Liverpool vs Manchester — which is cheaper for students?

Liverpool: +£505/mo
Manchester: +£500/mo
£5/month better off in Liverpool
£180 over 3 years

Monthly breakdown

LiverpoolManchester
Maintenance loan£1,171/mo£1,171/mo
Cheapest halls−£411/mo−£411/mo
Transport−£55/mo−£60/mo
Food (estimate)−£200−£200
Monthly balance+£505+£500
Work hours/week0 hrs0 hrs
Over 3 years+£18,180+£18,000
Loan rateStandardStandard

Based on maximum maintenance loan (household income under £25,000). Halls figure uses the cheapest option at any university in that city. 2025/26 rates.

The verdict

The financial difference between Liverpool and Manchester is small — just £5/month. Other factors (course quality, career outcomes, where you want to live) should carry more weight.

Universities in each city

Compare University of Liverpool vs University of Manchester →

Student stories

Manchester

Aisha's story

What it's actually like to be a student in Manchester

Read Aisha's story →

After university — what do graduates earn?

Estimated monthly take-home pay after income tax and National Insurance, at starting salary.

CareerLiverpoolManchester
Software engineer£2,394/mo£2,394/mo
Nurse (Band 5)£2,034/mo£2,034/mo
Teacher (M1)£2,093/mo£2,093/mo

Salaries in London are often higher, but so is the cost of living. Net financial position varies by career and employer. Starting salary figures. After-tax estimates only — excludes pension contributions.

Student guide to Liverpool →Student guide to Manchester →

Choosing between Liverpool and Manchester?

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