Most affordable London commuter towns of 2020 revealed with homes near Gatwick Airport coming out top and Oxshott in Surrey most expensive

  • Online mortgage broker Trussle analysed house prices, mortgage payments, rail season tickets and peak commuting times across more than 350 towns

  • Homes close to Gatwick Airport ranks first thanks to low house prices and reasonable commuting costs, with the Surrey town of Oxshott most expensive

  • Research reflects the 2.7% rail fare increase, which comes into force today 

London, 2 January 2020 – The area around Gatwick Airport has been identified as 2020’s most affordable London commuter town, in a list created by mortgage broker Trussle.

The new list comes as rail fares go up by 2.7% across the UK¹, pushing annual season tickets up by more than £280 for those commuting from the outer edges of London’s commuter belt.²

The analysis looked at house prices, typical mortgage costs and rail season tickets in 350 towns within a 75-minute direct rail journey of central London. This was used to produce a rank of the ten best value commuting towns and the ten least affordable locations. 

Homes in the Gatwick Airport area, which is first in the list, are currently valued at an average of £172,148³, almost £300,000 below the average London house price of £472,000⁴. While aircraft noise may be an issue, the excellent transport links mean a round-trip commute to central London of just 70 minutes at peak-times. An annual season ticket now costs £3,336 which means a total monthly mortgage and travel cost of just £830.29.

For those who want to avoid living so close to an international airport, the riverside Essex town of Tilbury may appeal. With an average house price of £243,714, a round-trip commute to central London of 82 minutes, and an annual season ticket cost of £2,516 – the total monthly cost works out at £991.56.

The most expensive commuter town is the Surrey town of Oxshott, well known for being popular amongst Premier League footballers⁵. A round-trip commute of just 70 minutes and an annual season ticket cost of £2,552 might help to explain the area’s popularity. However, an average property price of £1.92 million gives a  total monthly cost of £6,375.

Commuters living in the market town of Chippenham face the most expensive annual season ticket at £10,312 – with a total round-trip commute of 122 minutes. With average house prices of £346,927 – commuters face a total travel and mortgage monthly cost of £1,972.

Those living in Swindon face a 99-minute round trip commute and pay £772.67 per month for an annual rail season ticket. This is just £65 less than the town’s average monthly mortgage payment of £838 – based on the average house price of £261,262. This equates to a total monthly cost of £1,610.

Miles Robinson, Head of Mortgages at Trussle commented: “While many may choose to live outside London for a better quality of life, others look to the commuter belt to get more for their money.

The reality is that despite the slowdown in the capital’s house prices, buying the perfect home in London is out of reach for many. However, for those considering to move out of London, it’s crucial that they take into account  the cost of getting into the city for work. 

With some annual season tickets costing more than £10,000 – it’s worth doing proper research to see both how long the commute is and how much it will cost.”

*See methodology and Notes to Editors for further information.

– ENDS –

Notes to editors

For further information, please contact:

We’ve taken extra care to ensure the information provided within this release is presented in a way that’s compliant with regulatory requirements. If you have any questions about how to repurpose this information or require any further assistance, please contact Katie Halfhead at Trussle.


The 350 towns were identified using the National Rail London & South East railcard map. Each town is within a 75-minute, direct one-way journey during the morning and evening peak.

All commuting times were calculated using the National Rail journey planner using the shortest direct route departing between 7am and 8am and returning between 5.30pm and 6.30pm

All rail fare prices were calculated using the National Rail season ticket engine

All house prices were sourced from Zoopla’s live current house value engine in December 2019.

Mortgage values were calculated using the typical first-time buyer Loan-to-value ratio of 78% - according to UK Finance. Repayments were calculated using the cheapest 2 year fixed rate deal, using an LTV of 78%. As of December 18th 2019, this was with Platform at an initial rate of 1.74%

1. Source:

2. Calculation: Chippenham season ticket rises from £10,028 in 2019 to £10,312 in 2020. Increase = £284 3. Source: as on 20.12.2019

4. Source:

5. Source:

About Trussle

Trussle helps people love their journey of owning a home. We’re the online mortgage broker helping you wherever you are on the ladder.

See how much you could borrow or save in minutes. Whether you're looking at homes for the first time, or you're looking to remortgage for the fourth time. Our quick online calculators will help you take the next step on your home ownership journey.

Say goodbye to paperwork, long phone calls, and being left out of the loop. Say hello to a quick, jargon-free, personal service that you can access from anywhere at any time. We’ll help you find and secure your mortgage entirely online.

Relax while we ensure you're always on the right deal. We compare your mortgage with the latest deals on the market every day, and we’ll alert you the moment it's time to switch to a more suitable deal. That way, you'll never pay more than you should to own your home.

In September 2016 Trussle launched an industry-first partnership with online property portal Zoopla, making it possible to find and buy a home in one seamless experience. Trussle is backed by some of Europe's leading technology investors including Orange Growth Capital, LocalGlobe, Ed Wray (founder of Betfair), Ian Hogarth (founder of Songkick), Seedcamp, and Zoopla Property Group.

Trussle is a trading style of Trussle Lab Ltd, which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority.

Your home may be repossessed if you do not keep up repayments on your mortgage.

More information can be found at

Trussle’s press pack is available here

What people are saying about Trussle...