The ranking was compiled by credit card provider Aqua.
Reading’s appeal is driven by strong migration figures—nearly six per cent of residents have relocated from elsewhere—coupled with one of the fastest earnings growth rates at 8.3 per cent.
Scott Yule, commercial strategy director at Aqua, said: “With hybrid working continuing to be a preference for many, households are reconsidering where they live.
“Towns with shorter, affordable commutes, strong re-location rates and growing property markets are likely to see continued interest.
“From a financial perspective, these areas can provide a balance between lifestyle and long-term financial resilience, as commuters benefit from lower daily costs while still accessing higher-paying inner-city jobs.”
It sits alongside other top commuter towns including Luton, Swanley and High Wycombe, each offering their own appeal for London workers.
Luton led the list of up-and-coming commuter towns with a 37-minute train journey to St Pancras.
It has a 6.3 per cent re-location rate and house price growth of 6.4 per cent.
Swanley ranked second for its 38-minute commute to Victoria at a round-trip fare of £19.16.
High Wycombe came third, offering a 37-minute journey to Marylebone with a re-location rate of seven per cent—the highest among the top three.
Mr Yule said: “However, commuting costs can remain a key financial strain for many workers, particularly those travelling during peak hours and are needed in the office frequently.
“Planning ahead and exploring strategies to reduce these expenses, such as using season tickets, taking advantage of flexible travel schemes, or choosing towns with lower commuting costs, can help ease the burden.”