I am retired, live on a modest income in a v gritty part of London and I love it.
It is not a designated ‘naice’ area in MN terms but neither is it crime-ridden, and the public services are declining towards the lamentable provision that has been the norm in my wider family’s coastal rural idyllic for years! Difference being I can get to a choice of 3 top hospitals v easily on the free (O 60) excellent public transport rather than being nearly an hour away by road (no public transport)
Likewise I can get to a huge array of wonderful free activities, and because I live here I can take advantage of last minute theatre deals etc without having to plan.
I have lived in London for donkeys but there are still parks, neighbourhoods, new places to explore and visit.
Plus living at the epicentre of the rail network means it is easy to book cheap day returns for day trips, easy connections and fast trains for further destinations. Choice of airports if I go abroad. (I don’t, much, but the flexibility makes it more affordable). Easy public transport to the airport, no costly parking fees etc.
If you can find housing in your budget OP, go for it!