Westminster · London

Cost of Living in SW1A 1AA

53% above the national average. A couple in a 2-bed property here would spend around £2,460 per month.

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Monthly Costs

£2,460

per month

+53% vs national avgNational avg: £1,606/mo

Rent£1,600/mo

ONS Private Rental Market 2025Median 2-bed, London

Council Tax£119/mo

MHCLG 2025-26Band B (£1,427/yr)

Energy£100/mo

Ofgem price cap Q1 2026Gas £46 + Elec £54

Groceries£325/mo

ONS Family Spending 2024£75/week, couple

Transport£160/mo

DfT National Travel Survey 2024London

Water£39/mo

CCW / Ofwat 2025-26£468/yr

Broadband£32/mo

Ofcom 2025

Home Insurance£85/mo

Flood risk estimatehigh flood risk

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Annual salary (gross)

Student loan

Pension contribution: 5%

0%5% (min)15%

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Ground stability bands from the British Geological Survey, including shrink-swell clay and landslide
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Costs are estimates based on regional averages from official sources: ONS Private Rental Market Statistics (rent), MHCLG (council tax), Ofgem price cap (energy), CCW/Ofwat (water), Ofcom (broadband), ONS Family Spending Survey (groceries), DfT National Travel Survey (transport). Individual circumstances will vary. Tax calculations use 2025-26 HMRC rates. Pension assumes salary sacrifice.

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