Last Updated on April, 2025
Looking for the cheapest and safest place to live in the UK? Whether you’re all about the average house price or hoping for affordable living expenses, this guide covers it all.
I know, finding a spot with an affordable cost of living, a low average rent, and safe surroundings sounds like wishful thinking, but don’t worry—I’ve rounded up the best options for you.
From lively city centres to peaceful suburbs, these cities have a little something for everyone.
Quick Summary
- Highlights budget-friendly cities like Durham, Belfast, Newcastle, Stirling, and Lancaster, emphasizing low average house prices, rent, and manageable living expenses while maintaining charm and convenience.
- For those prioritizing safety, cities like Sevenoaks, Harrogate, Chester, and Wokingham are noted for their low crime rates and strong communities, making them ideal for families and those seeking peace of mind.
- Cities such as Bournemouth, Lincoln, Manchester, and Cardiff stand out as vibrant, affordable options for students, offering a mix of reasonable rents, public transport, and lively environments.
Cheapest Places to Live in the UK
Durham – Affordable Living with a Historic Charm
- Average House Price: €130,413
- Average Rent: €650/month
- PE Ratio: 4
- Monthly Cost of Living: Around €1,230
Nestled in north east England, Durham is a great option if you’re looking for cheap places to live that don’t sacrifice quality. This historic city has plenty of charm, with a gorgeous cathedral, Durham University, and a relaxed vibe.
Plus, with an average price hovering around €130,000 and housing for rent at €650 per month, it’s a fantastic spot for those watching their budget.
The city boasts affordable basic utility bill costs and convenient public transport options. Durham’s monthly travel pass costing is lower than most, and even the monthly major utility bill is manageable.
It’s a vibrant city that keeps your wallet happy while letting you enjoy local gems, from county Durham markets to historical spots.
Belfast – Big on Culture, Low on Cost
- Average House Price: €235,560
- Rent: €495/month
- PE Ratio: 5.1
- Monthly Living Cost: €1,320
Over in Northern Ireland, Belfast stands out as an affordable yet rich city with loads of character. It’s not every day you find a capital city with reasonable living expenses—but Belfast does it right.
The average property price here is €235,560, and with rent as low as €495, you’re looking at a pretty economical city centre lifestyle.
Properties cost a bit more than some other cities, but public transport, cheap eats, and reasonably priced dining options keep living costs down.
Belfast offers a safe environment, a strong cultural vibe, and great rental markets for those wanting to experienc city life without a major price tag.
It’s a lovely city that has become one of the most economical cities for those craving both a budget-friendly and secure lifestyle.
Newcastle – Affordable and Full of Energy
- Average House Price: €210,000
- Rent: €650/month
- PE Ratio: 5.7
- Monthly Living Cost: €1,390
Looking for a lively city without sky-high prices? Newcastle is one of the cheapest places to live in the UK for anyone who loves a bit of action. With average house prices around €210,000 and average monthly rent at €650, Newcastle offers affordability and plenty of character.
It’s a city filled with local markets, lively pubs, and unique events. Plus, with public transport and low utility bills, Newcastle remains an affordable place for families, students, or professionals.
The average income here aligns well with the earnings ratio, so you’re not struggling to keep up with cost of living.
It’s got all the city perks but still feels cosy and affordable, with a monthly utility bill that won’t empty your pockets.
Useful guides:
Stirling – Safe, Stunning, and Affordable
- Average House Price: €220,500
- Rent: €495/month
- PE Ratio: 6.3
- Monthly Living Cost: €1,420
In Scotland, Stirling is another affordable city with plenty of appeal. This city features an average property price of €220,500 and an average monthly rent of €495.
It’s known for its low crime, strong sense of community, and great history. And with a PE ratio of 6.3, you’ll find Stirling provides great value.
Costs of living here are manageable, especially since basic utilities and monthly utility bills are relatively low.
Stirling’s stunning landscapes and charming city center make it one of the most affordable cities in the UK for those seeking a quieter life without compromising on safety or convenience.
Lancaster – Small City, Big Savings
- Average House Price: €194,853
- Rent: €567/month
- PE Ratio: 5.4
- Monthly Living Cost: €1,400
Lancaster, in North West England, is ideal if you’re after affordable housing with plenty of character. With an overall average price of €194,853, this city offers a mix of history and modern comforts. Monthly rent sits at €567, and utility costs are fairly low, keeping your cost of living affordable.
Lancaster has that city centre vibe with a small-town feel, offering markets, charming neighbourhoods, and even a city museum. It’s perfect for those who want to live in the UK without the hustle and bustle of larger cities.
Safest Cities in the UK for Peace of Mind
If safety is top of mind, here are a few of the safest places in the UK. These spots might be pricier but are known for their low crime rates and strong communities.
- Sevenoaks, Kent – Crime Index: 16.42
With a close-knit community and cheapest housing, Sevenoaks is family-friendly, offering easy commutes to central England while retaining that suburban calm. - Harrogate – Crime Index: 17.31
Harrogate in North Yorkshire is known for its sparkling city vibe mixed with a peaceful environment. It’s perfect if you’re after greenery and safety. - Chester – Crime Index: 18.9
Chester blends rich history with modern-day living. It’s a historical city that’s safe and welcoming, ideal for families wanting both security and charm. - Wokingham – Crime Index: 19.7
Near Reading, Wokingham is low on crime and high on charm. With affordable utilities and a warm community, it’s great for a safe, slower-paced life.
Student-Friendly and Cheapest Cities
For students, finding affordable living costs with a fun vibe is key. Here are some cities that do just that:
- Bournemouth With tropical and woodland vegetation, Bournemouth is a student favourite, boasting a lively environment and budget-friendly housing options.
- Lincoln An affordable university city with reasonable cost of living. It’s rich in history and has plenty of cheap dining options for students.
- Manchester Known for its bustling student life, Manchester offers affordable rents and public transport. Plus, its major cities status means there’s always something happening.
- Cardiff With its vibrant student community and Cardiff Metropolitan University, Cardiff has a welcoming atmosphere, reasonable cost of living, and plenty to see and do.
Useful guides:
Wrapping it Up: Affordable and Safe Living in the UK
And there you have it—a look at the UK’s cheapest places to live that balance affordability with safety. Whether you’re thinking about one-bedroom apartment costs in Durham or checking out the average utility bill in Belfast, there’s a main city in the UK that fits every budget and lifestyle.
Consider the income, local amenities, city limits, and of course, safety.
Ready to settle in one of these vibrant cities? Your next affordable and safe UK city could be closer than you think!
