The STC 2019 COST OF LIVING INDEX

When relocating, people are usually caught completely off guard by some of required expenses. There are many expenses attributed to relocation, not all of which can be planned in advance. We cover the most important expenses that a family of three can expect. The missing expenses depend upon too many factors to be included in our calculations. These include those for traveling back and forth between countries (relative to country of origin and season of travel), furniture costs (some individuals might bring their own, or rent a furnished apartment). Some countries have particularly high costs attributed to certain items that can raise the annual cost. For example, Singapore has a heavy tax on cars; other places like St. Helier have a very restrictive property market. The UAE is a very affordable place to live; its high tax on alcohol made it lose a couple of places in the ranking, but if you do not consume much or any alcohol, this will not be a factor. Goods in the U.S.A. are very cheap in comparison to other western countries, but it has the highest cost of health care and education in the world.

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	COUNTRY	CITY	CoLI21	Health Care	Cost of living	Rent - Apartment (3 bedrooms) in City Centre	University Fees	U. Fee Type	Annual Costs of Living	Annual Cost with Uni.
1	Pakistan	Lahore	0.89	$ 3,500	$ 15,600	$ 290	$ 50	Local	$ 22,580	$ 22,630
2	Pakistan	Karachi	0.88	$ 3,500	$ 16,800	$ 300	$ 50	Local	$ 23,900	$ 23,950
3	India	Kolkata	0.88	Public	$ 19,200	$ 450	$ 50	Local	$ 24,600	$ 24,650
4	Algeria	Algiers	0.87	Public	$ 20,400	$ 450	$ 50	Local	$ 25,800	$ 25,850
5	India	Hyderabad	0.86	Public	$ 19,200	$ 490	$ 2,000	Local	$ 25,080	$ 27,080
6	Tunisia	Tunis	0.85	Public	$ 24,000	$ 420	$ 50	Local	$ 29,040	$ 29,090
7	Colombia	Cali	0.85	Public	$ 24,000	$ 450	$ 50	Local	$ 29,400	$ 29,450
8	China	Wuxi	0.84	Public	$ 22,800	$ 550	$ 2,000	Local	$ 29,400	$ 31,400
9	Brazil	Belo Horizonte	0.84	Public	$ 24,000	$ 470	$ 2,000	Local	$ 29,640	$ 31,640
10	Colombia	Medellin	0.84	Public	$ 26,400	$ 490	$ 50	Local	$ 32,280	$ 32,330
11	Kazakhstan	Astana	0.83	Public	$ 25,200	$ 600	$ 1,000	Local	$ 32,400	$ 33,400
12	Brazil	Rio de Janeiro	0.83	Public	$ 25,200	$ 680	$ 50	Local	$ 33,360	$ 33,410
13	Venezuela	Caracas	0.83	$ 3,500	$ 22,800	$ 610	$ 50	Local	$ 33,620	$ 33,670
14	Uzbekistan	Tashkent	0.82	$ 3,500	$ 22,800	$ 580	$ 2,000	Local	$ 33,260	$ 35,260
15	Moldova	Chisinau	0.82	Public	$ 27,600	$ 540	$ 1,200	Local	$ 34,080	$ 35,280
16	China	Chengdu	0.82	Public	$ 25,200	$ 700	$ 2,000	Local	$ 33,600	$ 35,600
17	China	Ningbo	0.82	Public	$ 26,400	$ 660	$ 2,000	Local	$ 34,320	$ 36,320
18	Argentina	Buenos Aires	0.82	Public	$ 28,800	$ 550	$ 1,000	Local	$ 35,400	$ 36,400
19	Mongolia	Ulaanbaatar	0.82	$ 3,500	$ 22,800	$ 630	$ 2,600	Local	$ 33,860	$ 36,460
20	Brazil	Brasilia	0.82	Public	$ 25,200	$ 780	$ 2,000	Local	$ 34,560	$ 36,560
21	China	Changsha	0.82	Public	$ 26,400	$ 700	$ 2,000	Local	$ 34,800	$ 36,800
22	China	Chongqing	0.81	Public	$ 28,800	$ 530	$ 2,000	Local	$ 35,160	$ 37,160
23	India	New Delhi	0.81	$ 3,500	$ 22,800	$ 590	$ 4,000	Local	$ 33,380	$ 37,380
24	Georgia	Tbilisi	0.81	$ 3,500	$ 22,800	$ 710	$ 2,700	Local	$ 34,820	$ 37,520
25	China	Shenyang	0.81	Public	$ 28,800	$ 570	$ 2,000	Local	$ 35,640	$ 37,640
26	Kazakhstan	Almaty	0.81	Public	$ 24,000	$ 650	$ 6,000	Local	$ 31,800	$ 37,800
27	Bolivia	La Paz	0.81	$ 3,500	$ 25,200	$ 640	$ 2,000	Local	$ 36,380	$ 38,380
28	Morocco	Dakhla	0.81	$ 3,500	$ 25,128	$ 650	$ 2,000	Foreign	$ 36,428	$ 38,428
29	Sri Lanka	Colombo	0.81	Public	$ 25,200	$ 1,140	$ 50	Local	$ 38,880	$ 38,930
30	Albania	Durres	0.81	$ 3,500	$ 27,600	$ 490	$ 2,000	Local	$ 36,980	$ 38,980
31	Honduras	San Pedro Sula	0.80	$ 3,500	$ 26,400	$ 570	$ 2,400	Local	$ 36,740	$ 39,140
32	Azerbaijan	Baku	0.80	$ 3,500	$ 26,400	$ 700	$ 900	Local	$ 38,300	$ 39,200
33	China	Wuhan	0.80	Public	$ 28,800	$ 710	$ 2,000	Local	$ 37,320	$ 39,320
34	Vietnam	Hanoi	0.80	$ 3,500	$ 26,400	$ 770	$ 200	Local	$ 39,140	$ 39,340
35	Brazil	Sao Paulo	0.80	Public	$ 28,800	$ 890	$ 100	Local	$ 39,480	$ 39,580
36	China	Qingdao	0.80	Public	$ 26,400	$ 980	$ 2,000	Local	$ 38,160	$ 40,160
37	Macedonia	Skopje	0.80	Public	$ 27,600	$ 530	$ 7,000	Foreign	$ 33,960	$ 40,960
38	Paraguay	Asuncion	0.80	$ 3,500	$ 26,400	$ 590	$ 4,000	Local	$ 36,980	$ 40,980
39	China	Foshan	0.79	$ 3,500	$ 27,600	$ 730	$ 2,000	Local	$ 39,860	$ 41,860
40	Iraq	Baghdad	0.79	$ 3,500	$ 28,800	$ 810	$ 50	Local	$ 42,020	$ 42,070
41	Bangladesh	Dhaka	0.79	$ 3,500	$ 22,800	$ 420	$ 11,500	Local	$ 31,340	$ 42,840
42	China	Tianjin	0.79	Public	$ 30,000	$ 1,070	$ 50	Local	$ 42,840	$ 42,890
43	Egypt	Cairo	0.79	Public	$ 28,800	$ 350	$ 10,000	Local	$ 33,000	$ 43,000
44	Belarus	Minsk	0.78	$ 3,500	$ 27,600	$ 680	$ 4,000	Foreign	$ 39,260	$ 43,260
45	Nicaragua	Managua	0.78	$ 3,500	$ 33,000	$ 500	$ 1,000	Local	$ 42,500	$ 43,500
46	Malaysia	Kuala Lumpur	0.78	$ 3,500	$ 27,600	$ 870	$ 2,000	Local	$ 41,540	$ 43,540
47	Syria	Damascus	0.78	$ 3,500	$ 28,800	$ 690	$ 3,000	Local	$ 40,580	$ 43,580
48	India	Bangalore	0.78	Public	$ 20,400	$ 600	$ 16,000	Local	$ 27,600	$ 43,600
49	Peru	Lima	0.78	Public	$ 28,800	$ 910	$ 4,000	Local	$ 39,720	$ 43,720
50	India	Mumbai	0.78	Public	$ 22,800	$ 1,640	$ 2,000	Local	$ 42,480	$ 44,480
51	China	Guangzhou	0.78	Public	$ 27,600	$ 1,260	$ 2,000	Local	$ 42,720	$ 44,720
52	Tanzania	Dar es Salaam	0.78	$ 3,500	$ 25,200	$ 1,170	$ 2,000	Local	$ 42,740	$ 44,740
53	Honduras	Tegucigalpa	0.78	$ 3,500	$ 29,400	$ 830	$ 2,100	Local	$ 42,860	$ 44,960
54	El Salvador	San Salvador	0.77	$ 3,500	$ 32,400	$ 760	$ 200	Local	$ 45,020	$ 45,220
55	Saudi Arabia	Jeddah	0.77	Public	$ 37,200	$ 600	$ 1,000	Local	$ 44,400	$ 45,400
56	Ukraine	Kiev	0.77	$ 3,500	$ 27,600	$ 1,060	$ 2,000	Local	$ 43,820	$ 45,820
57	Taiwan	Taichung	0.77	Public	$ 35,000	$ 890	$ 200	Local	$ 45,680	$ 45,880
58	Montenegro	Budva	0.77	Public	$ 35,280	$ 820	$ 1,000	Local	$ 45,120	$ 46,120
59	China	Hangzhou	0.77	$ 3,500	$ 26,400	$ 1,210	$ 2,000	Local	$ 44,420	$ 46,420
60	Bulgaria	Sofia	0.77	Public	$ 36,000	$ 820	$ 1,000	Local	$ 45,840	$ 46,840
61	Russia	Saint Petersburg	0.77	Public	$ 30,000	$ 990	$ 5,000	Local	$ 41,880	$ 46,880
62	Turkey	Istanbul	0.77	Public	$ 25,200	$ 560	$ 15,000	Local	$ 31,920	$ 46,920
63	Vietnam	Ho Chi Minh City	0.76	$ 3,500	$ 28,800	$ 1,220	$ 200	Local	$ 46,940	$ 47,140
64	China	Suzhou	0.76	Public	$ 33,600	$ 990	$ 2,000	Local	$ 45,480	$ 47,480
65	Serbia	Belgrade	0.76	Public	$ 36,000	$ 800	$ 2,000	Local	$ 45,600	$ 47,600
66	Taiwan	Kaohsiung	0.76	Public	$ 37,200	$ 810	$ 1,500	Local	$ 46,920	$ 48,420
67	Thailand	Phuket	0.76	Public	$ 33,600	$ 1,120	$ 1,500	Local	$ 47,040	$ 48,540
68	St Vincent and The Grenadines	Kingstown	0.76	Public	$ 34,320	$ 800	$ 5,000	Local	$ 43,920	$ 48,920
69	Ecuador	Quito	0.75	$ 3,500	$ 34,800	$ 820	$ 1,000	Local	$ 48,140	$ 49,140
70	Uruguay	Montevideo	0.75	Public	$ 39,600	$ 760	$ 500	Local	$ 48,720	$ 49,220
71	Cambodia	Phnom Penh	0.75	$ 3,500	$ 31,200	$ 1,220	$ 50	Local	$ 49,340	$ 49,390
72	Laos	Vientiane	0.75	$ 3,500	$ 28,800	$ 1,430	$ 50	Local	$ 49,460	$ 49,510
73	Saudi Arabia	Riyadh	0.75	Public	$ 39,600	$ 820	$ 1,000	Local	$ 49,440	$ 50,440
74	Morocco	Casablanca	0.74	$ 3,500	$ 31,200	$ 920	$ 5,300	Local	$ 45,740	$ 51,040
75	Oman	Muscat	0.74	Public	$ 36,000	$ 1,120	$ 2,000	Local	$ 49,440	$ 51,440
76	Romania	Bucharest	0.74	Public	$ 38,400	$ 910	$ 3,000	Foreign	$ 49,320	$ 52,320
77	Indonesia	Jakarta	0.74	$ 3,500	$ 28,800	$ 1,340	$ 4,000	Local	$ 48,380	$ 52,380
78	China	Nanjing	0.74	Public	$ 28,800	$ 1,170	$ 10,000	Local	$ 42,840	$ 52,840
79	Costa Rica	San Jose	0.73	Public	$ 42,000	$ 900	$ 600	Foreign	$ 52,800	$ 53,400
80	Mexico	Mexico City	0.73	$ 3,500	$ 34,800	$ 1,230	$ 500	Local	$ 53,060	$ 53,560
81	Colombia	Bogota	0.73	Public	$ 27,600	$ 840	$ 16,000	Local	$ 37,680	$ 53,680
82	Mauritius	Port Louis	0.73	Public	$ 39,840	$ 860	$ 4,400	Foreign	$ 50,160	$ 54,560
83	Guatemala	Guatemala City	0.72	$ 3,500	$ 33,600	$ 900	$ 7,200	Local	$ 47,900	$ 55,100
84	Fiji	Suva	0.72	Public	$ 36,000	$ 1,310	$ 3,600	Local	$ 51,720	$ 55,320
85	South Africa	Johannesburg	0.72	Public	$ 40,800	$ 930	$ 3,500	Local	$ 51,960	$ 55,460
86	Hungary	Budapest	0.72	Public	$ 39,600	$ 1,010	$ 4,000	Foreign	$ 51,720	$ 55,720
87	Chile	Santiago	0.72	Public	$ 42,000	$ 860	$ 4,000	Foreign	$ 52,320	$ 56,320
88	Greece	Corfu	0.72	$ 3,500	$ 41,040	$ 940	$ 1,000	Local	$ 55,820	$ 56,820
89	Jordan	Amman	0.71	Public	$ 44,400	$ 630	$ 5,500	Local	$ 51,960	$ 57,460
90	Saint Lucia	Castries	0.70	Public	$ 41,340	$ 1,290	$ 2,260	Local	$ 56,820	$ 59,080
91	Dominican republic	Santo Domingo	0.70	$ 3,500	$ 37,320	$ 730	$ 10,000	Local	$ 49,580	$ 59,580
92	Russia	Moscow	0.70	Public	$ 37,200	$ 1,830	$ 1,000	Local	$ 59,160	$ 60,160
93	South Africa	Cape Town	0.70	Public	$ 38,400	$ 1,510	$ 4,000	Local	$ 56,520	$ 60,520
94	China	Shenzhen	0.70	$ 3,500	$ 34,800	$ 1,710	$ 2,000	Local	$ 58,820	$ 60,820
95	Lithuania	Vilnius	0.70	Public	$ 45,600	$ 1,020	$ 3,000	Foreign	$ 57,840	$ 60,840
96	Ethiopia	Addis Ababa	0.69	$ 3,500	$ 40,800	$ 1,410	$ 200	Local	$ 61,220	$ 61,420
97	Taiwan	Taipei	0.69	Public	$ 40,800	$ 1,580	$ 2,000	Local	$ 59,760	$ 61,760
98	Kenya	Nairobi	0.69	$ 3,500	$ 31,200	$ 880	$ 17,000	Local	$ 45,260	$ 62,260
99	Thailand	Bangkok	0.69	Public	$ 37,200	$ 1,940	$ 2,000	Local	$ 60,480	$ 62,480
100	India	Chennai	0.69	Public	$ 19,200	$ 3,460	$ 2,000	Local	$ 60,720	$ 62,720
101	Croatia	Split	0.69	Public	$ 49,200	$ 1,030	$ 1,200	Foreign	$ 61,560	$ 62,760
102	Poland	Warsaw	0.68	Public	$ 42,000	$ 1,510	$ 4,000	Foreign	$ 60,120	$ 64,120
103	Greece	Athens	0.68	$ 3,500	$ 50,400	$ 870	$ 50	Local	$ 64,340	$ 64,390
104	Panama	Panama City	0.67	Public	$ 46,800	$ 1,560	$ 100	Local	$ 65,520	$ 65,620
105	Iran	Tehran	0.67	$ 3,500	$ 34,800	$ 1,620	$ 8,000	Local	$ 57,740	$ 65,740
106	Andorra	Andorra la Vella	0.67	$ 3,500	$ 43,200	$ 1,480	$ 2,000	Local	$ 64,460	$ 66,460
107	Antigua and Barbuda	Saint John's	0.67	Public	$ 34,800	$ 1,150	$ 18,000	Local	$ 48,600	$ 66,600
108	Slovakia	Bratislava	0.67	$ 3,500	$ 46,800	$ 1,280	$ 1,000	Local	$ 65,660	$ 66,660
109	Czech Republic	Prague	0.67	Public	$ 42,000	$ 1,580	$ 6,000	Foreign	$ 60,960	$ 66,960
110	China	Beijing	0.66	Public	$ 33,600	$ 2,400	$ 6,000	Local	$ 62,400	$ 68,400
111	Nigeria	Lagos	0.66	$ 3,500	$ 33,600	$ 2,630	$ 250	Local	$ 68,660	$ 68,910
112	Latvia	Riga	0.65	$ 3,500	$ 49,200	$ 950	$ 5,000	Foreign	$ 64,100	$ 69,100
113	Slovenia	Ljubljana	0.65	$ 3,500	$ 50,400	$ 1,330	$ 70	Foreign	$ 69,860	$ 69,930
114	Cyprus	Nicosia	0.64	Public	$ 55,200	$ 1,090	$ 3,660	Local	$ 68,280	$ 71,940
115	Philippines	Manila	0.63	Public	$ 30,000	$ 2,270	$ 16,000	Local	$ 57,240	$ 73,240
116	Dominica	Roseau	0.63	Public	$ 55,320	$ 740	$ 10,000	Local	$ 64,200	$ 74,200
117	Estonia	Tallinn	0.63	$ 3,500	$ 55,200	$ 1,090	$ 3,000	Foreign	$ 71,780	$ 74,780
118	China	Shanghai	0.63	Public	$ 38,400	$ 2,870	$ 2,000	Local	$ 72,840	$ 74,840
119	Bahrain	Manama	0.62	Public	$ 40,800	$ 1,710	$ 13,800	Local	$ 61,320	$ 75,120
120	Portugal	Lisbon	0.62	$ 3,500	$ 46,800	$ 1,940	$ 2,000	Foreign	$ 73,580	$ 75,580
121	Canada	Montreal	0.62	Public	$ 51,600	$ 1,770	$ 3,500	Local	$ 72,840	$ 76,340
122	Seychelles	Victoria	0.61	Public	$ 46,560	$ 2,150	$ 6,000	Local	$ 72,360	$ 78,360
123	UAE	Abu Dhabi	0.59	$ 3,500	$ 45,600	$ 2,580	$ 1,000	Foreign	$ 80,060	$ 81,060
124	Cyprus	Limassol	0.59	Public	$ 57,600	$ 1,690	$ 3,500	Local	$ 77,880	$ 81,380
125	Qatar	Doha	0.57	Public	$ 50,400	$ 2,820	$ 2,000	Local	$ 84,240	$ 86,240
126	Turks and Caicos Islands	Cockburn Town	0.57	$ 3,500	$ 63,900	$ 1,500	$ 1,500	Foreign	$ 85,400	$ 86,900
127	South Korea	Seoul	0.56	Public	$ 54,000	$ 2,270	$ 6,000	Local	$ 81,240	$ 87,240
128	Austria	Vienna	0.55	$ 3,500	$ 60,000	$ 1,990	$ 2,000	Foreign	$ 87,380	$ 89,380
129	Vanuatu	Port Vila	0.55	$ 3,500	$ 56,160	$ 2,290	$ 3,600	Local	$ 87,140	$ 90,740
130	Kuwait	Kuwait City	0.54	Public	$ 38,400	$ 1,920	$ 30,000	Local	$ 61,440	$ 91,440
131	Germany	Berlin	0.54	$ 3,500	$ 62,400	$ 2,110	$ 600	Foreign	$ 91,220	$ 91,820
132	Saint Kitts and Nevis	Basseterre	0.54	Public	$ 62,040	$ 2,100	$ 5,000	Local	$ 87,240	$ 92,240
133	France	Nice	0.54	Public	$ 64,800	$ 2,260	$ 500	Foreign	$ 91,920	$ 92,420
134	Trinidad and Tobago	Port of Spain	0.54	Public	$ 70,800	$ 1,240	$ 7,150	Local	$ 85,680	$ 92,830
135	Barbados	Bridgetown	0.53	$ 3,500	$ 66,000	$ 840	$ 14,000	Foreign	$ 79,580	$ 93,580
136	Spain	Barcelona	0.53	$ 3,500	$ 57,600	$ 1,880	$ 10,000	Foreign	$ 83,660	$ 93,660
137	Belgium	Brussels	0.52	$ 3,500	$ 67,200	$ 1,860	$ 2,000	Foreign	$ 93,020	$ 95,020
138	Spain	Madrid	0.52	$ 3,500	$ 57,600	$ 2,050	$ 10,000	Foreign	$ 85,700	$ 95,700
139	Canada	Vancouver	0.52	Public	$ 57,600	$ 2,900	$ 4,000	Local	$ 92,400	$ 96,400
140	Italy	Rome	0.51	Public	$ 66,000	$ 2,400	$ 4,000	Foreign	$ 94,800	$ 98,800
141	Canada	Toronto	0.50	Public	$ 61,200	$ 2,710	$ 6,000	Local	$ 93,720	$ 99,720
142	Germany	Frankfurt	0.50	$ 3,500	$ 67,200	$ 2,470	$ 500	Foreign	$ 100,340	$ 100,840
143	Japan	Tokyo	0.49	Public	$ 58,800	$ 3,110	$ 6,000	Foreign	$ 96,120	$ 102,120
144	Turks and Caicos Islands	Providenciales	0.49	$ 3,500	$ 67,200	$ 2,500	$ 1,500	Foreign	$ 100,700	$ 102,200
145	Gibraltar	Gibraltar	0.48	$ 3,500	$ 54,840	$ 3,480	$ 4,500	Foreign	$ 100,100	$ 104,600
146	Bahamas	Nassau	0.47	Public	$ 73,200	$ 2,590	$ 1,400	Foreign	$ 104,280	$ 105,680
147	Isle of Man	Douglas	0.47	Public	$ 70,800	$ 1,450	$ 18,000	Foreign	$ 88,200	$ 106,200
148	Malta	Valletta	0.47	$ 3,500	$ 69,600	$ 2,730	$ 1,000	Local	$ 105,860	$ 106,860
149	Lebanon	Beirut	0.46	$ 3,500	$ 62,400	$ 1,830	$ 20,000	Local	$ 87,860	$ 107,860
150	Macau	Macau	0.46	Public	$ 75,600	$ 2,090	$ 8,000	Foreign	$ 100,680	$ 108,680
151	Germany	Munich	0.45	$ 3,500	$ 70,800	$ 2,810	$ 1,150	Foreign	$ 108,020	$ 109,170
152	Finland	Helsinki	0.45	Public	$ 81,600	$ 2,330	$ 100	Foreign	$ 109,560	$ 109,660
153	Italy	Venice	0.44	$ 3,500	$ 76,680	$ 2,520	$ 1,600	Foreign	$ 110,420	$ 112,020
154	Liechtenstein	Vaduz	0.44	$ 3,500	$ 73,200	$ 2,880	$ 1,000	Foreign	$ 111,260	$ 112,260
155	Grenada	Saint George's	0.43	Public	$ 62,280	$ 930	$ 40,000	Local	$ 73,440	$ 113,440
156	Italy	Milan	0.43	Public	$ 73,200	$ 3,150	$ 4,000	Foreign	$ 111,000	$ 115,000
157	France	Paris	0.41	Public	$ 75,600	$ 3,360	$ 2,000	Foreign	$ 115,920	$ 117,920
158	British Virgin Islands	Road town	0.40	Public	$ 82,500	$ 2,650	$ 5,200	Foreign	$ 114,300	$ 119,500
159	Jersey	Saint Helier	0.40	Public	$ 74,760	$ 3,010	$ 9,000	Foreign	$ 110,880	$ 119,880
160	Australia	Melbourne	0.39	Public	$ 61,200	$ 2,530	$ 30,000	Foreign	$ 91,560	$ 121,560
161	Singapore	Singapore	0.39	Public	$ 66,000	$ 3,990	$ 8,000	Local	$ 113,880	$ 121,880
162	Norway	Oslo	0.39	Public	$ 93,600	$ 2,360	$ 50	Foreign	$ 121,920	$ 121,970
163	New Zealand	Auckland	0.39	Public	$ 69,600	$ 2,400	$ 24,000	Foreign	$ 98,400	$ 122,400
164	Australia	Brisbane	0.39	Public	$ 68,400	$ 2,170	$ 28,000	Foreign	$ 94,440	$ 122,440
165	UAE	Dubai	0.39	$ 3,500	$ 60,000	$ 3,120	$ 22,000	Foreign	$ 100,940	$ 122,940
166	Anguilla	The Valley	0.36	$ 3,500	$ 71,000	$ 1,600	$ 33,750	Foreign	$ 93,700	$ 127,450
167	Denmark	Copenhagen	0.36	Public	$ 93,600	$ 1,510	$ 16,000	Foreign	$ 111,720	$ 127,720
168	Netherlands	Amsterdam	0.34	Public	$ 82,800	$ 3,280	$ 10,000	Foreign	$ 122,160	$ 132,160
169	Iceland	Reykjavik	0.33	$ 3,500	$ 99,600	$ 2,500	$ 700	Foreign	$ 133,100	$ 133,800
170	Ireland	Dublin	0.33	$ 3,500	$ 60,000	$ 3,780	$ 26,000	Foreign	$ 108,860	$ 134,860
171	Sweden	Stockholm	0.33	$ 3,500	$ 82,800	$ 2,390	$ 20,000	Foreign	$ 114,980	$ 134,980
172	Hong Kong	Hong Kong	0.32	$ 3,500	$ 63,600	$ 4,480	$ 16,000	Foreign	$ 120,860	$ 136,860
173	UK	London	0.27	Public	$ 80,400	$ 4,280	$ 14,000	Foreign	$ 131,760	$ 145,760
174	Australia	Sydney	0.27	Public	$ 68,400	$ 3,830	$ 32,000	Foreign	$ 114,360	$ 146,360
175	Switzerland	Geneva	0.25	$ 3,500	$ 105,600	$ 3,180	$ 2,000	Foreign	$ 147,260	$ 149,260
176	Luxembourg	Luxembourg City	0.25	$ 3,500	$ 103,200	$ 3,550	$ 500	Foreign	$ 149,300	$ 149,800
177	Switzerland	Lausanne	0.23	$ 3,500	$ 109,200	$ 3,300	$ 1,200	Foreign	$ 152,300	$ 153,500
178	Switzerland	Zurich	0.19	$ 3,500	$ 106,800	$ 4,180	$ 1,300	Foreign	$ 160,460	$ 161,760
179	USA	Miami	0.19	$ 8,000	$ 64,800	$ 3,570	$ 47,000	Foreign	$ 115,640	$ 162,640
180	Angola	Luanda	0.07	$ 3,500	$ 58,800	$ 9,980	$ 3,500	Local	$ 182,060	$ 185,560
181	USA	Boston	0.06	$ 8,000	$ 73,200	$ 4,330	$ 55,000	Foreign	$ 133,160	$ 188,160
182	Bermuda	Hamilton	0.04	Public	$ 111,600	$ 5,200	$ 18,000	Foreign	$ 174,000	$ 192,000
183	Cayman Islands	George Town	0.04	$ 3,500	$ 101,760	$ 4,730	$ 30,000	Foreign	$ 162,020	$ 192,020
184	USA	Los Angeles	0.00	$ 8,000	$ 72,000	$ 4,400	$ 78,000	Foreign	$ 132,800	$ 210,800
185	USA	San Francisco	0.00	$ 8,000	$ 75,600	$ 6,350	$ 54,000	Foreign	$ 159,800	$ 213,800
186	USA	New York	0.00	$ 8,000	$ 87,600	$ 6,610	$ 47,000	Foreign	$ 174,920	$ 221,920
187	Monaco	Monaco	0.00	$ 3,500	$ 96,000	$ 21,760	$ 26,000	Foreign	$ 360,620	$ 386,620

Health Insurance

Quotes were obtained from www.pacifprime.com.

Cost of Living

Estimated costs of living are taken from www.numbeo.com.

University Costs

Parts of the Tuition costs were taken from the QS top university ranking at topuniversities.com; however, most of our data had to be taken from each individual university’s website.

Rent

The estimated rent for 110m2 is taken from www.numbeo.com.

The STC Health Index is provided by Stephane Tajick Consulting.

Methodology

Annual relocation costs include all the costs highlighted previously for a family of three. For the sake of simplicity, we assume that only one child will need to attend university at the time of relocation.

Health care costs can be covered by the host country’s public health care system. We have verified the countries that allow migrants to be covered through their immigration status. The annual costs are quotes from private health insurance companies in different countries based upon coverage, and apply to a couple with one underage children (including inpatient care, emergency evacuation, emergency repatriation, a $0.5M annual limit and $5,000 deductible).

The cost of living incorporates most everyday expenses: groceries and restaurants, clothing, transportation and fuel, utilities, etc. These are the expenses of a fairly affluent family, but do not enter into the realm of luxury item expenses. Rent is calculated separately. The estimate is based upon three active spenders in the family (the couple and the oldest child attending university).

The calculation is based on the following assumptions:

Eating lunch or dinner in restaurants (~50% of the time)

Choosing inexpensive restaurants (~20% of the time)

Drinking coffee outside the home (low)

Going out (cinema, nightlife, etc.) (an average of 3x/week per active spender)

Smoking (0.5 pack/day per household)

Alcoholic beverages (low consumption)

Eating at home (Asian food)

Driving (moderate)

Taking Taxis (no)

Public transportation (no)

Sport/Gym Memberships (no)

Vacation and Travel (none)

Clothes shopping (moderate)

The cost of university is linked to the migrant’s immigration status. Some universities have different tuitions for local versus foreign students. As with health care, you cannot look at this cost without considering the quality of the product. Costs include not only tuition fees, but all costs associated with attending the university (excluding books and residence). If applicable, the annual cost was based upon the Business Administration undergraduate Bachelor program. The determination of whether the local or foreign annual university cost is integrated into the overall annual relocation cost is specific to each country and program policy on the subject.

Annual rent is calculated based upon a floor area of 110m2 in the city center. It accounts for the average cost of property, and does not target luxury housing. Depending on where you live, the cost can increase significantly, especially in cities where crime and violence are rampant.