15 Most Expensive Cities to Live in the World 2025

Curious about the most expensive cities in the world? Cost of Living Index offers a clear snapshot by comparing everyday consumer expenses—including groceries, restaurants, transportation, and utilities—across major urban areas. An index value of 100 corresponds to the cost of living in New York City, meaning a city with an index of 120 is roughly 20% more expensive than NYC, while a city at 80 is around 20% cheaper. It’s important to note that housing expenses, like rent or mortgage payments, are excluded from these numbers. Below is a countdown detailing the highest cost of living cities in 2025 as ranked by the index. Even without factoring in accommodation costs, these destinations stand out for their steep day-to-day prices—so if you’re planning a visit or a move, buckle up and budget wisely.

15. San Diego, CA, United States (Index 77.9)

San Diego is often called “America’s Finest City” because of its pleasant weather, laid-back beaches, and thriving biotech sector. While it’s not as large or bustling as Los Angeles, that doesn’t stop it from having noticeably higher grocery and transportation prices than many other parts of the country.

• San Diego’s research and military presence help sustain higher salaries, which in turn boost the cost of local goods and services. Waterfront dining and tourist hotspots also add to inflated pricing.
• Beyond the sunshine and surf, San Diego is home to a vibrant cultural scene, including world-class museums in Balboa Park and trendy craft breweries.

14. London, United Kingdom (Index 77.9)

London is a massive financial and cultural capital, attracting millions of tourists annually while also serving as the base for major global banks and media companies. That constant demand for limited resources drives up everyday prices—whether you’re grabbing a quick meal or taking the Underground.

• A high concentration of international businesses, stringent import taxes, and a constant influx of newcomers keep costs elevated. Everything from public transport to supermarket staples comes at a premium.
• Iconic sites like the Tower of London and Buckingham Palace meet modern skyscrapers in the City and Canary Wharf, giving the metropolis a contrasting blend of history and progress.

13. Washington, DC, United States (Index 78.7)

As the political heart of the United States, Washington, DC beckons lobbyists, consultants, and government professionals. This concentration of well-paid workers nudges local prices upward, especially in areas such as dining, groceries, and specialized retail.

• Upscale neighborhoods like Georgetown and Dupont Circle house boutiques and gourmet eateries that cater to an affluent crowd. Demand for convenience fuels higher costs in everything from ready-made meals to personal services.
• DC’s marble monuments and historic museums bring in visitors, while its bustling job market revolves around federal agencies, think tanks, and nonprofit organizations.

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12. Seattle, WA, United States (Index 78.9)

Famous for coffee culture, rainy weather, and tech giants like Amazon and Microsoft, Seattle is a magnet for skilled professionals. Although the city isn’t as large as Los Angeles or New York, many of its everyday expenses mirror those pricier metros.

• A booming tech sector drives wages higher, and rising salaries lead to increased pricing on goods and services. Distances from major agricultural regions can also raise grocery transport costs.
• From the Space Needle to the lively Pike Place Market, Seattle blends outdoor adventure with a fast-growing urban core that never seems to stop evolving.

11. Singapore (Index 79.1)

A global financial hub with one of the world’s busiest ports, Singapore has earned a reputation for cleanliness, efficiency, and safety. The city-state’s strict import policies, especially on cars and various consumer goods, often result in above-average living expenses.

• High import taxes, a land area limited by strict development rules, and robust salaries in finance and tech combine to push prices up. Even basics like groceries can feel costly due to limited local production.
• Despite its size, Singapore offers a modern skyline, futuristic gardens, and top-tier infrastructure, which helps maintain its draw among expats and high-net-worth individuals.

10. Boston, MA, United States (Index 83.7)

Boston’s historic streets are lined with prestigious universities like Harvard and MIT, fueling a strong pull for students and professionals alike. The city’s academic and biotech sectors pay well, but that advantage also nudges everyday bills higher.

• The region’s education and healthcare industries push up wages, and housing demand is fierce, increasing the overall cost of goods and services. Dining near campuses or in the downtown area can be particularly pricey.
• Whether you’re cheering on the Red Sox at Fenway or strolling through the Freedom Trail, you’ll sense Boston’s mix of American history and a modern, tech-savvy mindset.

9. Reykjavik, Iceland (Index 83.7)

Iceland’s capital may be known for its breathtaking landscapes and geothermal wonders, but the remote location also means hefty import fees. Almost every product that isn’t naturally grown or produced on the island must be shipped in.

• Limited local agriculture and a small population push up per-unit costs, with restaurants and grocery stores passing that expense on to consumers.
• Reykjavik combines a vibrant arts scene—highlighted by music festivals and literature events—with easy access to Iceland’s natural attractions like the Blue Lagoon and lava fields.

8. Honolulu, HI, United States (Index 86.9)

Honolulu is the gateway to tropical Hawaii, a beloved tourist destination. But the very factors that attract visitors—gorgeous scenery and island life—also mean fewer local resources and significant shipping costs.

• Nearly every commodity, from milk to building materials, travels a long way by boat or plane. High demand from tourism adds another layer of cost for both residents and businesses.
• Beyond the famous beaches of Waikiki, Honolulu boasts a diverse cultural heritage, a strong military presence at Pearl Harbor, and a growing local food movement.

7. San Francisco, CA, United States (Index 90.5)

The bustling heart of the Bay Area, San Francisco remains synonymous with tech-fueled fortunes. Even with a wide range of neighborhoods—from the gritty Tenderloin to upscale Pacific Heights—the common thread is that your wallet often feels the pinch.

• The city’s proximity to Silicon Valley, combined with a tight housing market, inflates the costs of basic goods and services. Everything from coffee to car repairs often costs more here.
• Tourists flock to see the Golden Gate Bridge and ride the historic cable cars, while professionals navigate a landscape filled with startups, venture capital, and groundbreaking research.

6. Bern, Switzerland (Index 95.0)

Though overshadowed by Zurich’s international fame, Bern is Switzerland’s capital and a focal point for government activities. Its charming medieval city center is a UNESCO World Heritage site, underscoring how tradition meets modern commerce here.

• A solid economy and the strong Swiss franc mean higher prices for everyday essentials, from groceries to public transportation. Wages in government and finance also add upward pressure on local services.
• Bern’s iconic Zytglogge (clock tower) and winding cobblestone streets create a picturesque backdrop for a city that runs like clockwork, reflecting the Swiss emphasis on reliability and quality.

5. Basel, Switzerland (Index 98.0)

Set along the Rhine River, Basel borders France and Germany and houses a thriving pharmaceutical sector. That industry injects wealth into the local economy, which trickles down to daily costs.

• Major pharmaceutical and chemical companies pay competitive salaries, driving up prices for housing, restaurants, and cultural attractions. Taxes on certain luxury items also elevate price tags.
• Basel brims with art museums, galleries, and an international flair—residents sometimes cross country borders for cheaper shopping while enjoying the city’s well-funded public services.

4. New York, NY, United States (Index 100.0)

As the reference point for Numbeo’s Cost of Living Index, New York City offers seemingly limitless dining, entertainment, and cultural experiences—but at equally limitless expense. With Wall Street, Broadway, and global advertising firms all in one place, the Big Apple is never short on hustle.

• Towering demand from both residents and tourists keeps shops, restaurants, and attractions operating at premium rates. Even convenience items can be pricey, especially in prime Manhattan locations.
• From the bright lights of Times Square to the more laid-back vibe of Brooklyn, NYC is as diverse as it is expensive, drawing in dreamers and go-getters from every corner of the planet.

3. Geneva, Switzerland (Index 100.7)

Geneva is a tranquil city by the water, but that peaceful ambiance doesn’t come cheap. With many international organizations headquartered here, the local workforce includes diplomats and NGO workers who frequent high-end markets and upscale eateries.

• The influx of global professionals keeps consumer demand strong, and Swiss regulatory standards drive up production costs, reflecting in final prices for goods and services.
• Set against the backdrop of Lake Geneva and Alpine peaks, the city is famous for its watchmaking legacy, international cooperation, and a multicultural community.

2. Lausanne, Switzerland (Index 100.9)

Perched on the shores of Lake Geneva, Lausanne blends scenic landscapes with a fast-paced social scene—partly due to its universities and proximity to major European industries. Even so, that charm has a financial downside.

• Like other Swiss locales, the high value of the franc, along with strong salaries in government and private sectors, boosts the cost of everyday essentials. Leisure activities—from skiing to fine dining—can quickly add up.
• Lausanne’s hills create a striking skyline, and the city’s reputation for sports and culture is embodied by the International Olympic Committee, headquartered here.

1. Zurich, Switzerland (Index 103.8)

Taking the top spot is Zurich, which surpasses New York City’s 100 baseline by more than 3%. Known for its pristine public transport, high-end shopping, and global banking presence, Zurich sets the benchmark for a Swiss-style elevated living standard.

• Renowned financial institutions and insurance firms pay generous salaries, which in turn inflate grocery costs, utility bills, and consumer goods. Imported items and luxury services also command premium pricing.
• Despite its high price tag, Zurich consistently ranks among cities with an outstanding quality of life, blending historical charm with modern architecture and a bustling cultural calendar.

Finding Your Perfect Fit

While these 15 locales top the global city rankings by cost of living, it doesn’t mean they’re off-limits for everyone. Assess your salary prospects, career growth opportunities, and personal priorities. For some, the cultural perks, robust healthcare systems, or natural beauty of these areas far outweigh the elevated outlays. Others may prefer a lower index city to strike a simpler balance between income and expenses.

Whether you’re drawn by the professional lure of Silicon Valley or the alpine charm of Switzerland, knowing the cost of living index 2025 for your target city offers a roadmap for what to expect. Familiarizing yourself with the local culture, tax obligations, and shopping habits can help stretch every dollar—or franc—a bit further. After all, living in a high-cost haven can be both challenging and rewarding when approached with the right mindset.