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Pete Mugleston

Author: Pete Mugleston - Mortgage Advisor, MD

Updated: July 15, 2022

City life vs country life – which is right for you? If you live in a city, then you could be dreaming of quiet green landscapes and fresh air as a car flies past your window. But if you’re already living in the country, there’s also a strong chance you could be looking for the excitement of the city. Naturally, before settling on a location for a new property, it’s important to think carefully about the advantages and disadvantages of country living compared to city life to decide which one suits your individual preferences, tastes and needs.

A case for urban living

The city life can be renowned for it’s non-stop nature and liveliness, overflowing with opportunity around every corner which is ideal for some people.


The robust network of public transport in urban areas makes it much easier and cheaper to get from A to B. Trains, buses or taxis are more readily available meaning people in urban areas can save so much time getting where they need to go. You can even find yourself a short walk or cycle from where you might need to go, saving money and the planet.


Living in the city can mean everything is on your doorstep. You will get a huge choice of shops, libraries, gyms, restaurants and other leisure facilities. Some of these often have 24/7 access which is convenient for those working unsociable hours. There has also been a massive rise in online shopping, with more delivery options than ever around the cities.


For career minded people, a city life can be much more essential. You will find leading companies are usually based in cities meaning many roles are only available to those with easy access to urban areas. With a wide variety of roles, the city can offer more for people looking for a specific career path.

Something else to consider

Phone signal & internet
Whilst our communications infrastructure grows stronger everyday it still seems to be the case that you struggle for a phone signal out in the sticks. In cities you can now get strong phone and internet connection wherever you are meaning it’s easier to connect other people without any hassle.

Medical needs
Hopefully it doesn’t come to it, but help is just right around the corner in the city should you need it. Cities also have multiple bases for other emergency services such as police or fire reducing the response time.

City living does have its cons
As with anything, there are some aspects that could put some people off living in an urban area

  1. Congestion – more people means more cars and busier public transport, especially during rush hour
  2. Pollution/Litter – Sadly it’s inevitable that populated areas will suffer with littered streets along with air and noise pollution
  3. Expensive – It can be a much higher cost to buy in city because of demand. The city lifestyle can also find you digging deeper into your pockets

What about rural living then?

For some the thought of living in the countryside is a dream come true, and a welcome escape from the busy nature of urban life. That’s because there are numerous unique benefits to rural life that simply can’t be found in the busy city.

Less pollution
The countryside is renowned for having less pollution with fewer cars and smaller numbers of factories than the city. This means cleaner air and less noise which gives a sense of wellbeing away from the hustle and bustle of somewhere more urban. You may get stuck behind a tractor or a herd of cows, but there won’t be any tedious rush hour traffic in the countryside.

Reduced cost of living
In the UK, the closer you live to a city, generally the more you will pay for your property. Those used to paying city-centre prices will soon find that their salary stretches that bit further out in the countryside, with amenities also costing less.

Without doubt one of the best things about living in the countryside is surroundings. This enhanced countryside living, and the slow pace of life that accompanies it, can have a positive impact on wellbeing with amazing walking routes right on your doorstep.

With a lower population and a slower pace of life everyone seems to have time to get to know everyone in the countryside. Whether it’s a trip to a local business for fresh fruit and veg or a walk around the local area, you’ll soon start to remember those faces along the way.

Slower pace
As has been outlined in the above, city life can be busy and stressful. Rural neighbourhoods are generally safer, with lower crime rates and community watch.

What are the cons of rural life?

  1. Poor transport links – Unless you are lucky enough to work nearby you will need to be prepared for possible long daily commutes. A car would most likely be needed as buses and trains might not be as regular, or come to your area at all.
  2. Poor signal – If you currently live or have ever travelled to rural destinations you would have suffered the stress of having no signal. Also internet connection could be limited and the speeds will most likely be on the low side.
  3. Limited Facilities – Things could be cheaper, but you are limited to the amount of places to choose from for all your life’s needs. You may have your local shops, but travelling to a nearby town or city could be needed for certain things you may need.

FCA disclaimer

*Based on our research, the content contained in this article is accurate as of the most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms who are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs.

Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.

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