Last update: Oct 2026

Cost of Living Comparison Between Surrey, United Kingdom and London

For one person, living is cheaper in Surrey: $3,025 a month against $4,086 in London, rent and utilities included – about $12,700 less a year. Rent and utilities account for about half of the difference.

148

Cost of Living Index in Surrey
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Surrey Living Index
195

Cost of Living Index in London
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London Living Index

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Surrey

🇬🇧 United Kingdom

$3,025

/mo nomad

London

🇬🇧 United Kingdom

$4,086

/mo nomad

Monthly Cost of Living

How much you'll spend in Surrey and in London

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Surrey and in London actually costs, broken down by who's living it.

A single person spends $3,025 per month in Surrey vs $4,086 in London, rent included.

Surrey $3,025
London $4,086

A couple spends around $4,456 per month in Surrey vs $5,891 in London, rent included.

Surrey $4,456
London $5,891

A family of three spends $5,887 per month in Surrey vs $7,696 in London, rent included.

Surrey $5,887
London $7,696

Surrey is about 26% cheaper than London, and outside of rent the biggest gap is in transport.

Both Surrey and London sit above the global median – Surrey by 122%, London by 200%.

Meal at Budget Restaurant

$23.47 £17.66

$26.55 £19.98

-11.60%

Three-Course Dinner for Two, Mid-Range

$59.5 £44.75

$107 £80.5

-44.44%

Fast Food Meal (McDonalds, etc)

$9.62 £7.24

$10.78 £8.12

-10.76%

Cappuccino

$4.77 £3.59

$5.71 £4.30

-16.46%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$2.26 £1.70

$3.01 £2.26

-24.92%

Water (0.33 liter bottle)

$1.48 £1.11

$2.29 £1.72

-35.37%

Local Beer (0.5 liter draught)

$6.54 £4.92

$9.08 £6.84

-27.97%

Imported Beer (0.33 liter bottle)

$6.15 £4.63

$8.07 £6.07

-23.79%

Milk (1 liter)

$1.31 £0.99

$1.90 £1.43

-31.05%

White Bread (500g)

$2.10 £1.58

$2.03 £1.53

3.45%

Rice (white) (1kg)

$1.60 £1.21

$2.45 £1.84

-34.69%

Eggs

$4.15 £3.13

$5.07 £3.82

-18.15%

Local Cheese (1kg)

$8.62 £6.49

$12.71 £9.56

-32.18%

Chicken Fillets (1kg)

$9.33 £7.02

$10.61 £7.99

-12.06%

Beef Round Steak (1kg)

$16.52 £12.43

$17.68 £13.31

-6.56%

Apples (1kg)

$3.19 £2.40

$3.17 £2.39

0.63%

Banana (1kg)

$1.48 £1.12

$1.45 £1.09

2.07%

Oranges (1kg)

$2.03 £1.53

$3.13 £2.36

-35.14%

Tomato (1kg)

$3.26 £2.45

$3.41 £2.57

-4.40%

Potato (1kg)

$1.38 £1.04

$1.67 £1.26

-17.37%

Onion (1kg)

$1.79 £1.35

$1.77 £1.33

1.13%

Lettuce (1 head)

$1.40 £1.06

$1.43 £1.08

-2.10%

Water (1.5 liter bottle)

$1.17 £0.88

$1.87 £1.41

-37.43%

Cigarettes 20 Pack (Marlboro, Camel)

$23.32 £17.55

$23.91 £17.99

-2.47%

Wine (Bottle)

$10.47 £7.88

$13.48 £10.14

-22.33%

Local Beer (0.5 liter bottle)

$2.22 £1.67

$3.08 £2.32

-27.92%

Imported Beer (0.33 liter bottle)

$2.50 £1.88

$4.39 £3.31

-43.05%

One-way Ticket (Public Transport)

$3.90 £2.93

$4.08 £3.07

-4.41%

Public Transport Monthly Pass (Regular Price)

$252 £190

Taxi Start (Normal Tariff)

$5.22 £3.93

$5.74 £4.32

-9.06%

Taxi (Normal Tariff) (1km)

$3.35 £2.52

Taxi 1hour Waiting (Normal Tariff)

$57.2 £43.07

Gasoline (1 liter)

$1.93 £1.45

$2.08 £1.57

-7.21%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$38.1K £28.7K

$38.0K £28.6K

0.38%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$41.0K £30.8K

$40.4K £30.4K

1.40%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$263 £198

$387 £291

-32.11%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$13.29 £10.00

$18.57 £13.98

-28.43%

Internet (50+ Mbps, Unlimited Data)

$35.87 £27.00

$40.69 £30.62

-11.85%

Gym Membership (Monthly)

$52.7 £39.69

$57.6 £43.33

-8.39%

Tennis Court (1 Hour on Weekend)

$18.44 £13.88

$19.75 £14.87

-6.63%

Cinema Ticket

$13.07 £9.84

$18.33 £13.79

-28.70%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$2,137 £1,609

$2,957 £2,225

-27.71%

International Primary School, 1 Child (Yearly)

$29.9K £22.5K

$35.9K £27.0K

-16.70%

Jeans (Levis 501 Or Similar)

$52.7 £39.69

$119 £89.4

-55.60%

Summer Dress (H&M, Zara, etc)

$40.02 £30.12

$56.3 £42.35

-28.88%

Sport Shoes (Adidas, Nike)

$87.4 £65.8

$131 £98.5

-33.24%

Men's Leather Business Shoes

$93.0 £70.0

$165 £124

-43.50%

1-bedroom Apartment, City Center (Monthly)

$1,945 £1,463

$2,811 £2,116

-30.83%

1-bedroom Apartment, Outside City Center (Monthly)

$1,864 £1,403

$2,291 £1,724

-18.64%

3-bedroom Apartment, City Center (Monthly)

$3,308 £2,489

$5,185 £3,902

-36.21%

3-bedroom Apartment, Outside City Center (Monthly)

$3,400 £2,559

$3,805 £2,864

-10.66%

Buy Apartment in City Center (m2)

$17.7K £13.3K

Buy Apartment Outside City Center (m2)

$7,255 £5,460

$8,405 £6,325

-13.67%

Average Monthly Net Salary (After Tax)

$4,565 £3,436

$5,070 £3,816

-9.96%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.4

4.79

12.73%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Surrey: October 27, 2026

Last update for London: October 26, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Surrey

$1.9K 61.6%

London

$2.3K 56.1% 22.9% $427

Eating Out

Surrey

$334 11%

London

$396 9.7% 18.7% $62

Monthly Utilities & Internet

Surrey

$312 10.3%

London

$446 10.9% 43.1% $134

Groceries & Markets

Surrey

$293 9.7%

London

$356 8.7% 21.4% $63

Clothing & Footwear

Surrey

$123 4.1%

London

$212 5.2% 72.3% $89

Sport & Entertainment

Surrey

$79 2.6%

London

$94 2.3% 19.4% $15

Getting Around

Surrey

$21 * 0.7%

London

$291 7.1% 1299% $270

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A central one-bedroom costs $1,945 in Surrey versus $2,811 in London. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 11% higher in London, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $59 in Surrey versus $107 in London. Monthly groceries follow the same trend: $293 vs $356 – making Surrey the more affordable choice for daily food spending.

Good to know

🇬🇧 Surrey

🇬🇧 London

🕒 Local time

13:05 1:05 PM

Same time as Surrey

🌤 Weather

👥 Population

585

8,908,083 Capital

💱 Currency

British Pound GBP £

📈 Exchange rate

1 GBP = 1.33 USD

1 GBP = 1.19 EUR

1 GBP = 1.33 USD

1 GBP = 1.19 EUR

Exchange rates and currency converter

On the map

Lowest

Highest

Between locations

Surrey London 30 km

From you

Surrey
London

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Surrey vs London: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $3,025 in Surrey, $4,086 in London – roughly 35% apart. Outside of rent, the biggest gap is in transport.

For a comfortable life, plan on about $4,538 per month in Surrey and $6,129 in London. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Surrey, especially for central apartments: a one-bedroom in the center costs $1,945 there versus $2,811 in London.

Monthly expenses with rent come to $3,025 in Surrey and $4,086 in London. That’s a gap of about 35%.

Kindergarten costs $2,137 per month in Surrey and $2,957 in London. For families with young kids, this one expense can tip the scales when choosing between the two cities.

$2,500 is a stretch for both – monthly costs hit $3,025 in Surrey and $4,086 in London. You’ll need shared housing and careful budgeting no matter which city you pick.

Families tend to lean toward Surrey – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

If budget matters most, go with Surrey. If higher salaries, better infrastructure, or specific career opportunities are the priority, London makes more sense. Both are solid long-term options with distinct trade-offs.