Living Expenses in UK for International Students 2026 | Complete Cost Guide

Understanding the living expenses in UK for international students is an important part of the entire planning process. It remains a big concern for many international students who want to enrol for the 2026 intakes. With the changing requirements and regulations forthcoming in the academic year 2026 for the pursuit of higher education at UK universities, it is paramount that all international students be aware of the policies while planning and taking financial parameters into account.

In 2026, the UK government's financial requirement for “Proof of Funds” is no longer optional; it is a jump rope that everyone must hop through seamlessly to avoid falling hard by complying with the guidelines for international applicants. To better understand the required living cost in UK, we will look at a cost breakdown of all the expenses.

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Studying in UK and Basic Threshold for a Study Visa

According to the Higher Education Statistics Agency (HESA), 732,285 international students chose to study in UK for the 2023-2024 academic year. Among these students, the Indian population was among the highest contributors, with over 43% of international enrolments. Indian students choose to pursue their overseas education in UK due to its world-class education, top-ranking universities (Oxford, Cambridge, and Imperial), and a multitude of experiences to share with a diverse group of student communities. 

However, to realise this dream, all Indian students must prove to the UK government that they have enough money to pay for tuition fees and manage living cost in UK. Overseen by the UK Home Office, this is also known as the “Maintenance Requirement” that requires students to show a specific amount of money that they will use for supporting themselves (for at least 9 months). But what does this maintenance requirement entail for Indian students?

UK’s Financial Requirement for Living Expenses from All the International Students in 2026 – London and 28-Day Rule

The UK’s Home Office has made it mandatory for all international students to have:

• £1,529 per month (£13,761 for 9 months) if you study in London
• £1,171 per month (£10,539 for 9 months) if you study outside London

The living expenses in UK for international students differ greatly when it comes to living in London or its boroughs. Many international students would wonder why specifically “London” is a point of threshold for the living costs requirements by the UK government, but let us explain this briefly. “London” for visa purposes refers to the City of London and the 32 London boroughs. The government made the distinction between London and its boroughs to provide a threshold for international students so that they can realistically plan their budget for studies.

Studying in London is the highest financial threshold that matches the changes to the living cost in UK, due to rising inflation or other factors. Outside London, such as enrolling at universities like Preston or the University of Greater Manchester, allows international applicants to have a lower financial requirement for the visa application process.

Alongside the “London” financial threshold for international students who want to study in UK, the government also needs students to maintain the amount for at least 28 days and within a total of a 31-day period while applying for a UK study visa. This is the most common cause of visa refusal for international students: failing to comply with the “28-day rule”. 

Cost Breakdown for International Students to Budget Required Living Cost in UK 2026

Living cost in UK comprise all the elements that make your stay comfortable and productive, allowing you to study without any major obstacles. This includes the Immigration Health Surcharge (insurance), accommodation, food and other expenses that are covered under your duration of stay in the country. Let’s take a look at the costs of staying safe and effective for your studies in the UK:

Accommodation (University)

Accommodation makes up the biggest portion of your monthly expenses in any given location. This will be a big variable in determining the kind of budget you want to make for your academic life.

To ease the living expenses in UK for international students, many universities offer them halls of accommodation, equipped with all the required amenities. First-year students who have just shifted from their home country opt for this option, which can cost them:

• £550-£850 per month outside London
• £900-1,500 per month inside London

HMOs and Private Accommodation

Students in the second year onwards are more likely to shift from their university accommodation to a private one and opt for Houses for Multiple Occupancy (HMOs in the United Kingdom). An added advantage for full-time international students is that they do not have to pay the council tax, but they have to obtain a certificate from the university registrar to avail themselves of this privilege. A basic rent outside London can cost £450-£800 per month for an HMO (shared house), while inside London, it costs £850-£1,200 per month.

Other than acquiring HMOs, students can also rent a private studio or a 1-bedroom apartment, which can be rented for a cost of £900-1,400 (outside London) and £1,800-£3,000 (inside London) per month. These offer them high privacy, but the represented cost does not include bills for utilities. If you are lucky enough, you can also find a “Private Student Residence (PBSA)”, which can cost you £700-£1,000 (outside London) and £1,100-£1,800 (inside London) per month. These student-housing units offer en-suite rooms with additional facilities, such as gyms and social hubs.

Food and Groceries

Living cost in UK is heavily influenced by the local economy as inflation rises and food prices go up. Since inflation has impacted the supermarket prices in the UK, students are advised to shop at retail stores like Lidl and Aldi, rather than shopping at convenience stores and eating out at a restaurant. The monthly budget for groceries can vary depending on the location, but consider spending £200-£300 for groceries and food.

Transportation 

Transportation is a major component of all the living expenses in UK for international students. A recurring and non-skippable cost of living is the amount of money you spend on using public transport to travel around the city. Train and bus services are the most common transport options available for all international students.

The good news is that there is a way that you can save money on both of these services by using a “card” for both respective options to have an easier time managing the living cost in UK. Here is a simple overview of how to do this:

• Rail Services - Full-time international students can apply for a “16-25 Railcard”, which will allow them to use the trains at a yearly cost of merely £40, which means they can save one-third on all rail lines in the UK.
• Bus Services - All international students can apply for an “Oyster Photocard” for availing a 30% discount on their commute across London. Using this card in cities like Manchester or Glasgow can help you save a lot more, as it costs you only about £50-£65 per month.

Utilities and Other Services 

Determining this small yet important part of living expenses in UK for international students and making a realistic estimate of how much you will spend in the next year can be a little bit difficult for international students, but here’s a quick look at some of the most common expenses that you should consider when making your budget:

• £60-£100 per month for electricity and gas 
• £12-£25 for buying a new SIM card 
• £30 per month for shared use of broadband internet 

Immigration Health Surcharge (IHS)

Buying health insurance for your stay in the United Kingdom is not only a reasonable option to avoid having to pay for a heavy medical bill but also to provide proof for your “maintenance requirement” and increase your chances of getting a UK student visa. This can also help you effectively plan your overall living cost in UK, and access the benefits of the world-renowned healthcare system in the United Kingdom, the “National Health Service” (NHS). 

An Immigration Health Surcharge can cost you £776 per year. However, if you are enrolled in a program that has a duration of more than a year (12 months of coursework plus 4 or more months of placement or foundation training), then a 6-month addition to the insurance will cost you about £388 (only for the addition).

Final Thoughts on the Current Plan

To build a realistic and sustainable plan for your future academic life in the next few months, learn about the costs involved in pursuing your higher education at UK universities and beyond. Learn about the living expenses in UK for international students while keeping track of the changing economic conditions and how the government is responding to the changes. Rising inflation and visa restrictions are driving the educational landscape for many international students to be more cautious and mindful about their planning. While a little inconvenient to some students, it can pay off a few years from now when you have great opportunities in your field.

How about we connect with you and learn more about your plans and how you can make your dream come true in a more practical way? Register today at Education Vibes for a free virtual meeting with our professional counselling team.