Money Logistics · Housing

Housing Abroad: On-Campus vs Off-Campus by Country.

"On-campus is more convenient, off-campus is cheaper" is the assumption most applicants start with. It's not reliably true anywhere, and in some cities it's backwards. Real weekly and monthly figures, by country, before you sign anything.

Written for admitted students deciding between university housing and private rentals.

Student accommodation building representing on-campus versus off-campus housing choices
Updated August 2026
Summary

Housing cost comparisons flip depending on the country. In the UK, university halls average £192.02/week versus £300-600/week private, but halls run 45-51 week fixed contracts. In the US, on-campus room and board averages $12,310-14,650/year against $6,000-9,600/year off-campus with roommates. Australia's on-campus rooms run AUD 250-650/week versus AUD 180-350/week for a share-house room. Singapore hostels cost SGD 300-800/month versus SGD 800-4,000+ private. Germany's dorms run €250-400/month all-inclusive versus €300-800/month for a shared WG flat.

Table of Contents
  1. Cost at a glance
  2. United Kingdom
  3. United States
  4. Australia
  5. Singapore & Germany
  6. Frequently asked questions

Cost at a glance

CountryOn-campusOff-campus / private
United Kingdom~£192/week average£300-600/week
United States$12,310-14,650/year$6,000-9,600/year (shared)
AustraliaAUD 250-650/weekAUD 180-350/week (share house)
SingaporeSGD 300-800/monthSGD 800-4,000+/month
Germany€250-400/month (all-in)€300-800/month + utilities

United Kingdom

University halls average £192.02 per week across the UK, working out to about £7,681 per year on a standard 40-week contract, and usually include heating, water, and internet. Private student accommodation runs higher, typically £300-600 per week, though private house shares can undercut this. In London specifically, halls run £200-450/week and private options push higher still.

Takeaway

Halls and purpose-built student accommodation typically use 45-51 week fixed contracts that charge even during holidays away, so compare total annual commitment, not just the weekly rate.

A university halls of residence contract and set of keys on a desk
Halls typically run 45-51 week fixed contracts — compare the total annual commitment, not just the weekly rate.

United States

On-campus room and board averages $12,310 per year at public universities and up to $14,650 at private ones. Off-campus housing with roommates is usually cheaper: $6,000-9,600 per year is typical when splitting rent three or four ways and self-catering, roughly 20-30% less than dorm costs once meals are factored in. The comparison isn't perfectly clean, though — dorm pricing usually covers the academic year only, while off-campus leases are commonly signed for a full 12 months.

Australia

On-campus accommodation runs AUD 250-650 per week depending on room type and university, and typically bundles in wifi, cleaning, utilities, and 24/7 security. Share-house rooms are usually cheaper on paper, AUD 180-350 per week, but once utilities and internet are added, a AUD 300 room can run closer to AUD 420 per week all-in. Sydney is the most expensive city for either option; Adelaide is among the most affordable.

Singapore & Germany

Singapore's university hostels cost SGD 300-800 per month and are usually the more affordable, more convenient option close to campus. Private rentals cost significantly more, from SGD 800 for a room in a shared HDB flat up to SGD 2,000-4,000+ for a private condo unit. In Germany, Studentenwohnheim dorms run €250-400 per month, generally all-inclusive of utilities and internet, while a WG (shared flat) room runs €300-800 per month plus utilities, with steep city-to-city variation — a WG room in Chemnitz might run €250-300 while the same in Munich runs €600-800.

Key takeaways

  • UK: halls average £192/week but run 45-51 week fixed contracts — compare annual totals, not weekly rates.
  • US: on-campus averages $12,310-14,650/year; off-campus with roommates runs $6,000-9,600/year.
  • Australia: on-campus AUD 250-650/week; share house AUD 180-350/week before utilities.
  • Singapore and Germany both show dorms/hostels as the clearly cheaper, more convenient option.

Frequently asked questions

Is on-campus or off-campus housing cheaper in the UK?

University halls average £192.02/week (£7,681/year on a standard 40-week contract), while private student accommodation runs £300-600/week. Halls are generally cheaper, but most run 45-51 week fixed contracts that charge even when students are away, so the true annual cost should be compared, not the weekly rate alone.

Is on-campus or off-campus housing cheaper in the US?

On-campus room and board averages $12,310-14,650/year. Off-campus housing with roommates typically runs $6,000-9,600/year, often 20-30% cheaper once shared rent and self-catering are factored in, though dorm pricing usually covers only the academic year while off-campus leases often run 12 months.

How much does student housing cost in Australia?

On-campus accommodation runs AUD 250-650/week depending on room type and city. Share-house rooms cost AUD 180-350/week, though total costs with utilities can run closer to AUD 420/week in expensive cities like Sydney.

How much does student housing cost in Singapore and Germany?

Singapore university hostels cost SGD 300-800/month versus SGD 800-4,000+/month for private rentals. Germany's Studentenwohnheim dorms cost €250-400/month all-inclusive, while shared WG flats run €300-800/month plus utilities, with significant variation by city.

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Written by the Araya Admissions Team

Araya strategists help international students plan realistic housing and living budgets across the UK, US, Australia, Europe, and Singapore. Last verified August 2026. Meet the team →

Sources & further reading

  1. Room types and fees, on-campus accommodation (official university guidance) — University of Newcastle, Australia
  2. How Much is Uni Accommodation? — Monzo