10 Most Affordable Cities to Live in The UK

What are the most affordable Cities to live In the UK? When people think of life in the UK, many picture high rents, rising house prices, and cities that seem impossible to afford. But what if we told you there are still cities across the UK where you can actually live comfortably—without draining your wallet? In this video, we’re counting down the 10 most affordable cities to live in the UK. Whether you're renting, buying your first home, or just trying to make ends meet, these cities offer more than just cheap living—they offer real value. Let’s jump into the list, starting with number 10 and working our way to the most affordable city in the UK.

Ten. Durham
Nestled in northeast England, Durham is a historic cathedral city that blends timeless charm with a relatively reasonable cost of living. While it doesn’t have the rock-bottom prices of some others on this list, it still stands out for being one of the most affordable UK cities for both renters and buyers.
Average rent here hovers between £600 to £700 per month, making it a great option for students, professionals, and retirees alike. Properties are often priced around £130,000 to £140,000, giving first-time buyers a solid entry point into the market.
What keeps Durham at number 10 is its growing popularity, especially due to Durham University and the city’s proximity to Newcastle. But despite rising demand, Durham still ranks among the most affordable cities to live in the UK.

Nine. Wolverhampton
Wolverhampton is one of the youngest UK cities in terms of status—granted city status in 2000—but it's an old hand at stretching budgets. Located in the West Midlands, Wolverhampton offers strong rail links, cultural venues, and surprisingly low living costs.
With average rents around £826, it ranks as one of the cheapest major UK cities for renters. Though slightly higher in cost compared to others on this list, Wolverhampton still remains well below the national average, making it a practical choice for commuters into Birmingham.
Property prices remain within reach too, with homes often under £200,000, and lower council tax rates compared to nearby cities. Wolverhampton might not be on everyone’s radar, but it quietly earns its spot on our list.

Eight. Liverpool
Yes, Liverpool is world-famous for music and football—but did you know it’s also one of the UK’s most affordable big cities? With rents sitting around £826 per month, Liverpool rivals other northern cities for cost-effective urban living.
What makes Liverpool stand out is that you’re getting value in a vibrant, historic, and globally connected location. The city offers a massive housing stock, and first-time buyers can still find properties around the £180,000 mark—rare for a city of its size and profile.
Whether you’re a student, young professional, or relocating family, Liverpool offers both culture and affordability.

Seven. Derby
Located right in the heart of England, Derby consistently appears in rankings for affordable cities in the UK—and for good reason. With average monthly rents around £813, Derby offers great value, especially for those working in tech, engineering, or manufacturing.
It’s home to big employers like Rolls-Royce and Toyota, meaning wages are decent, while the cost of living remains low. The city also offers access to the beautiful Peak District, making it perfect for outdoor lovers on a budget.
Buying a home in Derby is also within reach for many. With properties averaging around £200,000 or less, Derby balances employment opportunities with affordability.

Six. Dundee
Scotland’s fourth-largest city, Dundee is often overshadowed by Edinburgh and Glasgow, but it shouldn't be. With average rents of around £510 per month and a healthy housing market, it’s one of the cheapest cities to live in Scotland—and the UK.
Dundee has reinvented itself in recent years, becoming a hub for digital media, life sciences, and education. The arrival of the V&A Dundee museum on the waterfront also boosted its cultural standing, without affecting its affordability.
It’s an excellent base for students at the University of Dundee or professionals looking to avoid the high costs of larger Scottish cities.

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