The boyband members are the only two left in the north London flat provided to the group by Simon Cowell's record label Syco.
Harry Styles, Louis Tomlinson and Zayn Malik have moved out into homes of their own, but Horan and Payne remain in the flat that is largely paid for by their management, reports The Sun.
A source alleged: "Only Niall and Liam are left and they still pay just a fraction of the rent, with management picking up the rest of the tab.
"The rent they are paying is a token amount because their bosses want to teach them they'll have to pay all of their rent at some stage."
One Direction have unveiled the artwork for their new single 'Live While We're Young', released on September 30.
The track will feature on their upcoming second LP Take Me Home, released on November 12 in the UK and a day later in the US.