Cost of Living in Liverpool for Students in 2025: Full Breakdown

Imagine this: you’re settling into your new student life in Liverpool, excited about the vibrant culture, historic landmarks, and buzzing student scene. But then, reality sets in: how much is all of this going to cost? Whether you’re considering university halls or student residences, it’s essential to plan your cost of living in Liverpool carefully. This will ensure you can enjoy everything this dynamic city has to offer without financial stress.

For instance, understanding the top universities in Liverpool can help you choose student housing in areas with better accessibility to campus, potentially reducing transport costs and saving you time. Our premium student accommodation in Liverpool offers the convenience of staying near campus along with top-class amenities, giving you the best fit for your budget.

Being prepared for the financial side of student life will help you budget effectively and avoid unnecessary stress. For instance, London is 55% more expensive than Liverpool, while you’ll have to pay 16% more in Manchester. This makes Liverpool relatively affordable as compared to other student cities in the UK. But how far does that budget stretch, and what other costs should you be aware of?

In this guide, we’ll break down the key components of student living costs in Liverpool, including housing, transport, food, utilities, and entertainment. You will also find practical tips that will help you save money and make informed decisions about where to live in Liverpool and how to manage your expenses.

Is Liverpool a Nice Place to Live for Students?

When it comes to choosing the perfect city to start your university adventure, Liverpool stands out as an unbeatable option. Whether you’re drawn to its vibrant student life, the rich cultural scene, or academic excellence, the city offers a dynamic and fulfilling experience. Living in Liverpool means experiencing all that the city has to offer, without the hefty price tag of bigger cities like London. But don’t just take our word for it, let’s dive into why Liverpool should be your top choice for student living. For added tips to survive student life, check out the ultimate Liverpool city guide for international students.

• Affordable Cost of Living in Liverpool

Compared to other prominent UK student cities, the cost of living in Liverpool is notably lower, enabling students to enjoy an exciting city lifestyle without breaking the bank. Living costs in Liverpool are well within reach, with the average rent of Liverpool student halls ranging between £85 to £250 per week. The overall costs, however, will depend on the area and type of accommodation you opt for. Whether you choose to stay in university halls or purpose-built student accommodation in Liverpool, you’ll find plenty of affordable options to choose from.

• Easy and Affordable Transport Costs in Liverpool

Getting around Liverpool city is convenient and budget-friendly. The city has an extensive public transport system, and as a student, you can take advantage of discounted travel options. For instance, a bus pass for students in Liverpool will give you access to unlimited travel on buses throughout the city. This makes commuting between your accommodation, university, and social spots easy and pocket-friendly.

• Robust Student Culture in Liverpool

Living in Liverpool as a student is an experience like no other. With its lively nightlife, world-renowned music scene, and countless social spots, Liverpool city is an ideal place for students to thrive in all aspects of life. It offers endless opportunities to make unforgettable memories with new friends. It’s no surprise that students from all over the world flock here to experience a city that’s as fun as it is affordable.

• Reasonable Living Expenses Compared to Other Cities

One of the biggest draws of living in Liverpool is its relatively low cost compared to cities like London and Manchester. With affordable student accommodation, reasonably priced food, and inexpensive entertainment, students can stretch their budgets further. Additionally, with the average wage in Liverpool being lower than in London, you’ll easily find plenty of opportunities for part-time work. This will keep your pockets lined while you study, ensuring a high quality of life. 

• Plenty of Part-time Job Opportunities

Liverpool offers a range of part-time job opportunities that fit around student schedules. With a vibrant economy and a thriving service industry, it’s easy for students to find flexible work that helps cover their Liverpool living expenses while gaining some valuable work experience. The city’s job market is also perfect for those seeking internships or graduate roles after university. Check out our guide to part-time jobs in Liverpool to find the best opportunities for students.

• Best of Both Worlds: Education and Fun

From its historic landmarks to its renowned universities, Liverpool is one of the most exciting and diverse student cities in the UK. With top-tier universities like the University of Liverpool, Liverpool John Moores University, and Liverpool Hope University, students can expect world-class education in this iconic UK city. Whether you’re passionate about the arts, science, or business, universities in Liverpool offer several academic programmes that stand out globally. Liverpool city also provides students with a lifestyle that’s second to none. From historic museums to cultural hotspots and exciting nightlife, Liverpool enables you to study hard and play harder.

Liverpool Living Expenses at a Glance: Your Monthly Cost Breakdown

To give you an immediate overview, here’s an estimated monthly breakdown of student expenses in Liverpool.

Keep in Mind: These are averages, and your actual costs will vary based on your lifestyle and choices.

Liverpool Living Expenses: Student Housing

The largest chunk of your budget will go towards the rent for student housing. Students must consider student accommodation prices when it comes to managing their living costs in Liverpool. Liverpool student halls are likely to cost you anywhere between £350 to £1,250 per month. Student accommodation in Liverpool is available in a variety of forms, from university-managed halls to private rentals and purpose-built student accommodation (PBSAs). 

Each option has its own price range, benefits, and drawbacks. Understanding your choices will help you make the best decision on your budget and preferences. Whether you’re looking for a more social environment in university halls or prefer the privacy of your own space in private housing, Liverpool city has something for everyone.

Tip: Consider opting for non-en-suite rooms over en-suite or studio rooms if budget is a priority. While en-suite and studio rooms offer more privacy, non-en-suite rooms can be a significantly more affordable option.

Best Areas to Live in Liverpool for Students

When it comes to living in Liverpool, choosing the right area can make a big difference in your experience and living costs. The city’s diverse neighbourhoods offer various options that cater to different budgets and lifestyles. These best areas to live in Liverpool, offer proximity to universities along with convenient access to public transport, local amenities, and a thriving student community.

• Liverpool City Centre: Best for Ultimate Convenience

If you thrive on being in the heart of the action, then Liverpool City Centre is your playground. Iconinc The Ascent provides luxury student accommodation in Liverpool with all-inclusive bills, placing you steps away from the Liverpool Institute of Performing Arts.

Liverpool city centre provides easy access to the top universities, shops, and vibrant nightlife. While the average rent in Liverpool city centre is higher, the central location justifies the cost for many students.

• Edge Hill: Best for Budget-friendly Living 

Looking for a balance between affordability, accessibility, and peace? Edge Hill offers just that. Queensland Place features modern student halls in Liverpool with excellent amenities, situated close to universities and public transport. This is a popular choice for students on a tight budget owing to its pocket-friendly rent prices.

• Georgian Quarter: Best for Electric Charm

For those who appreciate historic charm, the Georgian Quarter is a gem. The Electra student accommodation in Liverpool offers stylish apartments in a picturesque setting, just minutes from the city centre. While the living cost in Liverpool in this area can be higher, the unique ambience and proximity to cultural venues make it a desirable location for students.

• Baltic Triangle: Best for Creative Vibes

The Baltic Triangle is a creative hub with a youthful vibe. The area is best known for its arts scene, independent cafes, and live music venues. Hope Street Apartments is a contemporary student housing option in this trendy area. With moderate rent, this area offers a balance between cost and lifestyle.

• Crown Station Place: Best for Connectivity

Crown Station Place offers a convenient location with easy access to transport links. The Railyard is a top student hall in the area, offering modern living spaces for students that combine comfort with practicality. Even though the average rent in Liverpool in this area is competitive, it's an excellent choice for students who prioritise connectivity and value.

Tip: If you’re looking to save on rent, try looking at areas outside the Liverpool City Centre, like Wavertree or Kirkdale. These neighbourhoods offer budget-friendly student accommodation in Liverpool while being well-connected by bus routes. With a bus pass, students can easily commute to campus without the premium city centre prices.

Looking for prime student property in Liverpool? Check out our blog on How to Choose the Best Student Accommodation in Liverpool for in-depth insights and expert guidance.

Liverpool Food and Groceries Expenses: Eating Well on a Student Budget

Liverpool offers a vibrant culinary scene. With a bit of planning and budgeting, you can enjoy delicious meals without stretching your budget. On average, students spend around £150 to £400 per month on food and groceries in Liverpool city. This range depends on dietary preferences, shopping habits, and whether you cook in bulk or dine out frequently.

Grocery Costs

Here’s a table of common grocery items and their average costs in Liverpool:

Note: Prices are approximate and can vary based on availability, store, location, and market fluctuations.

Supermarkets: Where to Shop Smart

Liverpool boasts a variety of supermarkets catering to different budgets.

• Aldi and Lidl: Renowned for their affordability, Aldi and Lidl offer a range of products at competitive prices. Several students find them to be a cost-effective choice for their grocery needs.
• Tesco and Sainsbury’s: While slightly more expensive, these supermarkets in Liverpool offer a variety of quality products. They also often have student discounts or loyalty programs that can help you save over time.
• Marks and Spencer (M&S): While slightly more expensive, M&S is often praised for the quality and longevity of its produce.

Eating Out: Affordable Dining Options in Liverpool

Liverpool’s diverse food scene offers numerous budget-friendly dining options:

Note: These prices can fluctuate based on the establishment and location within the city.

Popular Places to Eat in Liverpool:

• Love & Rockets (52 Lark Lane, Aigburth): Known for its laid-back atmosphere and generous portions, Love & Rockets offers stone-baked pizzas, burgers, nachos, and salads.
• Big Lola’s Taqueria (493 Smithdown Rd, Wavertree): Serves up a range of Mexican street food dishes, including burritos, tacos, quesadillas, and churros at affordable prices.
• The Brookhouse (467 Smithdown Road): Offers pub classics like chicken tikka masala for £6 and sharing wing platters, with an impressive £1.90 pints on student nights.

Cooking vs Dining Out: A Budget-friendly Approach

Opting to cook at home can significantly reduce your food expenses.

• Batch Cooking: Preparing meals in bulk can save time and reduce food waste. Consider making dishes like pasta bakes, curries, or stews that can be easily reheated.
• Meal Planning: Organise your meals for the week to avoid impulse purchases and ensure a balanced diet. This approach can help you stick to your budget and minimise food waste.
• Utilise Campus Facilities: Make use of free hot water stations on campus to prepare beverages or instant meals. This can save you money on coffee and snacks.

Money Saving Tips

• Shop Together: Organise a regular big supermarket shop with housemates to share basic items. This can reduce costs and save space in your kitchen.
• Use Loyalty Cards: Take advantage of store loyalty programmes for discounts and rewards. Several supermarkets offer points or discounts for regular shoppers.
• Explore Local Markets: Visit local markets for fresh produce and unique ingredients at competitive prices. Places like Great Homer Street Market offer a variety of affordable options. 
• Shop Smart: Look for “yellow sticker” discounts on items nearing their sell-by date.
• Community Initiatives: Explore local food-sharing apps like Too Good To Go or join the Liverpool Community Grocery for affordable options.

Liverpool Transport Expenses: Navigating Liverpool on a Student Budget

Getting around Liverpool is both convenient and affordable, thanks to a well-connected public transport network and student-friendly discounts. Travel and transport in Liverpool city will cost you between £20 to £80 per month. The city’s public transport system is extensive and easy to navigate.

Whether you’re commuting to campus, exploring the city, or preparing for a night out, here’s what you need to know about transportation costs in Liverpool. By making informed choices and taking advantage of student discounts, you can manage your transportation costs effectively while enjoying all that Liverpool has to offer.

Bus Travel in Liverpool: Affordable and Accessible

For daily commutes, buses are a popular choice among students. The Arriva Student Bus Pass offers unlimited travel on all Arriva buses across Merseyside. This includes routes like the 699, which connects Greenbank Student Village to the University of Liverpool campus.

• Arriva Student Bus Pass:

• Academic Year Pass (1st September to May): £432
• Full Pass (1st September to June): £464
• Term 1 Pass (1st September to 31st December): £184
• Term 2 Pass (10th January to May): £253
• 10th January to 30th June Pass: £284

• Stagecoach Unrider Plus: Offers unlimited travel across Merseyside, including Liverpool, Wirral, and Chester. The annual bus pass for students in Liverpool is priced at £390, or £349 excluding summer months.
• Single Bus Fare: A single bus ride costs about £2, making it a cost-effective option for short trips.

Taxi and Ride-sharing: When You Need a Quick Ride

While buses are economical, there are times when you might prefer the speed and convenience of a taxi or a ride-sharing service.

• Uber: A 14-minute ride in Liverpool typically costs around £12.
• Traditional Taxis: For a 3-mile journey, expect to pay between £5 and £7 during the day. Night rates (11 PM to 6 AM) are higher, with a 3-mile trip costing approximately £9.25.

Cycling and Scooters: Eco-friendly Options

Cycling is a great option for short distances:

• LivCycle Bike Hire: University of Liverpool students can hire a bike for £60 per academic year, plus a £50 refundable deposit.
• Voi E-scooters: E-scooters for hire cost £1 to unlock and 20p per minute thereafter. Daily and monthly passes are also available. 

Money-saving Tips

• Walk When You Can: Liverpool City Centre and university campuses are located at walkable distances, allowing students to save on bus fares.
• Consider Cycling: Liverpool has many cycle lanes, making it safer and more convenient to cycle around the city.
• Utilise Student Discounts on Train Tickets: If travelling outside the city, consider using a 16-25 Student Railcard for discounted fares offering up to 1/3 off.
• Plan Your Journeys: Combine errands or plan your trips to minimise the number of journeys and save on transport costs.

Utilities and Other Student Expenses: Budgeting for Bills

When living in Liverpool, it is essential to consider utility costs and other expenses. If you opt for private accommodation or shared housing, you'll need to manage your bills separately. However, choosing to live in University halls or purpose-built student accommodation means your gas and electricity costs are covered within your rental package. Some of the most popular student accommodation in Liverpool also offer all-inclusive billing options, helping to ease the financial burden on students. Understanding these expenses will help you manage your living costs effectively.

A Breakdown of Utility Costs 

Utility bills typically include electricity, gas, water, heating, and internet. The average monetary cost ranges between £80 and £280 per month, depending on usage and the number of flatmates. It’s important to note that these costs can vary based on factors like the size of the property and individual usage habits.

Council Tax for Students

Full-time students in Liverpool are generally exempt from paying Council Tax. If you live in a property where everyone is a full-time student, you won’t need to pay Council Tax. However, if you share accommodation with someone who isn’t a full-time student, you will have to factor in the tax in your Liverpool living expenses, but the property may still qualify for a discount.

For instance,

• Council Tax may cost you anywhere between £1,609.12 to £4,827.36 annually, depending on your tax band.

• For every full-time student in the household, the bill may be reduced by 25%.
• It’s advised to apply for this exemption through the Liverpool City Council to ensure you’re not overcharged. 

Tips to Manage Utility Costs:

By being proactive and mindful of utility usage, students can effectively manage their living costs in Liverpool.

• Opt for all-inclusive rent: Where possible, choose student accommodation in Liverpool that includes utility bills to simplify budgeting.
• Be mindful of energy usage: Turn off lights when not in use and avoid overheating rooms to decrease electricity and gas consumption.
• Compare broadband deals: Collaborate with housemates to find the best internet deals, potentially saving on monthly costs.

Liverpool Social Life and Entertainment Expenses: How to Have Fun on a Student Budget

Living in Liverpool isn’t just about studying, it’s about experiencing the city’s vibrant culture, rich history, and lively social scene. Whether you’re into art, music, food, or just hanging out with friends, Liverpool provides a plethora of options to enjoy your student life without breaking the bank.

Socialising and entertainment in Liverpool will cost you anywhere between £50 to £200 per month, based on your lifestyle and how often you go out. Several bars and clubs offer discounted entry and drinks on specific nights for students, making budgeting easier. Be sure to keep an eye out for promotions at popular venues.

Activities in Liverpool

Liverpool is a treasure trove of attractions. Immerse yourself in contemporary art at the Walker Art Gallery or the Tate Liverpool. History enthusiasts can explore intriguing exhibits at the International Slavery Museum or the Merseyside Maritime Museum.

For those seeking calm, you’ll find plenty of things to do in Liverpool that provide a touch of nature. Sefton Park and Calderstones Park, for instance, have lush green spaces that are perfect for relaxation or a leisurely stroll.  The Liverpool Central Library is a must-visit as it boasts stunning architecture and panoramic views from its rooftop terrace. 

Affordable Nights Out in Liverpool

Liverpool’s nightlife is both vibrant and student-friendly. Areas like Hardman Street and the Baltic Triangle are dotted with pubs and clubs offering student discounts. You’ll also find tons of affordable dining options in Liverpool for students, like Moose Coffee and Kokoro. 

Venues such as The Magnet and The Flute are popular spots among students. For cinema lovers, chains like Odeon and Vue provide discounted tickets for students. Every music lover must visit the city’s famous Cavern Club, where The Beatles played. 

Sports and Fitness in Liverpool

Liverpool is a sports-fanatic city, with two professional teams, Liverpool FC and Everton FC. Everton FC fans must visit the Everton Lockup, featured on the team's logo, to witness how it ties Everton FC to its local heritage. As you explore the city, you’ll uncover many more fun and fascinating facts about Liverpool, its rich history, and culture.

Students wanting to discover their adventurous side can enjoy various activities like rock climbing and indoor climbing at sports centres like Liverpool Leisure Centre. Liverpool also hosts several annual sporting events like the Liverpool Marathon and the British Transplant Games.

Pro Tip: Take a ferry across the Mersey for mesmerising views of the city. 

Liverpool Study Materials Expenses: Investing in Your Education on a Student Budget

When budgeting for your time in Liverpool, don’t overlook the cost of course materials and study supplies. Depending on your course, you are likely to spend between £10 to £30 per month on textbooks, stationery, and digital resources. However, courses like medicine or engineering may potentially exceed this range. By being strategic and resourceful, you can manage your study-related expenses effectively, focusing on your academic success and enjoying all that Liverpool has to offer.

Tips to Save on Study Supplies in Liverpool

• Utilise Free Campus Resources: The University of Liverpool offers free access to Microsoft Office and has over 2,000 computers across the campus. Students can also borrow assistive technology if required.
• Go Digital: Opting for e-books and digital notes can significantly decrease costs. Several courses provide free or discounted digital resources. 
• Buy Second-hand: Purchasing used textbooks or sharing resources with peers can lead to substantial savings.
• Apply for Bursaries and Scholarships: Several universities in Liverpool offer hardship funds. You can check the Liverpool City Council for local grants.
• Budget Wisely: Allocate a small monthly budget for unexpected study-related expenses.

Pro Tips:

• Look for student discounts via UNiDAYS or Student Beans.
• Check if your university provides free licences for key software.

Liverpool Essentials Expenses: Staying Fresh and Healthy on a Student Budget

Managing personal care and health expenses is crucial for students in Liverpool. On average, students spend between £50 and £100 per month on essentials like toiletries, gym memberships, and healthcare services, depending on lifestyle choices. This category encompasses items like personal care toiletries, health and wellness services, gym memberships, and pharmacy expenses.

• Toiletries: Basic personal care items like shampoo, deodorant, toothpaste, and toilet paper typically cost between £10 to £20 per month. Budget-friendly options are available at stores like Boots and Superdrug.
• Laundry: If your Liverpool student accommodation lacks laundry facilities, a 9kg self-service wash costs around £5, with detergent prices at approximately £5 per litre. A service wash done for you will be around £10. Student halls like Fusion, Liverpool, located near City of Liverpool College, provide on-site laundry facilities at no extra charge.
• Haircuts: A standard haircut in Liverpool city typically ranges from £10 to £30, depending on the salon and services chosen.
• Gym Memberships: The University of Liverpool offers gym membership at the Sports and Fitness Centre at Greenbank for £143 per year. Private gyms around the city have average costs between £30 and £50 per month. A few Liverpool student halls, like Calico, Liverpool include access to an on-site gym at no extra cost.
• Pharmacy and Over-the-Counter Medications: Basic over-the-counter medications like cold medicine cost around £5 to £10. Pharmacies like Boots and Superdrug offer a range of health and wellness products at competitive prices.

Tips to Save Money:

• Utilise Student Discounts: Several retailers and services offer discounts for students, so always carry your Student ID.
• Choose Budget-friendly Options: Opt for generic or store-brand toiletries and personal care items to save money.
• Take Advantage of Free or Low-Cost Campus Services: Several universities in Liverpool offer free health services, fitness classes, and wellness programs to students.
• Plan your Wardrobe and Personal Care Purchases: Buying in bulk or during sales can help decrease costs over time.

Note: The Immigration Health Surcharge of £776 per year paid by international students as part of their visa application provides access to healthcare services through the NHS. This includes doctors’ appointments, hospital care, and prescriptions throughout your time in the UK. However, IHS does not cover dental or eye care, so you may want to look into private insurance if you’d like extra coverage for things like check-ups, glasses, or travel health.

Overall Budgeting Tips for Students in Liverpool

Managing your finances effectively is crucial for a stress-free student life in Liverpool. With the city’s affordable living costs, it’s possible to enjoy your university experience without overspending. By implementing smart budgeting strategies, you can ensure your finances stay on track throughout your studies.

Key Strategies:

• Create a Detailed Budget: Utilise tools like spreadsheets or budgeting apps to plan your monthly expenses. This will help in tracking income and expenditures, ensuring you live within your means. You can refer to our cost of living calculator to get an estimate of your average monthly spending as a student in Liverpool.
• Track Your Spending: Regularly monitor where your money goes. This practice can highlight areas where you can cut back, like dining out or impulse purchases.
• Utilise Student Discounts: Always ask if student discounts are available! Several retailers, restaurants, and services in Liverpool offer discounts to students, which can add up to significant savings over time. Platforms like UNiDAYS, Student Beans, and the NUS TOTUM card offer numerous deals across various stores and services. These discounts can range from fashion and food to tech and travel.
• Shared Accommodation Options: Sharing housing with friends or fellow students can significantly reduce rent and utility costs. Average rent in Liverpool for shared student accommodation ranges between £85 to £250 per week. This depends on location and type of housing.
• Opt for a Monthly Travel and Bus Pass for Students in Liverpool: Liverpool has an extensive and student-friendly public transport system. A student bus pass for an academic year costs £390 -£410, offering unlimited travel on buses across the city. You can also consider cycling or walking for short distances to save on travel expenses.
• Eat Homecooked Meals More Often: Preparing Meals at home is cheaper and often healthier than eating out. Supermarkets like Aldi, Lidl, and Tesco offer affordable groceries, and meal prepping can save both time and money.
• Consider Part-time Work: Several opportunities in Liverpool’s service industry can help supplement your income. Jobs in retail, hospitality, or campus facilities not only provide extra cash but also valuable work experience.
• Build an Emergency Fund: Even a small one can help with unexpected costs. Having a financial cushion can prevent stress during unforeseen situations like medical expenses or urgent travel needs.
• Prioritise Needs vs. Wants: Make conscious spending decisions. Differentiate between essential items and non-essential luxuries to avoid unnecessary expenditures. 

Navigating Liverpool Living Expenses as a Student

While budgeting is an essential part of student life, the good news is that living in Liverpool offers excellent value for money. Compared to other prominent UK cities, the cost of living in Liverpool is relatively low, making it easier for students to manage their finances without missing out on the rich experiences the city offers. Based on the feedback from the current international students at the University of Liverpool, estimated monthly living expenses range from £900 to £1,350.

From affordable groceries and entertainment to discounted transport options, Liverpool living expenses can be straightforward with a bit of planning. Whether you opt for university halls or shared student halls in Liverpool, the average rent here is generally more affordable compared to cities like London and Manchester.

With smart choices and proactive budgeting, students can truly thrive in this vibrant and welcoming city. From part-time jobs to student discounts and amenities, Liverpool city provides plenty of ways to stretch your budget further. So, is Liverpool a nice place to live? Absolutely! Especially when you’re armed with the right financial strategies.