long way when managing the living cost in UK for international students.

Affordable Cities for Lower Living Cost in UK for International Students

If you’re trying to reduce expenses, consider studying in more affordable cities. Here’s an estimate of monthly costs in some budget-friendly locations:

• Liverpool: £800–£1,000

• Sheffield: £850–£1,000

• Nottingham: £900–£1,100

• Manchester: £900–£1,200

• Leeds: £850–£1,100

These cities offer great universities and student life at a much lower living cost in UK for international students compared to London.

Scholarships That Help Cover the Living Cost in UK for International Students

Several scholarships are available to help manage the living cost in UK for international students. Many not only cover tuition but also provide monthly allowances for accommodation and living expenses.

• Some popular options include:

• Chevening Scholarships

• Commonwealth Scholarships

• GREAT Scholarships

• University-specific awards

Applying early increases your chances of receiving these benefits and easing your financial burden.

Conclusion: Plan Smart, Live Smart

The living cost in UK for international students can seem overwhelming at first, but with good planning, it’s entirely manageable. Understanding where your money goes helps you make better decisions and enjoy your student life to the fullest.

Whether you’re living in a busy city or a quiet town, budgeting wisely will ensure that you can focus more on your studies and less on financial worries. The UK remains one of the most rewarding destinations for higher education, where every penny spent is an investment in your future.

FAQ's

1. How much does a student need per month to live in the UK?

Between £900 and £1,800 per month, depending on the city.

2. Is London really that expensive for students?

Yes, London has the highest rents and transport costs in the UK.

3. Can international students work while studying?

Yes, most students can work up to 20 hours a week during term time.

4. How can students save money in the UK?

By cooking at home, sharing housing, and using student discounts.

5. Does the living cost include tuition fees?

No, tuition fees are separate from the living cost in UK for international students.