US vs UK: Where Is It Cheaper to Raise a Child?

New York vs London, broken down by category.

Published 2026-09-07 · Global KidCost Calculator

Is it cheaper to raise a child in the US or the UK?

Using New York (US) vs London (UK), both moderate public single child, birth to 18: New York is about $380,000 vs London about $270,000 USD. (Figures shift with neighborhood and lifestyle.)

New York ~$380,000 vs London ~$270,000 (moderate public, one child).

Where is housing cheaper?

Housing runs about $91,200 in New York vs $72,900 in London (birth to 18).

Where is education cheaper?

Public education is about $68,400 in New York vs $43,200 in London; the gap widens sharply if you choose private schooling in either country.

Which has better family support?

Both offer child benefits and tax treatments that vary by income; our estimates are gross and do not net out subsidies. Check local policy for your situation.

Frequently asked questions

Is it cheaper to raise a child in the US or the UK?

Using New York vs London (moderate public single child), New York is about $380,000 vs London about $270,000 USD, birth to 18.

Where is housing cheaper, US or UK?

Housing is about $91,200 in New York vs $72,900 in London over 18 years.

Where is education cheaper?

Public education is about $68,400 in New York vs $43,200 in London; private schooling widens the gap.

Do subsidies change the picture?

Both countries offer child benefits and tax credits; our figures are gross and do not net out local support.

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Methodology: See the Methodology page.
Data Sources: Modeled on publicly available cost-of-living data — see our Sources & References page.
Last Updated:
Disclaimer: 2026 structural estimates for planning only — not real quotes or financial advice.