St Albans, a quaint city just 26 miles north of Central London, boasts 16th-century cottages, Georgian mansions, and Edwardian villas. Its charming streets are bustling with commuters each weekday, making it a highly sought-after commuter town. In fact, OnTheMarket recently crowned it the best commuter town in 2024, citing its excellent transport links, nearby schools, and proximity to the capital. While these factors paint a picture of an idyllic lifestyle, the reality for many is far more complex.
As someone who grew up in St Albans and commuted to London in my early twenties, I can attest to the allure of this historic city. But there’s a hidden truth behind its charming façade: the exorbitant cost of living. St Albans has been named the most expensive city for first-time buyers outside London. The average asking price for a property sits at a staggering £635,680, with even small terraced homes selling for an average of £556,293. First-time buyers looking for a flat in the area can expect to shell out a hefty £391,964, resulting in a monthly mortgage payment of around £1,454 for a 35-year term.
During my time renting in St Albans, I experienced firsthand the escalating rental costs. Despite renting an apartment in the city center during the pandemic, my monthly rent was £1,100 for a two-bedroom flat. When I moved out, the landlord hiked the rent by a significant amount. This experience highlights the affordability challenges faced by those seeking to make St Albans their home.
While the average house price has dipped by 1% this year, it’s a drop in the bucket when starting prices are astronomically high. For those fortunate enough to afford the lifestyle, St Albans offers numerous attractions, making it a highly desirable location.
One of the biggest draws for families is the excellent education system. From prestigious private schools like St Albans High School and St Columba’s College to highly-rated state schools like St Albans Girls School and Sandringham, families have a wide array of choices for their children’s education.
St Albans is steeped in history, offering a fascinating glimpse into the past. The majestic St Albans Cathedral, perched atop Verulamium park, is a Norman masterpiece and the oldest site of continuous Christian worship in Britain. Explore the Roman ruins of the Amphitheatre, delve into the history of the city at the Verulamium Museum, or discover the Hypocaust, an ancient Roman underfloor heating system preserved within the park.
For those who enjoy shopping, St Albans offers a blend of high-end and independent boutiques. From luxury brands like Anthropologie and Reiss to more affordable options like New Look and Sports Direct, there’s something for everyone.
St Albans boasts an impressive selection of pubs, more than anywhere else in the UK. From the historic Ye Olde Fighting Cocks, Britain’s oldest pub, to lively options like The Six Bells, The Boot, and The Blacksmiths Arms, you’ll find plenty of options for a pint or a meal.
If you’re looking for a delicious breakfast, Hatch in Christopher Place is a must-visit. The Beech House offers an impressive and affordable dinner menu, while Veer Dhara, a favorite among celebrities, serves up delectable curries.
St Albans offers a delightful blend of history, culture, and modern amenities. However, its high property prices and cost of living make it a challenging place to settle for many. While it’s a fantastic choice for those who can afford it, the reality for those on a budget is that St Albans, despite its charm, remains a pipe dream.
