The New State Pension is not higher in London; the standard rates are set nationally across the UK. The amount you receive mainly depends on your National Insurance record, including whether you have enough qualifying years and any contracted-out history. Check your forecast and State Pension age through the official GOV.UK service, which can also show whether paying voluntary National Insurance might improve your entitlement. If your income is limited, you may also qualify for Pension Credit or Council Tax Support, subject to your circumstances and local council rules.