5 areas within commuting distance of London with prices under £400,000

London might be bustling with culture, nightlife and foodie destinations, but it’s certainly not synonymous with affordability.

House prices in the capital famously exceed the national average, as in May 2025, they stacked up at £566,000, compared to £290,000 across England alone. Ouch.

So, if you’re looking to get on the property ladder but, understandably, can’t afford the lofty heights of London, you might consider swapping the big city life out for a commuter one. Trains are your new best friend.

Prices might be creeping up across many famous commuter spots, including the likes of St Albans, Harpenden, Brighton and Woking, but there are still plenty of places where the average is under £400,000.

After all, just think about how much reading you’d get done on the journey in. Noisy Northern Line and sweaty Central Line, who?

Mistley, Essex (£375,183)

Perched right on the River Stour in Essex is the unassuming village of Mistley, famed for its warm community feel, unique history, and efficient train lines into the centre of London.

It’s just over one hour away from Liverpool Street – simply hop on the service to Manningtree for one stop and change for the direct line. Goodbye, boiling hot Victoria Line.

If you’ve got a budget of up to £400,000, it’s firmly affordable too, as over the last year, data from Rightmove shows that the average house sold for £375,183.

The village has a fascinating backstory, as during the 18^th century, politician Richard Rigby drew up ambitious plans that envisaged it as a saltwater spa town. At the time, Mistley was relatively small, with only a port, a few warehouses and a small church, constructed in 1735.

Though his spa town vision never came into being, the Mistley Towers of the local church remain to this day, as do many Georgian structures along the high street, which are well worth a nosy.

It’s right by the seaside, too, with Manningtree Beach on the doorstep.

Southend-on-Sea, Essex (£341,050)

Speaking of Essex, Southend-on-Sea is also commutable from London – and is just shy of an hour from Fenchurch Street on the train. And with average house prices of £341,050 over the last year, it’s firmly under that £400,000 mark.

A typical British seaside destination, here you can indulge in a trip to the pier or opt for a day on the beach at either Shoebury East or Thorpe Bay.

There’s culture galore too, as Southend City Jam is the UK’s largest free street art festival, transforming the locality with colourful murals each and every August, while Waddle-on-Sea sees more than 100 penguin sculptures take over Southend. Just for fun.

Neighbouring Leigh-on-Sea is also a local favourite, inundated with galleries, independent shops and eateries, and a slightly quieter vibe than Southend.

The Old Leigh is a once-bustling fishing port that now hosts a selection of pubs and fish restaurants, including the authentic, rustic-style cockle shed as well as the sit-down OakTree vegan restaurant, La Sirena and The Boatyard.

There are plenty of beaches and green spaces around too, with long strolls on the sandy Bell Wharf Beach or a leafy walk around Oakwood or Blenheim Park.

St Neots, Cambridgeshire (£343,756)

Cambridgeshire certainly doesn’t have a shortage of quaint market towns, with the likes of St Ives, Chatteris, March, and Ramsey to choose from.

And, of course, Cambridge is the headline event, known for its history through the university, as well as the joys of punting and Chelsea Buns from the iconic Fitzbillies.

But, even though the average house price in St Neots is £343,756 and it’s just 56 minutes from St Pancras on the train, it often gets overlooked as a quieter version of its neighbours.

With sprawling green space, local coffee shops and a blossoming local community, though, it’s safe to say that there’s plenty of peace to be found here if you’re looking to keep a foot in London. Perhaps just don’t expect there to be a pumping nightlife scene.

With hectares of lakes and meadows, Paxton Pits Nature Reserve is a local favourite, while right in the centre of town, Riverside Park offers scenic views of the waterfront.    

Locals love it too, as over on the r/Cambridgeshire Subreddit, @ilikeyoualotl described the atmosphere as ‘wonderful’ and people as ‘friendly.’

‘There is always something going on in the town…there are markets every Wednesday and Saturday, with an arts and crafts market every other weekend,’ they added.

Banbury, Oxfordshire (£303,530)

Oxford might conjure up images of Gothic architecture, botanical gardens and university libraries, but there’s more to Oxfordshire (known locally as ‘Oxon’) than just the City of Dreaming Spires.

Around 25 miles north, Banbury’s average house prices over the last year have rested at £303,530, with trains into both Marylebone and Paddington taking just over an hour.

Undoubtedly, the countryside is the winning point for this North Oxfordshire spot.

Characterised by rolling green fields, there are plenty of circular walks around nearby Bodicote and Deddington, while the town centre also has Banbury Country Park, the People’s Park, and the (uniquely named) Spiceball Country Park.

It might not be quite as pretty as the picturesque Cotswold villages that surround it, but that hasn’t stopped locals enjoying it.

‘It’s cheaper than Oxford, the town centre is nice, [and] with more character than similar towns like Bicester or Didcot,’ @misguided_trousers previously penned in the r/Oxford Subreddit, adding that they felt Banbury gets an unfairly ‘bad rep’ simply because it’s not as ‘posh’ as other local areas.

‘It’s a decent location, has good transport links and very easy to escape to green spaces,’ @is_there wrote, while @Yoraffe lived there for two years and would ‘happily go back.’

Baldock, Hertfordshire (£350,368)

While Hitchin might be a popular commuter hotspot, particularly for those looking to move out of North London, there are other Hertfordshire market towns worthy of a moment.

Baldock is around 5 miles away and is considerably cheaper, with prices resting around a much cooler £350,368, compared to a much pricier £514,581.

The fastest trains will get you into St Pancras in 42 minutes, which isn’t too shabby considering a commute from inside London might rack up around the same.

It might be slightly quieter than Hitchin, but it has its own art gallery at Gallery 1066, while dating back to the 12^th century, the Baldock Market still takes over the centre every Wednesday with local produce.

Tipples aplenty are served up at The George, a 15th-century coaching inn, as well as The Buntingford Brewery and The Orange Tree. Ours is a gin and tonic, if you’re offering.

Do you have a story to share?

Get in touch by emailing MetroLifestyleTeam@Metro.co.uk.