Affordable Living Expenses in UK for Middle Eastern Students in 2025

The UK is a popular destination for students from the Middle East, offering world-class education and a multicultural environment. However, managing finances in a new country can be challenging. This guide provides a comprehensive overview of expenses, budgeting tips, and resources to help Middle Eastern students make informed decisions and enjoy a fulfilling experience in the UK.

What Will It Cost? Understanding Major Expenses

Before starting your journey, it’s important to understand the major expenses you’ll face as a Middle Eastern student in the UK. This insight will help you plan your budget effectively and ensure a stress-free study  experience.

Pre-Departure Costs:

Don’t forget these essential expenses before you head to the UK:

  • Visa application fee: This is a one-time fee, currently around  £490 for a Student visa.
  • Immigration Health Surcharge (IHS): This is an annual fee that allows you to access the National Health Service (NHS) during your studies. The current cost is £776 per year.

Tuition Fees:

Tuition fees are a significant expense, and the amount you pay will depend on the university you choose and the course you’re enrolled in. Undergraduate degrees generally range from £11,000 to £25,000 per year for international students, while postgraduate degrees can be even higher. It’s crucial to research tuition fees thoroughly on university websites before making your final decision.

Living Opportunities and their Expenses

Beyond tuition and pre-departure costs, finding your home away from home is essential for a comfortable student life in the UK. Here are the main accommodation options available to you:

  • University Housing: Many universities offer accommodation options for students, often in the form of halls of residence or student villages. These typically cost between £100 and £250 per week and often include utilities like electricity, water, and internet access. University housing provides a sense of community and convenience, especially for first-year students.
  • Sharing a House (Private Accommodation): Renting a house or flat with other students is a popular choice. This option generally costs between £150 and £300 per week, and you’ll share the costs of rent and utilities with your housemates. Sharing a house offers more independence and can be a great way to make friends.
  • Living on Your Own (Private Accommodation): If you prefer more privacy and independence, you can choose to live on your own in a studio flat or one-bedroom apartment. This option provides the most freedom but is also the most expensive, with costs ranging from £200 to £400 per week or more, depending on the location and size of the accommodation.

Tip: Start searching for accommodation early, ideally several months before your course starts. Consider living slightly outside the city center to potentially save on rent. Websites like Rightmove and Zoopla are popular platforms for finding private accommodation in the UK.

Food Expenses in the UK 

Food expenses can vary greatly depending on your eating habits and where you shop.

  • Cooking at Home: Cooking your meals at home is the most budget-friendly option. Expect to spend around £350 – £450 per month on groceries.
  • Ways to Save on Groceries:
    • Shop Smart: Compare prices at different supermarkets and take advantage of special offers and discounts
    • Buy in Bulk: Purchase non-perishable items like rice, pasta, and canned goods in bulk to save money.
    • Explore Local Markets: Visit local markets for fresh produce, often at lower prices than supermarkets.
    • Meal Prep: Plan your meals in advance and cook in batches to save time and money. Prepare larger portions and store leftovers for future meals.
  • Eating Out: While cooking at home is generally cheaper, it’s nice to treat yourself to a meal out occasionally. The cost of eating out can vary significantly, from around £10 for a quick meal at a cafe to £30 or more for a restaurant meal. Look for student discounts and special offers at local restaurants.

Transportation Costs in the UK 

Transportation costs will depend on your location and how you choose to travel.

  • Public Transport: In most cities, public transportation is the most convenient way to get around. Expect to spend around £50 to £100 per month on bus and train fares.
  • Student Travel Discounts: Take advantage of student discounts on travel passes. For example, the 16-25 Railcard offers a third off rail fares throughout the UK.
  • Alternative Travel: If you live in a smaller town or city, consider cycling or walking to save money and stay active. Many universities also offer bike rental schemes for students.

Additional Expenses to Consider

In addition to the major expenses mentioned above, remember to budget for these essentials:

  • Books and School Supplies: The cost of textbooks and stationery can vary depending on your course. Expect to spend around 0 £ to £100 per month. Consider buying second-hand books or renting them from the library to save money.
  • Phone and Internet: You’ll need a mobile phone and internet access to stay connected with family and friends and complete your studies. Shop around for the best deals and consider student plans, which often offer discounts. Expect to spend around £20 to £30 per month.
  •  Fun Activities: Socializing and entertainment are important parts of student life. The cost of these activities will depend on your interests and lifestyle. Look for free events, student nights, and budget-friendly entertainment options. Many museums and galleries offer free admission, and student unions often organize affordable social events.

Required Budget for a Comfortable Life in the UK

The total cost of living in the UK for middle students can range from approximately £ 1100 to £1,700 per month, depending on factors like location, accommodation choices, and lifestyle. Living costs in London will generally be more expensive than in other cities. By understanding your expenses and creating a budget, you can effectively manage your finances and make the most of your time in the UK.

Smart Spending | Tips for Managing Your Money

Now that you have a good understanding of the costs involved, let’s explore some practical strategies for managing your money effectively as a Middle East student in the UK.

Track Your Spending

Keeping track of your income and expenses is crucial for staying on top of your finances. With the Emma app, you can easily monitor your budget, categorize expenses, and gain insights into your spending habits. Similarly, Money Dashboard helps users track their spending across multiple accounts, set budgets, and get a clear picture of the financial situation. Whether you prefer using this app, a spreadsheet, or even a notebook, maintaining a record is important. This will help you identify areas where you can cut back and ensure you’re staying within your budget. 

Choose Affordable Accommodation

Accommodation is typically the biggest expense for students. Consider sharing a house with other students or opting for university housing to reduce costs. If you choose private accommodation, research different areas and compare prices to find the most affordable options.

Cook at Home

Cooking your own meals is significantly cheaper than eating out regularly. Experiment with different recipes, learn about new cuisines and make cooking a social activity by inviting friends over for potluck dinners.

Use Student Discounts

Your student ID is your passport to a world of discounts. Make sure to carry it with you and use it to get discounts on everything from transportation and food to entertainment and clothing. Many businesses offer student discounts, so always ask!

Get a Part-Time Job

As an international student, you’re allowed to work part-time during your studies. This can be a great way to supplement your income and gain valuable work experience. Look for part-time jobs on campus, in local businesses, or online.

Look for Scholarships

Many scholarships and financial aid opportunities are available for Middle Eastern students studying in the UK. Research scholarships are offered by the government. UK universities, and private organizations. Start your search early and apply well in advance of deadlines.

Understanding Exchange Rates

When transferring money from the Middle East to the UK, it’s essential to understand exchange rates. The value of the British Pound (£) fluctuates against currencies like the UAE Dirham (AED), Saudi Riyal (SAR), or Egyptian Pound (EGP). This means the amount of your home currency needed to buy one pound can change daily, impacting your overall budget.

Here’s what you can do:

  • Stay updated: Keep an eye on the GBP/PKR exchange rate. Many websites and apps (like XE.com or Google Currency Converter) provide current rates and historical data.  
  • Compare services: Don’t just use the first exchange service you find. Compare rates from different providers, including banks, money transfer operators (like Wise or Remitly), and online platforms. Look for the best exchange rate and lowest fees.  
  • Consider timing: If possible, try to exchange your currency when the pound is relatively weaker against the rupee. This will get you more pounds for your rupees.
  • Plan ahead: Factor potential exchange rate fluctuations into your budget. It’s wise to overestimate your expenses slightly to account for possible unfavorable changes in the exchange rate.

By being aware of exchange rates and using reputable services, you can ensure you get the most out of your money when transferring funds to the UK.

Seasonal Planning | Budgeting for the Year

Certain expenses, like heating bills in the winter and travel costs during holidays, can vary throughout the year. Factor these seasonal variations into your budget to avoid any financial surprises. Here’s how you can manage costs during key periods:

Winter: Heating bills rise in colder months (November to February), adding £30–£50 to utility costs. To save, use energy-efficient practices like heating only occupied rooms and sealing drafts. Invest in warm clothing and blankets; budget-friendly options are available at stores like Primark or online retailers.

Spring and Summer: Warmer months often bring travel and recreational expenses. Domestic trips by bus or train can cost £20–£100, while flights home may be expensive, especially during peak times. Book tickets early for discounts. Outdoor activities like festivals and day trips also require budgeting.

Holidays and Celebrations: Festivals like Eid, Christmas, or New Year’s may include costs for gifts, decorations, and events. Save by planning ahead and exploring affordable ways to celebrate.

Tips: Use budgeting apps to anticipate seasonal costs. Look for student discounts on travel and clothing, and start saving for holidays and winter utilities early. Proactive planning ensures financial peace throughout the year, letting you enjoy every season without stress.

Ready to Succeed in the UK?

A clear understanding of costs and smart budgeting will enable you to thrive as a Middle Eastern student in the UK. Proactive financial management ensures you can focus on your studies while enjoying this incredible chapter of life.

Frequently Asked Questions (FAQs)

Got any questions about our blog? Here’s everything you need to know!

1. How much does it cost to live in the UK as a Middle East student?

The cost of living in the UK for Middle East students can range from approximately £1,500 -£1,700 per month in London or £1,100-£1,400 per month in the rest of the UK in 2024. This includes expenses like tuition fees, accommodation, food, transportation, and other necessities. The actual cost will vary depending on your lifestyle, location, and spending habits.

2. What are the different types of accommodation available for Middle East students in the UK?

Middle East students in the UK have several accommodation options:

  • University-managed housing: Often in halls of residence or student villages, this option provides a sense of community and convenience, especially for first-year students.
  • Shared housing: Renting a house or flat with other students offers more independence and can be a great way to make friends and split costs.
  • Private accommodation: Living on your own in a studio flat or one-bedroom apartment provides the most freedom but is also the most expensive option.

3. How can I save money on food expenses in the UK?

Cooking at home is significantly cheaper than eating out. Here are some tips to save money on food:

  • Shop at budget-friendly supermarkets.
  • Explore local markets for fresh produce.
  • Plan your meals and cook in batches to save time and reduce waste.

4. Can I work part-time while studying in the UK as a Middle East student?

Yes, as an international student from the Middle East, you can usually work part-time while studying in the UK. You’ll typically be allowed to work up to 20 hours per week during term time. This can be a great way to supplement your income and gain valuable work experience.

5. What are some other ways to manage my finances effectively as a  Middle East student in the UK?

Here are some additional tips for managing your finances:

  • Track your spending using a budgeting app or spreadsheet.
  • Use your student ID to get discounts on various products and services.
  • Be mindful of exchange rates when transferring money from the Middle East to the UK.
  • Factor in seasonal variations in expenses, such as higher heating bills in the winter.

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