Roommates, Rent, and Realities: Cost of Living in Plymouth for Students

Plymouth isn't just known for its stunning coastline and maritime heritage, it's also a thriving university city that welcomes thousands of students each year. But how much does it really cost to live here? From budgeting your weekly grocery haul to securing reliable student accommodation in Plymouth, understanding the true cost of living is key to making the most of your student experience.

Still deciding if Plymouth is the right fit for you? Our pros and cons of living in Plymouth blog offers a balanced look at what life here is really like, from the perks of seaside living to the practical challenges students might face.

In this blog, we’ll break down everything you need to know, from rent ranges and utility bills to hidden extras like laundry, leisure, and transportation. Whether you're weighing up halls vs. private housing or wondering how much you’ll spend on takeout and textbooks, we’ve got you covered with real numbers and smart tips to stretch your student budget without missing out on the fun.

Student Life in Plymouth: Budget-Friendly Bliss

If you're looking for an affordable place to study, Plymouth's got you covered. You can live comfortably on £780–1,530per month, with all essentials included. Compared to London, it's a total bargain.

• Accommodation takes up the biggest chunk of your expenses, but it's still manageable.
• Food is reasonably priced, so you won't have to live on instant noodles (unless you want to).
• Transport is reliable and won’t drain your wallet.

Want a deeper look into what life’s really like here? Our student life in Plymouth blog explores everything from nightlife and study spots to local hangouts and hidden gems, perfect for getting a feel for the city beyond the budget.

Your Monthly Budget Reality Check

Wondering what student life in Plymouth might cost you month-to-month? Here's a quick snapshot to help you plan realistically.

Not sure which category you fall into, or curious how your lifestyle might affect your monthly spend? Try our cost of living calculatorto build a personalized budget in seconds. It’s quick, easy, and tailored for students.

Annual Breakdown

For a typical academic year (September to June):

• Tight Budget: £6,570–9,585
• Comfortable: £9,585–12,870

Considering staying over summer? Add approximately £2,190–4,290 to your annual total.
Note: Tuition fees not included.

Accommodation: Where Your Money Goes

Finding the right student accommodation in Plymouth means balancing cost, comfort, and lifestyle. Here's how each type stacks up:

University Halls

Perfect for first-year students who want a smooth start. These all-inclusive residences offer convenience, community, and a plug-and-play experience. You’ll get basic furniture, cleaning in shared areas, and the internet ready to go.

✔️All bills paid
✔️Internet included
✔️44-week academic term
✔️Ideal for making friends

Private Student Blocks (PBSA)

Stylish, secure, and stacked with amenities, PBSA has transformed student living in Plymouth. These contemporary residences cater to comfort and lifestyle, offering en-suites, studios, and even luxury options, all designed with students in mind.

What makes them stand out?

✔️ All-inclusive bills
✔️ Modern facilities
✔️ High security 

If you're weighing up costs, our blog on all-inclusive accommodation explains why bundled bills can be a smarter choice for stress-free student life.

Want to know why PBSAs are popular? Our guide on purpose-built student accommodation breaks down what makes these residences worth the investment, especially if comfort and convenience are priorities.

These blocks are especially ideal for students who value convenience and community. With everything sorted upfront, it's easy to focus on studies and social life. Curious about why so many students choose this route? Dive into why live in Plymouth student accommodation, it uncovers how PBSAs offer more than just a place to sleep; they create an environment for success.

House Shares

House sharing is a budget-friendly option that gives students greater independence. With more freedom and flexibility, it's perfect for those who prefer a DIY approach to student life.

✔️Bills usually include gas, electricity, water, internet
✔️Council tax exempt for student-only households

Thinking of house shares but not sure where to start? Explore our Plymouth student housing guide for expert tips on contracts, roommates, and more.

Where to Live

Plymouth offers diverse neighborhoods, each with its own student vibe. From late-night eats in Mutley to the quiet charm of Stoke, there's a place to match every lifestyle.

Not sure which area suits your vibe? We've got the full lowdown in our blog on best areas to live in Plymouth for students.

Looking for specific properties in these neighborhoods? Discover our top picks in top student properties in Plymouth, hand-picked options that combine quality, location, and value.

Food Costs for Students in Plymouth

Whether you're a seasoned meal-prepper or a fan of spontaneous café runs, your food budget in Plymouth depends on how you eat, shop, and snack. Here's what to expect:

Grocery Shopping

Your weekly shop could range anywhere from £25 to £50, depending on where you go and how often you actually cook:

• Budget stores (Aldi, Lidl): £25–35/week
• Standard chains (ASDA): £30–40/week
• Premium picks (Waitrose): £40–50/week

Weekly basics include:

• Bread, milk, eggs: £8–12
• Meat: £10–15
• Fruit & veg: £8–12
• Snacks: £5–10
• Cleaning essentials: £3–5

Pro tip: Shop just before closing to grab yellow sticker bargains, and use student discount apps to stretch your pounds further. Bulk-buying with housemates and visiting local markets for fresh produce are hacks students swear by.

Monthly Food Budgets

Your lifestyle shapes your costs. Here's how different types of students budget:

Feeling like treating yourself now and then? Our blog on student restaurants in Plymouth showcases affordable and tasty options, from pub grub to independent gems, so you don't blow your budget.

Eating Out

From fast food cravings to lazy brunches, here’s what you’ll spend:

• Meal deals: £3–5
• Fast food: £5–8
• Cafés: £6–10
• Pub meals: £8–12
• Chain restaurants: £12–18
• Independent eateries: £15–25
• High-end restaurants: £25–40

Craving a cozy study spot or caffeine fix? We've got your back. Check out our guide to cafes in Plymouth to find the best coffee corners and laptop-friendly tables across the city.

Food Hacks for Student Survival

A few tricks can make a huge difference:

• Cook clever: Batch cook your meals and stretch ingredients
• Use leftovers: Get creative and reduce waste
• Slow cookers: Great for budget-friendly meat dishes
• Learn the basics: A few good recipes go a long way

Getting Around in Plymouth

Whether you're dashing to lectures or planning weekend adventures, knowing your transport options in Plymouth can save both time and money. From reliable buses to bike-sharing schemes, here’s how students get moving, and where your pounds go.

Buses

Affordable and fairly frequent, Plymouth’s bus system is a go-to for students.

• Single Journey: £2.50–3.10
• Day Ticket: £4.50–5.00
• Weekly Pass: £18–22
• Monthly Pass: £55–65
• Student Discounts: 10–15% off

Want to master the bus routes, ticketing apps, and student-friendly tips? Dive into our transport system in Plymouth blog, it’s your complete guide to making public transport work for your schedule and budget.

Trains

Quick connections make train travel perfect for short getaways and commuting.

• Plymouth to Exeter: £8–15 return
• Plymouth to London: £25–80 (book early for deals)
• Local Trips: £3–8

Use your student railcard to cut costs and explore more of the Southwest. 

Cycling

For freedom and fitness, cycling is an excellent option—especially with Plymouth’s expanding bike-friendly infrastructure.

• Buy a bike: £100–400
• Annual Costs: £110–210 (maintenance, insurance, accessories)
• Beryl Bike Share: £1 + £0.05/min

Pro tip: Secure your bike properly and keep reflective gear handy for early lectures and late-night library runs.

Cars

Honestly? Most students skip car ownership unless absolutely necessary. Here's why:

Parking can be tricky, especially in student-dense areas like Mutley or Greenbank. Between the hassle and high costs, most stick to buses, trains, and bikes.

Social Life and Going Out in Plymouth

Plymouth’s student scene is buzzing, whether you’re a night owl, nature lover, or club-hopper, there’s always something happening. And it won’t break the bank either.

Night Out Costs

Student nightlife here is vibrant and wallet-friendly:

• Pre-drinks at home: £5–10
• Club entry: £3–8 (often free with student ID)
• Drinks at venues: £3–5 each
• Late-night food: £5–8
• Taxi home: £4–8 (cheaper when split)

For top tips on meeting people and making memories, our guide to student clubs in Plymouth has you covered, from sports teams to quirky hobby groups.

Free Stuff to Do

There’s no shortage of cost-free fun:

• Beach walks: Stunning views and salty air
• The Hoe: Insta-worthy sunsets and open skies
• Student Union events: £2–5 (bingo, quizzes, themed nights)
• Movie nights: £3–5

If you want to balance study with social time, check out student clubs and societies in Plymouth, a great way to meet people with shared interests and stay active between lectures.

Paid Entertainment

For a small spend, Plymouth delivers big value:

There’s always something going on, so if you're wondering how to fill your downtime, our things to do in Plymouth blog is your go-to list, from cultural attractions to adrenaline-fueled adventures.

Random Student Costs: What Else to Budget For

It’s not just rent and ramen, student life comes with plenty of other expenses. Here’s a handy breakdown to help you budget like a pro.

Study Essentials

Your brainpower deserves some backup! Whether it’s textbooks or pens, here’s what studying costs on average:

• Books: £100–300/year (tip: buy secondhand, rent online, or hit the uni library)
• Stationery: £30–50 (don’t forget highlighters, folders, notebooks)
• Printing: £50–100 (lecture notes, essays, group projects, yep, it adds up)
• Lab Fees: Varies by course (especially for science & tech degrees)
• Field Trips: £0–500 (some are free, some can get pricey, check your course details)

Our libraries in Plymouth blog breaks down the best study spaces, borrowing options, and digital resources available to students. 

Personal and Lifestyle Costs

Looking fresh and feeling good takes a few pounds each month:

Pro Tip: Use cashback apps and student discounts on grooming and fashion!

Health and Wellness

The good news? Healthcare in the UK is largely covered for students. Here's what might still cost you:

• NHS services: Free for full-time students
• Prescriptions: £9.65 each
• Dental care: £23.80 for basic treatment
• Eye tests: £20–100 (free at some opticians with student offers)

Don’t forget to register with a local GP and dental practice when you move in!

Seasonal Budgeting: Winter vs Summer Life

Just like your wardrobe rotates with the weather, your spending habits shift too. Here’s how each season affects a student’s wallet, and how to stay in control year-round.

Winter: Cosy… but Costly

Chilly mornings and festive evenings feel magical, but they come with added expenses:

• Heating bills: +£20–40/month (think longer showers and warm evenings)
• Indoor fun: +£30–50/month (streaming, snacks, subscription stacking)
• Holiday splurge: +£100–300 (gifts, travel, seasonal events, it adds up fast)

Feeling the heat from those winter bills? Our blog on tips to manage utility bills offers practical ways to reduce your gas and electricity costs without sacrificing comfort. From smart meter tricks to heating hacks, it's student budgeting made simple.

Summer: Sunshine Savings

When the days get longer, your bills get lighter, and life moves outdoors:

• Lower energy usage: –£20–30/month (windows open, heaters off, fans on)
• Outdoor activities: Parks, beaches, BBQs, most are free or budget-friendly
• Part-time work: Summer jobs are a great way to boost your savings or fund travel plans

Thinking of switching to a more affordable energy plan before the summer heat kicks in? Find out who tops the list in our cheapest energy suppliers in the UK guide, it’s packed with options tailored for students and renters alike.

International Students: Costs and Must-Knows for Life in the UK

Moving to the UK for university is exciting, but it comes with a few extra costs and logistics to tackle. Here’s a handy breakdown to help you plan your arrival, and settle in smoothly.

Visa and Arrival Costs

Starting your journey means sorting out legal paperwork and the first few essentials:

• Student Visa: £363
• Health Surcharge: £624/year (for NHS access during your studies)
• Airport Transfers: £25–50 (depending on location and service)

For step-by-step guidance, our UK student visa guide walks you through the entire process, from application tips to arrival checklists.

Setting Up in the UK

Once you arrive, setting up your everyday essentials should be high on the list:

• Bank Account: Free–£50 (some providers offer freebies and cashback)
• Phone Contract: £15–30/month (data deals vary)
• Accommodation Deposit: 1–6 weeks' rent upfront

Wondering which banks are best for international students? Our blog on top student bank accounts in the UK compares the most student-friendly options, featuring perks like low fees and budgeting tools.

Sending and Receiving Money

Managing money across borders can be expensive, unless you choose the right tools:

Need help choosing a reliable card for travel and transfers? Check out our top forex cards for students in the UK to save money on exchange fees, withdrawals, and international payments.

Money-Saving Hacks for Smart Student Living

Student life in Plymouth doesn’t have to be a financial juggle. With some clever choices and the right tools, you can cut costs, and even earn a little extra on the side.

Accommodation Hacks

Where you live impacts your budget big time. Here’s how to save smartly:

• Apply early for university halls to get the best rates
• Share your space, more flatmates = lower rent
• Live a little further out for cheaper housing and quieter surroundings
• Negotiate bills-included deals with landlords, it simplifies budgeting and prevents surprises

Food Budget Hacks

Eat well without overspending:

• Flash your student discount cards everywhere, from supermarkets to eateries
• Hunt for yellow stickers at closing time to snag markdowns
• Meal planning = fewer impulse buys and less waste
• Cook with housemates, shared meals save time and cash

Transport on a Budget

Cut down on your travel costs with these smart moves:

• Compare annual vs monthly passes to match your schedule
• Walk if it’s under 20 minutes, fitness bonus included
• Always ask for student travel rates
• Cycle medium distances, cheap and eco-friendly

Social Life Savings

Fun doesn’t have to mean financial regret:

• Go to student nights, discounted entry and deals
• Happy hours are your friend
• Host house parties instead of pricey club nights
• Look out for group deals and loyalty programs

Bonus Tip: Earn While You Save

Why stop at saving when you can boost your income too? We've rounded up the most flexible and rewarding ways to earn from your phone in our blog on top student earning apps for students, from survey platforms and micro-tasks to freelance gigs and cashback apps.

These apps help you turn spare time into spending money, right from your phone.

Getting Help: Student Support Options

Navigating financial challenges during your studies? You're not alone. There’s support from multiple angles, university programs, government schemes, and local initiatives, to keep your student life steady.

University Support

Your university offers a surprising range of help:

• Hardship funds for students facing financial struggles
• Emergency loans to cover urgent costs
• Financial advice sessions for better money management
• Job placement help so you can earn while you study

Government Schemes

Government-backed support can lighten the load:

• Maintenance loans ranging from £4,524 to £12,382 depending on your circumstances
• Grants for low-income families that don’t need to be paid back
• Council tax exemption for full-time students

Local Help

Community-level help is available too:

• Cost of living support tailored for students
• Food banks offering essentials
• Council support schemes such as travel discounts and rent subsidies

For comprehensive advice on applying for scholarships funded by the universities or the UK government, head to our UK scholarships guide, a must-read before the deadline season. It breaks down eligibility criteria, types of scholarships available, and how to make your application stand out. 

Part-Time Work While Studying

Balancing work and study can be a game-changer for your finances, your CV, and your confidence. Here's a quick guide to making the most of part-time opportunities.

Typical Student Jobs and Pay

Students in the UK have access to a variety of flexible job options. Some popular choices include:

• Campus roles: £9–14/hour, including library, admin, and student ambassador positions
• Retail work: £8.60–11/hour, from supermarkets to fashion outlets
• Hospitality gigs: £8.60–12/hour + tips—think cafes, bars, and event staffing
• Tutoring: £15–25/hour if you’re strong in academics or a niche skill

Not sure if it’s worth it? Discover how working part-time can boost your employability, financial independence, and personal growth in our benefits of part-time jobs as a student blog.

Work Limits You Should Know

To keep study front and center, universities often recommend the following weekly work hours:

• First year: 8–12 hours max
• Later years: 12–20 hours, depending on your coursework load
• International students: Up to 20 hours during term time, full-time during holidays (as per visa rules)

Studying in the Southwest? Explore local opportunities in our blog on part-time jobs in Plymouth, covering top employers, popular roles, and how to get hired fast.

Budgeting Tips for Students Who Want to Stay in Control

Want to avoid end-of-the-month panic? Smart budgeting keeps your student life stress-free and spending in check. Here's how to do it the easy way:

Budget-Friendly Apps

Take the guesswork out of where your money’s going:

• Monzo / Starling: Track daily spending and get instant notifications
• YNAB (You Need A Budget): A powerful tool for serious budgeters
• Student Budget Calculators: Quick way to plan ahead based on your income and costs

Pro tip: Set spending alerts so you never overspend on takeaways after 11 PM.

Build Your Budget Template

Start simple and build habits that stick:

• Work out your total income: grants, loans, wages, family support
• List fixed monthly costs: rent, phone bill, subscriptions
• Estimate variable expenses: food, fun, and spontaneous plans
• Set aside £200:£500 for emergencies: unexpected travel, repairs, or health costs
• Track spending weekly: small tweaks beat big regrets

Your Action Plan: Settling Smoothly in the UK

Whether you're packing bags or already unpacking in your student accommodation, having a clear action plan can ease the transition. Here's a step-by-step breakdown, plus a handy checklist to make sure you don’t miss a thing.

Before You Arrive

Start strong by prepping ahead of time:

• Research accommodation properly : compare prices, locations, and facilities
• Apply for student finance early: don’t miss crucial deadlines
• Compare bank accounts: look for student perks and no-fee accounts
• Start saving for setup costs: think bedding, kitchenware, travel, and deposits

Want the full checklist for your pre-arrival prep? Head to our student checklist for moving to the UK, it covers everything from documents to packing tips.

First Month To-Dos

You’ve landed, now it’s about getting settled and sorted:

• Open a UK bank account: you'll need one for rent, bills, and wages
• Apply for council tax exemption: students don’t usually pay this
• Find your nearest shops: local grocery, pharmacy, and essentials
• Download transport apps: for bus routes, train schedules, and ride-shares
• Track all spending: it’ll help you adjust quickly

Tip: Don’t forget to register with your GP and explore student discounts right away.

Ongoing Essentials

Stay on top of student life with these weekly and monthly habits:

• Review your budget weekly: minor tweaks save major stress
• Look for deals constantly: on food, transport, entertainment
• Plan meals and shopping lists: impulse buys will ruin your budget
• Join societies: social life + low-cost fun = win-win

Need a printable checklist or app-friendly planner? Just say the word and I’ll whip one up for you.

Plan Well. Spend Wisely. Thrive in Plymouth

Studying in Plymouth offers a unique balance of academic opportunity, coastal charm, and student-friendly living, but like anywhere, it pays to be financially savvy. From finding budget-friendly accommodation and tapping into local discounts to mastering transport options and meal planning, your cost of living can be comfortably managed with a little know-how.

And smart living goes beyond just finances, knowing your city is just as important. Whether you’re exploring vibrant neighborhoods, cultural hangouts, or local student spots, our Plymouth city guide helps you get the full experience. It's the perfect companion for students who want to settle in with confidence and enjoy all that Plymouth has to offer.

So, before you make your move or tweak your budget plan...

Discover your ideal accommodation with Best Student Halls, the go-to platform for affordable, student-friendly housing in Plymouth. From location tips to exclusive discounts, we’ve got everything you need to start strong and stay ahead financially.