Authored by the expert who managed and guided the team behind the Indonesia Property Pack
Everything you need to know before buying real estate is included in our Indonesia Property Pack
Indonesia offers one of the most affordable retirement destinations in Southeast Asia, with monthly budgets ranging from $900 in quieter cities to $5,000 or more for luxury living in Bali or Jakarta.
In this blog post, we break down the real costs of retiring in Indonesia in 2026, including rent, utilities, food, healthcare, visas, and property prices.
We constantly update this article with the latest housing prices in Indonesia and cost-of-living data so you always have accurate numbers to plan your retirement.
And if you're planning to buy a property in this place, you may want to download our pack covering the real estate market in Indonesia.
Fact-checked and reviewed by our local expert
Daniel Rouquette 🇫🇷
CEO & Co-Founder at Villa Finder
How much money do I need to retire in Indonesia right now?
What's the absolute minimum monthly budget to survive in Indonesia?
The absolute minimum monthly budget for a foreign retiree to survive in Indonesia is around IDR 15 million ($900 or €850) in affordable cities like Yogyakarta or Solo, rising to IDR 22 million ($1,300 or €1,230) in expat-heavy areas like Bali or Jakarta where housing costs are significantly higher.
This bare-bones budget covers a basic rental room or simple apartment, local meals at warungs (traditional eateries), minimal air conditioning use, public transportation or ride-hailing, basic utilities, and essential visa costs, but it leaves almost nothing for emergencies or extras.
Living on this minimum in Indonesia means accepting significant trade-offs: you will likely live outside the popular expat neighborhoods, eat almost exclusively Indonesian food, skip Western restaurants and imported groceries, use fans instead of air conditioning most of the time, and have very limited funds for domestic travel, healthcare surprises, or social activities.
What lifestyle do I get with $2,000/month in Indonesia in 2026?
As of early 2026, a budget of $2,000 per month (IDR 33.6 million or €1,890) in Indonesia gives you a genuinely comfortable middle-class expat lifestyle in most parts of the country, though you will still need to make some choices about location and spending priorities in premium areas like Bali's Canggu or central Jakarta.
For housing, $2,000 per month allows you to rent a decent 1-bedroom apartment or small villa for IDR 10 to 18 million ($600 to $1,100 or €570 to €1,040) in neighborhoods like Sanur or inland Ubud in Bali, or areas like Kemang or Setiabudi in Jakarta, leaving enough for other expenses.
At this budget level in Indonesia, you can enjoy a mix of local and Western dining several times per week, join a gym or yoga studio, take occasional weekend trips to nearby islands like Lombok or Nusa Penida, and maintain a scooter or rely on ride-hailing apps without worrying about every expense.
The main limitation at $2,000 per month in Indonesia is that you will need to choose between prime location and premium amenities: you can have a pool villa in a quieter area or a modern apartment in a hot neighborhood, but probably not both without stretching your budget uncomfortably thin.
What lifestyle do I get with $3,000/month in Indonesia in 2026?
As of early 2026, a budget of $3,000 per month (IDR 50.4 million or €2,840) in Indonesia unlocks the lifestyle most retirees are actually hoping for: comfortable living in desirable neighborhoods without constant budget calculations or significant compromises.
For housing, $3,000 per month lets you rent a quality 2-bedroom villa with a pool in sought-after Bali areas like Canggu, Pererenan, or central Seminyak for IDR 18 to 30 million ($1,100 to $1,800 or €1,040 to €1,700), or a spacious modern apartment in Jakarta's Pondok Indah or a premium tower in SCBD with excellent facilities.
At this budget in Indonesia, you can eat at trendy cafes and international restaurants several times per week, hire a part-time housekeeper, take regular domestic trips to destinations like Labuan Bajo or Yogyakarta, maintain comprehensive health insurance, and still have breathing room for unexpected expenses.
The key upgrade from $2,000 to $3,000 per month in Indonesia is the freedom from constant trade-offs: you no longer have to choose between location and quality, and you can say yes to spontaneous plans without derailing your monthly budget.
What lifestyle do I get with $5,000/month in Indonesia in 2026?
As of early 2026, a budget of $5,000 per month (IDR 84 million or €4,730) puts you in the high-comfort tier of Indonesian living, while $10,000 per month (IDR 168 million or €9,470) represents true luxury by any local standard with access to the finest properties and services the country offers.
At $5,000 per month in Indonesia, you can rent a premium villa with staff in Bali's most desirable areas like beachfront Seminyak or Uluwatu for IDR 35 to 60 million ($2,100 to $3,600 or €1,990 to €3,400), or at $10,000 per month you can access top-tier penthouse apartments in Jakarta's Pakubuwono Signature or Four Seasons residences, or sprawling Bali estates with full household support.
In this $5,000 to $10,000 range in Indonesia, you gain access to premium international health insurance with broad hospital networks, a personal driver whenever needed, membership at exclusive beach clubs and golf courses, regular business-class travel within Asia, and the ability to hire full-time domestic staff including a cook, housekeeper, and gardener without financial strain.
How much for a "comfortable" retirement in Indonesia in 2026?
As of early 2026, a comfortable retirement in Indonesia requires IDR 30 to 42 million ($1,800 to $2,500 or €1,700 to €2,370) per month in affordable cities like Yogyakarta, Bandung, or Surabaya, and IDR 42 to 64 million ($2,500 to $3,800 or €2,370 to €3,600) per month in expat-heavy Bali or Jakarta.
We strongly recommend adding a 25% buffer (IDR 7.5 to 16 million or $450 to $950 or €425 to €900) on top of your comfortable budget each month in Indonesia, because housing renewals can bring sudden rent increases, healthcare costs come in unpredictable lumps rather than steady monthly payments, and your first year will inevitably include setup costs you did not anticipate.
A comfortable budget in Indonesia covers things that a survival budget simply cannot: quality health insurance with access to private hospitals, the flexibility to eat at Western restaurants without guilt, regular domestic travel to explore the archipelago, a proper gym or wellness membership, occasional visits home, and enough cushion that an unexpected expense does not derail your entire month.
How much for a "luxury" retirement in Indonesia in 2026?
As of early 2026, a luxury retirement in Indonesia starts at IDR 84 million ($5,000 or €4,730) per month and extends to IDR 168 million ($10,000 or €9,470) or more per month for those who want the finest properties, services, and experiences without any financial constraints.
A luxury budget in Indonesia covers premium villa rentals with private pools and staff for IDR 35 to 85 million ($2,100 to $5,000 or €1,990 to €4,730) per month, top-tier international health insurance costing IDR 12 to 18 million ($700 to $1,100 or €660 to €1,040) monthly, a full-time driver and household help, membership at exclusive clubs, and frequent fine dining at Indonesia's best restaurants.
The most popular neighborhoods for luxury retirees in Indonesia include Seminyak and Uluwatu in Bali for beach lifestyle, Ubud for those seeking culture and nature, Pondok Indah and Menteng in Jakarta for urban sophistication, and increasingly, quieter spots like Sanur which offer a more relaxed pace while still providing excellent amenities.
The real advantage of a luxury budget in Indonesia beyond comfort is optionality: you can fly home on short notice, access the best medical care in Singapore or Bangkok if needed, renovate or upgrade your living situation without stress, and say yes to experiences that make retirement genuinely fulfilling rather than simply affordable.
We have made this infographic to give you a quick and clear snapshot of the property market in Indonesia. It highlights key facts like rental prices, yields, and property costs both in city centers and outside, so you can easily compare opportunities. We’ve done some research and also included useful insights about the country’s economy, like GDP, population, and interest rates, to help you understand the bigger picture.
What are the real monthly expenses for retirees in Indonesia in 2026?
What is a realistic monthly budget breakdown by category in Indonesia?
A realistic monthly budget breakdown for a single retiree in expat areas of Indonesia typically allocates 35% to 55% to rent ($700 to $2,000 or €660 to €1,890), 15% to 20% to food ($300 to $650 or €285 to €615), 8% to 15% to healthcare ($160 to $450 or €150 to €425), 5% to 10% to transport ($100 to $200 or €95 to €190), and 5% to 10% to contingency.
Housing costs in Indonesia typically consume the largest share of a retiree's budget at 35% to 55%, which translates to IDR 12 to 34 million ($700 to $2,000 or €660 to €1,890) per month depending on whether you choose a simple apartment in a secondary city or a villa in Bali's prime expat zones.
Food and groceries in Indonesia generally take 15% to 20% of your monthly budget, meaning IDR 5 to 11 million ($300 to $650 or €285 to €615), with the wide range reflecting whether you eat mostly at local warungs or frequently visit Western restaurants and buy imported products.
The budget category that varies most dramatically based on personal choices in Indonesia is lifestyle spending, which includes dining out at upscale venues, domestic travel, fitness memberships, and entertainment, and can range from nearly zero for frugal retirees to 20% or more for those who want to fully enjoy what Indonesia offers.
What fees surprise foreigners most after moving to Indonesia?
The three fees that most commonly surprise foreign retirees in Indonesia are: rental deposits that often require 2 to 3 months upfront (IDR 20 to 60 million or $1,200 to $3,600 or €1,135 to €3,400), building service charges and sinking funds in apartments that can add IDR 1.5 to 4 million ($90 to $240 or €85 to €225) monthly on top of rent, and banjar (local community) fees in Bali villa neighborhoods that vary unpredictably by area.
When first arriving in Indonesia, foreigners should budget IDR 15 to 30 million ($900 to $1,800 or €850 to €1,700) for one-time setup and administrative costs including visa agent fees for initial KITAS processing, rental deposits, basic furniture and household items, motorbike purchase or long-term rental deposit, and the inevitable "learning curve" spending that comes with settling into a new country.
What's the average rent for a 1-bedroom or a 2-bedroom in Indonesia in 2026?
As of early 2026, average monthly rent for a 1-bedroom apartment in Indonesia ranges from IDR 4 to 25 million ($250 to $1,500 or €235 to €1,420) depending heavily on location, while a 2-bedroom typically costs IDR 7.5 to 50 million ($450 to $3,000 or €425 to €2,840) with the enormous range reflecting Indonesia's regional price differences.
For a 1-bedroom in Indonesia, the realistic range spans from IDR 4 to 10 million ($250 to $600 or €235 to €570) in affordable cities like Yogyakarta or Solo, to IDR 10 to 18 million ($600 to $1,100 or €570 to €1,040) in good Bali or Jakarta neighborhoods, up to IDR 18 to 25 million ($1,100 to $1,500 or €1,040 to €1,420) in prime expat hotspots like Canggu or Jakarta's SCBD.
For a 2-bedroom in Indonesia, budget retirees can find options at IDR 7.5 to 17 million ($450 to $1,000 or €425 to €945) in secondary cities, while Bali and Jakarta expat areas typically require IDR 20 to 42 million ($1,200 to $2,500 or €1,135 to €2,370), and prime locations with pools or premium amenities can reach IDR 42 to 50 million ($2,500 to $3,000 or €2,370 to €2,840) or higher.
The neighborhoods offering the best rent value for retirees in Indonesia include Sanur in Bali for its quiet beach atmosphere and established expat services, inland Ubud for culture and lower prices than coastal areas, Kemang in South Jakarta for good amenities at moderate prices, and cities like Bandung or Yogyakarta for those willing to trade expat infrastructure for significantly lower costs.
By the way, we've written a blog article detailing what are the latest rent data in Indonesia.
What do utilities cost monthly in Indonesia in 2026?
As of early 2026, total monthly utilities for a typical retiree apartment in Indonesia range from IDR 1 to 3.4 million ($60 to $200 or €57 to €190), with the wide variation driven primarily by how much air conditioning you use in Indonesia's tropical climate.
Breaking down individual utilities in Indonesia: electricity costs IDR 600,000 to 2 million ($35 to $120 or €33 to €115) monthly depending heavily on AC usage, water and trash typically add IDR 85,000 to 340,000 ($5 to $20 or €5 to €19), and these costs are calculated based on PLN tariffs published by the national electricity utility.
For connectivity in Indonesia, reliable home internet costs IDR 420,000 to 1 million ($25 to $60 or €24 to €57) monthly for speeds adequate for streaming and video calls, while a mobile phone plan with generous data runs IDR 85,000 to 250,000 ($5 to $15 or €5 to €14), making Indonesia quite affordable for staying connected.
What's the monthly food and transportation budget for one person in Indonesia in 2026?
As of early 2026, a combined monthly food and transportation budget for one person in Indonesia ranges from IDR 4.2 to 14 million ($250 to $850 or €235 to €805), with the enormous range reflecting whether you live like a local or maintain Western eating and travel habits.
For groceries when cooking at home in Indonesia, a single retiree can expect to spend IDR 2.5 to 5 million ($150 to $300 or €142 to €285) monthly shopping at local markets and Indonesian supermarkets, but this figure can easily double to IDR 5 to 8.5 million ($300 to $500 or €285 to €475) if you regularly buy imported cheese, wine, and Western specialty products.
Dining out in Indonesia offers extreme value at local warungs where meals cost IDR 25,000 to 65,000 ($1.50 to $4 or €1.40 to €3.80), compared to trendy cafes and Western restaurants in Bali or Jakarta charging IDR 170,000 to 340,000 ($10 to $20 or €9.50 to €19) per person, so a retiree who eats out frequently at mid-range venues should budget IDR 5.5 to 10 million ($350 to $600 or €330 to €570) monthly for food.
Transportation costs in Indonesia vary by location: in Jakarta, using MRT, TransJakarta buses, and ride-hailing apps costs IDR 1 to 3 million ($60 to $180 or €57 to €170) monthly as MRT fares are distance-based and affordable, while in Bali a combination of scooter rental at IDR 850,000 to 1.2 million ($50 to $70 or €47 to €66) plus occasional Grab rides typically totals IDR 1.3 to 3.4 million ($80 to $200 or €76 to €190) monthly.
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Can I retire in Indonesia if I want to buy property in 2026?
What's the average home price in Indonesia in 2026?
As of early 2026, average apartment prices in Jakarta sit around IDR 35.8 million per square meter ($2,130 or €2,015 per sqm) according to Colliers data, which translates to roughly IDR 1.6 billion ($95,000 or €90,000) for a 45 sqm 1-bedroom, IDR 2.5 billion ($150,000 or €142,000) for a 70 sqm 2-bedroom, and IDR 3.6 billion ($215,000 or €203,000) for a 100 sqm family unit.
The realistic price range for property in Indonesia spans from IDR 800 million to 1.5 billion ($48,000 to $90,000 or €45,000 to €85,000) for modest apartments in non-prime Jakarta areas or secondary cities, up to IDR 5 to 10 billion ($300,000 to $600,000 or €285,000 to €570,000) for premium apartments in Jakarta's CBD or quality villas in Bali's hotspots like Canggu or Seminyak.
For retirees in Indonesia, leasehold villas in Bali often offer the best value because you can secure a well-designed property with a pool for IDR 2.5 to 5 billion ($150,000 to $300,000 or €142,000 to €285,000) on a 25 to 30 year lease, which is typically more than enough for retirement planning and avoids the complexity of the corporate ownership structures required for foreigners to hold longer-term property rights.
Please note that you will find all the information you need in our pack about properties in Indonesia.
What down payment do foreigners usually need in Indonesia in 2026?
As of early 2026, foreigners buying property in Indonesia should plan for a down payment of 30% to 50% of the purchase price, meaning IDR 500 million to 2.5 billion ($30,000 to $150,000 or €28,000 to €142,000) for typical retiree-suitable properties, with many foreign buyers opting to purchase outright with cash to avoid the complications of financing.
Foreigners in Indonesia generally face more restrictive financing conditions than locals because standard Indonesian mortgages are typically unavailable to non-residents, so foreign buyers often rely on cash purchases, offshore financing arranged through private banking relationships in their home countries, or developer payment plans that effectively function as private financing with higher down payment requirements.
We have a document entirely dedicated to the mortgage process in our pack about properties in Indonesia.
What's the all-in monthly cost to own in Indonesia in 2026?
As of early 2026, the all-in monthly cost to own a typical property in Indonesia ranges from IDR 2.5 to 8.5 million ($150 to $500 or €142 to €475) excluding any mortgage payment, with apartments on the lower end and villas with pools and gardens on the higher end due to maintenance requirements.
The all-in ownership cost in Indonesia includes building service charges of IDR 850,000 to 2.5 million ($50 to $150 or €47 to €142) monthly for apartments, property tax (PBB) which typically works out to IDR 170,000 to 850,000 ($10 to $50 or €9.50 to €47) monthly when annualized, and maintenance reserves that should be budgeted at 0.5% to 1% of property value annually for condos and 1% to 2% for villas.
Monthly property tax in Indonesia (PBB) is relatively modest by international standards, typically IDR 170,000 to 850,000 ($10 to $50 or €9.50 to €47) when divided across the year, while HOA or building service charges in Jakarta apartments commonly run IDR 850,000 to 2.5 million ($50 to $150 or €47 to €142) monthly depending on the building's facilities and management quality.
The hidden ownership cost that catches new buyers off guard in Indonesia is the ongoing maintenance burden in tropical climates: humidity, salt air in coastal Bali areas, and heavy rain seasons mean that properties require more frequent repairs, repainting, pool maintenance, and garden care than buyers from temperate climates typically expect.
By the way, we also have a blog article detailing the property taxes and fees in Indonesia.
Is buying cheaper than renting in Indonesia in 2026?
As of early 2026, buying is often not cheaper than renting in Indonesia for foreign retirees: a property worth IDR 2.5 billion ($150,000 or €142,000) might generate rental income around IDR 8.5 million ($500 or €475) monthly (approximately 4% yield), but after accounting for service charges, maintenance, and transaction costs, the math frequently favors renting, especially in Jakarta apartments.
The typical break-even point where buying becomes financially advantageous over renting in Indonesia is generally 7 to 12 years depending on the property type and location, which makes purchasing most sensible for retirees who are certain they will stay long-term and who value the psychological benefits of ownership over pure financial optimization.
The key factors that make buying less attractive than renting for retirees in Indonesia include: modest rental yields of around 4% in Jakarta apartments as documented by Colliers, the complexity and legal costs of foreign ownership structures, the illiquidity of Indonesian property if you need to sell quickly, and the practical reality that renting for your first 6 to 12 months lets you truly understand neighborhoods before committing to a location.
We did some research and made this infographic to help you quickly compare rental yields of the major cities in Indonesia versus those in neighboring countries. It provides a clear view of how this country positions itself as a real estate investment destination, which might interest you if you’re planning to invest there.
What visas, taxes, and healthcare costs should I plan for in Indonesia in 2026?
What retirement visa options exist in Indonesia in 2026?
As of early 2026, the main retirement visa option in Indonesia is the Retirement KITAS (Kartu Izin Tinggal Terbatas), which costs approximately IDR 5 million ($300 or €285) in official government fees annually, though total costs including visa agent services typically reach IDR 10 to 18 million ($600 to $1,100 or €570 to €1,040) for the first year and IDR 8.5 to 14 million ($500 to $850 or €475 to €805) for renewals.
The key financial requirements to qualify for a retirement visa in Indonesia include: being at least 55 to 60 years old depending on the specific visa category, providing proof of pension or stable income of at least $1,500 to $3,000 monthly (requirements vary by source and visa type), showing a bank balance of at least $18,000 to $36,000 annually, having health and life insurance with minimum coverage of IDR 25 million ($1,500 or €1,420), and securing a one-year accommodation lease.
The typical annual visa renewal cost in Indonesia is IDR 5 million ($300 or €285) in official PNBP (state non-tax revenue) fees for the KITAS extension, plus agent fees of IDR 3.5 to 8.5 million ($200 to $500 or €190 to €475) if you use professional assistance, with the process requiring document submission, biometric registration at an immigration office, and typically taking 2 to 4 weeks to complete.
The most common visa mistake foreign retirees make in Indonesia is underestimating the documentation requirements and timelines: many arrive on tourist visas assuming they can easily convert to long-term status, only to discover they must exit the country, gather extensive paperwork including notarized documents from their home country, and work with a registered sponsor or agent to properly apply.
Please note that we keep this page updated with the residency pathways in Indonesia.
Do I pay tax on foreign income in Indonesia in 2026?
As of early 2026, if you spend more than 183 days in Indonesia within a 12-month period or clearly intend to reside there, you become an Indonesian tax resident and may owe Indonesian tax on your worldwide income, though the practical outcome depends heavily on tax treaties between Indonesia and your home country.
For common types of retirement income in Indonesia, foreign pensions are generally taxable for residents but may receive treaty relief, investment income like dividends and interest is typically taxable, and US Social Security benefits have specific treaty provisions that usually prevent double taxation, though the details vary significantly by country of origin.
Indonesia has tax treaties with over 70 countries including the United States, United Kingdom, Australia, Canada, and most European nations, which typically prevent double taxation and may allow you to claim credits for taxes paid in your home country, but the specific application requires professional advice based on your individual situation.
The single most important tax rule foreign retirees should understand before moving to Indonesia is the 183-day threshold: if you plan to spend more than half the year in Indonesia, you should consult with a qualified tax advisor in both Indonesia and your home country before you move, because becoming a tax resident without proper planning can create unexpected obligations and complications.
What health insurance do retirees need in Indonesia in 2026?
As of early 2026, most foreign retirees in Indonesia need private international health insurance costing IDR 2 to 7.5 million ($120 to $450 or €115 to €425) monthly depending on coverage level, age, and whether you want access to premium hospitals in Jakarta or the option to seek treatment in Singapore for complex cases.
Foreigners in Indonesia can technically access the public healthcare system through BPJS Kesehatan if they hold valid residence permits and register properly, but most expat retirees still maintain private insurance because BPJS facilities have referral requirements, variable quality, limited English-speaking staff, and wait times that make private hospitals the practical choice for non-emergency care.
A realistic total annual healthcare budget for a retiree in Indonesia is IDR 25 to 75 million ($1,500 to $4,500 or €1,420 to €4,260), which includes IDR 14.5 to 54 million ($850 to $3,200 or €805 to €3,030) for insurance premiums, plus IDR 3.4 to 8.5 million ($200 to $500 or €190 to €475) for out-of-pocket costs like deductibles, medications, dental care, and services not covered by your policy.
Buying real estate in Indonesia can be risky
An increasing number of foreign investors are showing interest. However, 90% of them will make mistakes. Avoid the pitfalls with our comprehensive guide.
What sources have we used to write this blog article?
Whether it's in our blog articles or the market analyses included in our property pack about Indonesia, we always rely on the strongest methodology we can and we don't throw out numbers at random.
We also aim to be fully transparent, so below we've listed the authoritative sources we used, and explained how we used them and the methods behind our estimates.
| Source | Why It's Authoritative | How We Used It |
|---|---|---|
| Statistics Indonesia (BPS) | Indonesia's official national statistics agency for prices and spending data. | We used BPS data to anchor realistic local cost-of-living benchmarks. We cross-checked our monthly budget ranges against Indonesian household spending patterns. |
| Bank Indonesia Exchange Rates | The central bank's official published exchange rate tables. | We used Bank Indonesia rates to convert all IDR figures into USD and EUR. We kept ranges wide enough to remain valid if exchange rates fluctuate. |
| Colliers Jakarta Apartment Q1 2025 | Global real estate consultancy with transparent research methodology. | We used Colliers data to pin down Jakarta apartment prices and rental rates per sqm. We translated these into realistic rent and purchase price ranges for typical unit sizes. |
| PLN Electricity Tariffs | Indonesia's national electricity utility with official published rates. | We used PLN tariffs to model realistic monthly electricity costs based on typical usage. We added buffers for heavy AC use in tropical climates. |
| MRT Jakarta Official Fares | The operator's own fare schedule for Jakarta's metro system. | We used MRT Jakarta fares to build realistic car-free transport budgets. We combined these with ride-hailing estimates for complete transportation costs. |
| Indonesia Official eVisa Portal | The government's authoritative visa application platform. | We used the eVisa portal to verify current visa categories and application processes. We treated third-party sources as secondary confirmation only. |
| PP 45/2024 Immigration Fees | Official government regulation listing state non-tax revenue fees. | We used this regulation to estimate annual visa and permit renewal costs in rupiah. We built these figures into our visa cost sections. |
| Directorate General of Taxes (DGT) | Indonesia's tax authority providing official residency and filing guidance. | We used DGT guidance to anchor the 183-day tax residency threshold. We referenced treaty provisions while recommending professional advice. |
| Ministry of Health Indonesia | The Ministry's annual publication on healthcare system structure. | We used this to frame public vs private healthcare realities for expats. We translated system insights into practical insurance budget recommendations. |
| BPJS Kesehatan | Administrator of Indonesia's national health insurance program. | We used BPJS as the anchor for public healthcare access rules. We budgeted conservatively assuming most retirees will still need private coverage. |
We made this infographic to show you how property prices in Indonesia compare to other big cities across the region. It breaks down the average price per square meter in city centers, so you can see how cities stack up. It’s an easy way to spot where you might get the best value for your money. We hope you like it.
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