All down to your preferences.
Some people like living in larger houses in grimy areas. Others dont.
In terms of having a family, Croydon still has a lot going for it in terms of schools. The local Whitgift school is one of top boys schools in the UK. The average International Baccalaureate score is 39. This is what is required for oxbridge entry.
Otherwise there are some of the top grammar schools in the UK on your doorstep in Sutton.
Then there is the BRIT school if your child is into acting or singing. Adele, Jessie Jay, Emily Winehouse and Tom Holland all went to this school just to name a few.
Sure there is Knife Crime. But there is crime in London everywhere now. My friend, who works out on a regular basis and is over 6 foot tall, and an MD at a leading Investment bank, got mugged in front of his kids school in Marylbone. The guys waited for a parents evening and then attached him when he took a call and wasnt looking.
Lol walk to Covent Garden or soho... what for? Plus most polluted part of town.
With kids, I wouldn’t leave there even for free.Holborn is not great for kids, but still better than any of Hackney, Balham, Brixton, Shoredicth, Croydon etc...
Both are horrible with kids, with the difference that you could actually afford nicer places with the rent you pay in Holborn.
I would rather live in a 2bedroom flat in Holborn than in a mansion in Croydon.