6 min read
Moving to London: What New Residents Need to Know
London isn’t governed as one city so much as 33 separate ones stitched together — which means the Council Tax bill, school admissions process, and bin day you get depend entirely on which borough you land in. Here’s what’s actually different about moving here, and what stays the same wherever you go.
General information, not advice. This guide explains how things typically work — it isn’t legal, financial or professional advice for your specific situation, and Reloca8 isn’t liable for decisions made based on it. Always confirm current rules directly with the relevant council, provider or government website before acting.
The short version
London is 33 separate local authorities (32 boroughs plus the City of London), each setting its own Council Tax and running its own bin collection and in-year school admissions — there is no single “London rate” for any of it. Water comes from one regional monopoly (Thames Water) regardless of borough. If you’ll be driving, check your vehicle against ULEZ (£12.50/day) and the separate Congestion Charge (£15/day) before you rely on it daily.
Council Tax varies more than most people expect
Greater London is home to roughly 9.09 million people across 33 local authorities — the 32 London boroughs plus the City of London Corporation — sitting alongside the Greater London Authority, which handles city-wide functions like transport rather than local services. Each borough sets its own Council Tax rate on top of the shared GLA precept, and the spread is real money, not a rounding difference.
Band D, including the GLA precept.
Those figures span different budget years because each council publishes its own — the point isn’t the exact number, it’s that Kingston’s bill runs well over double Westminster’s. Check the specific borough you’re moving into rather than assuming a neighbouring one applies, and see Reloca8’s Council Tax guide for how to notify your old and new councils.
One water company, whichever borough you choose
Unlike Council Tax, water doesn’t vary by borough. Thames Water is the sole regional supplier across London and the Thames Valley, serving around 16 million customers — and as with every UK regional water company, household customers can’t shop around for a different one. See Reloca8’s water supplier guide for getting the closing and opening readings right.
ULEZ and the Congestion Charge, if you're driving
If you plan to drive regularly, check your vehicle before you rely on it. The Ultra Low Emission Zone (ULEZ) charges non-compliant cars and vans £12.50 a day, operates 24 hours a day (except Christmas Day), and covers all 32 boroughs plus the City of London — not just the centre. The separate Congestion Charge is £15 a day within its own, smaller central London zone. Neither charge is tied to your address or DVLA registration the way Council Tax is — they’re tied to the vehicle and the route, so check both on tfl.gov.uk once you know your commute.
School admissions: one shared scheme, 33 local processes
For the main September intake, all 33 boroughs use the Pan-London Coordinated Admissions Scheme, which standardises the application timeline and paperwork regardless of which borough you’re applying to — a genuine convenience if you’re moving between boroughs with a child already at school age. Moving mid-year is different: there’s no pan-London in-year scheme, so you’ll apply directly to the local authority covering your new address. Reloca8’s in-year admissions guide covers that process in full.
Bin day is a borough decision, not a city one
Recycling and rubbish collection is set by each borough individually — some collect weekly, others fortnightly. Lambeth is one example of a borough running fortnightly rubbish collections. It’s a small thing, but it’s exactly the kind of detail that doesn’t transfer from your old address — check your specific borough’s website once you’ve moved in, rather than assuming your old schedule still applies.
What renting or buying actually costs right now
Average private rent across London was £2,253 a month in August 2025, up 5.7% over the previous 12 months, per the Office for National Statistics. That’s a citywide average — borough-level rents vary at least as much as Council Tax does, so treat it as a starting point for budgeting rather than a quote for any specific postcode.
Council Tax
Set per borough — check the specific council, not a citywide figure.
Water
Thames Water for the whole region — no supplier choice.
Driving
ULEZ (£12.50/day) and Congestion Charge (£15/day) are separate charges, both vehicle- and route-based.
Rent
£2,253/month average (Aug 2025) — varies widely by borough.
Whichever borough you land in, the admin is the same shape
Council Tax, the electoral roll, your GP, insurance — every London move touches the same checklist, just with different borough contacts each time. A free Reloca8 account compares new-customer broadband and energy deals at your new address, prepares pre-filled Council Tax and electoral roll notices for your specific borough, and tracks the rest on one dashboard.
Start your move checklistSources
Disclaimer. Council Tax figures are shown for specific named boroughs, as published by each council for the year stated, purely to illustrate that rates vary by borough — always check your own borough’s current rate directly, since councils revise rates annually and this page is not updated on that cycle. Reloca8 is not a law firm, financial adviser, or government body, and accepts no liability for actions taken based on this guide — see our Terms of Service.