Townleap

Cost of Living: New York vs London (2026)

United States vs United Kingdom — relocation comparison

Your passport:
New York
London
$4,281/mo
Rent

1BR centre

$3,000/mo
$40k/yr
Take-home savings

At each city's local median pay

$15k/yr
10 yr
PR path
5 yr
Tax breaks

Open incentive regimes for newcomers

4-year FIG regime (Foreign Income and Gains)
Freelance setup
Self-employed / Sole Proprietor
  • No VAT exemption
  • 15.3% social
  • €1000/yr accountant
WiseStripe
Sole Trader
  • VAT-free under €105k
  • 9% social
  • €600/yr accountant
WiseStripe

Sourced from Numbeo · Updated April 2026

TL;DRLondon is 30% cheaper on rent ($3,000/mo vs $4,281/mo). United Kingdom gets you to permanent residency 5 years faster (5 vs 10 years). Both are solid options for settling down — the spreadsheet won't save you from this one.
London edges ahead 61 to 56. New York isn't far behind — it depends what matters to you.
Household
New York
Metric
London
$997/mo
🛒
Living costs (no rent)
lower is better
$1159/mo
$13,582
🧳
Cost to land
lower is better
$9,238
58 / 100
🛡️
Settler safety
higher is better
82 / 100
3.9 / 100k
🔒
Homicides
lower is better
1.1 / 100k
14.2 / 100k
🚗
Road deaths
lower is better
2.4 / 100k
49 / 100
🚨
Safety Index
higher is better
45 / 100
82°F
☀️
Summer high
personal taste
72°F
30°F
❄️
Winter low
personal taste
39°F
162 Mbps
Internet speed
higher is better
87 Mbps
13.2 μg/m³
🌬️
Air quality (PM2.5)
lower is better
9.5 μg/m³
79 / 100
🏥
Healthcare
higher is better
82 / 100
7.8 / 10
🗳️
Democracy
higher is better
8.3 / 10
8.0 / 9
🤝
Migrant acceptance
higher is better
6.6 / 9
67 / 100
🏳️‍🌈
Rainbow Index
higher is better
52 / 100
100/100
🗣️
Street English
higher is better
100/100
$86k
💼
GDP per capita (PPP)
higher is better
$62k
2.9% · Boringly steady
📈
Inflation
lower is better
3.3% · Boringly steady
83/100 — Mostly stable
Grid reliability
higher is better
92/100 — Reliable
80/100
🗽
Freedom House
higher is better
92/100
A median Software Engineer in New York takes home $10,945/mo under Standard employee. In London: $7,241/mo under Standard employee.
$3,704/mo more in New York
🎯 London's 4-year FIG regime (Foreign Income and Gains) isn't modelled above — if you qualify, take-home would be $6,826/mo instead.
Each city pays its own median — Software Engineer gross via Levels.fyi / Eurostat. Moving changes your salary too; that's the point.
$191k
💰
Gross income
$117k
−$45k
🏛️
Income tax
Standard employee
−$26k
−$14k
🛡️
Social contributions
−$5k
$131k/yr
$11k/mo
💵
Take-home pay
$87k/yr
$7k/mo
−$91k
🏠
Cost of living
−$72k
$40k/yr
🐖
Annual savings
$15k/yr
Swap the local medians for your actual number

Sources: Numbeo · UNODC · Ookla · WHO · EIU · Gallup · World Bank · Freedom House · Updated April 2026

💰
Cost of Living
London
$1,280/mo cheaper on rent alone
🔒
Safety
London
1.1 homicides per 100k
🗳️
Democracy
London
8.3/10 EIU index
☀️
Weather
82°F vs 72°F summers
📋
Residency
London
PR in 5 years

Sun

How much sky you actually get

54% clear
Win
Spr
Sum
Fall
Sky clear
avg daytime
42% clear
Win
Spr
Sum
Fall
9.3h
Shortest day
Dec
7.8h
15.1h
Longest day
Jun
16.6h

Sun clocks out before 5pm in both cities come December. Plan accordingly.

Source: WeatherSpark (clear-sky share of daytime hours)

Settler Essentials

stable
Democracy trend
stable
improving
Inflation trend
improving
financemediatechfashion
Industries
fintechaibiotechcreative-tech
hub
Startup ecosystem
hub
Easy
🇺🇸 Your visa
Moderate
Moderate
EU visa
Moderate
Suspended
RU visa
Complex
Moderate
UA visa
Moderate
⚠️ Partner work rights are very limited
Spouse works
Partner can work immediately
Not recognized
Partner pathway
Recognized (2+ yr)
unmarried partner / civil partnership

Visa stamps:Easy <90 daysModerate 3–6 moComplex 6+ mo

Sources: EIU · Freedom House · Startup Genome · official immigration portals

Reproductive Rights

Because your body shouldn't need a visa too

On request
Abortion access
Broad social grounds
24 wk
Gestational limit
24 wk

Statutory 24-week-or-viability standard.

Requires two doctors' approval under Abortion Act 1967, but broadly available up to 24 weeks.

Source: Center for Reproductive Rights

LGBTQ+ Rights

Can you hold hands without doing a risk assessment first

Legal
Marriage
Legal
Joint adoption
Adoption
Joint adoption
Yes
Job protection
Yes
Yes
Hate crime law
Yes

New York vs London — Common Questions

Is New York cheaper than London?

London is cheaper. A 1-bedroom apartment in city centre costs around $3000/month there vs $4281/month in the other city (Numbeo data).

Which is safer, New York or London?

London is statistically safer based on UNODC homicide data. New York has a rate of 3.90 per 100,000 and London has 1.07 per 100,000.

Should I move to New York or London?

London edges ahead 61 to 56. New York isn't far behind — it depends what matters to you. See the full comparison above for rent, safety, internet speed, climate, and democracy scores to decide which city fits your priorities.

Is it easier to get residency in New York or London?

New York: US Employment-Based Green Card (complex process, Permanent residence). London: UK Skilled Worker Visa (complex process, Up to 5 years). See each city's profile page for full requirements.

Which has better weather, New York or London?

New York is warmer in summer (82°F vs 72°F). London has milder summers, which suits those who prefer cooler weather. Climate preference is personal — use the weather section above to compare seasons.

What's the cost of rent in New York vs London?

A 1-bedroom in the centre: $3000/month in London, $4281/month in New York (Numbeo). That's 30% cheaper rent in London.

Plot twist: other matchups exist

Maybe the real city was the comparisons we made along the way.

Let the algorithm judge you

2 min quiz — surprisingly accurate

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