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255 Ecuador, Quito

212 USA, San Antonio Tex

2 China, Hong Kong

35 Finland, Helsinki

266 China, Wuhan

172 United Kingdom, Birmingham

74 USA, Baltimore Md

84 Hungary, Budapest

263 China, Dalian

44 Cameroon, Yaounde

165 Marshall Islands, Majuro

13 Russia, Moscow

57 United Arab Emirates, Abu Dhabi

223 Korea Democratic Republic of, Pyongyang

146 India, Mumbai

Rank and Location

These relative changes have a substantial impact on expatriate employees. An expatriate working in a high cost of living - strong currency country such as Hong Kong where the Hong Kong Dollar is pegged to the US Dollar illustrates this point. The high cost of living makes it difficult to save due to high local prices; Household (Accommodation including utilities) in particular is very expensive. However, an expatriate working in Hong Kong will now likely find that remitting money back home provides greatly increased spending power at home.  In the past year the Hong Kong Dollar has increased 15% against the Malaysian Ringgit, and 30% against the Indonesian Rupiah and the Australian Dollar.

95 Congo Democratic Rep, Kinshasa

177 USA, St Louis MO

111 Armenia, Yerevan

123 Guam, Hagatna

276 Zimbabwe, Harare

121 Canada, Calgary

3 Nigeria, Lagos

247 Chile, Santiago

240 Pakistan, Islamabad

130 Saint Helena, Jamestown

105 China, Beijing

63 USA, Philadelphia Pa

36 Italy, Rome

72 USA, Washington DC

Geneva has dropped slightly to 6th, having been ranked 4th in December 2008.  It is ranked 3rd most expensive for Transport expenses, 11th for Recreation & Culture, 15th for Healthcare, and 20th for Clothing.

156 Congo, Brazzaville

267 Namibia, Windhoek

219 Fiji, Suva

244 Pakistan, Karachi

188 USA, Pittsburgh Penn

70 Trinidad and Tobago, Port-of-Spain

Hong Kong is now ranked 2nd overall having climbed from 33rd place in December 2008. Its cost of living index has increased from 103 to 121 and is ranked 1st for Household expenses and 2nd for Healthcare. It is interesting however to note that Hong Kong is not expensive in all categories. It is ranked 202nd for Alcohol & Tobacco, 226th for Recreation & Culture, 227th for Education, and 247th for Furniture & Appliances.

271 Seychelles, Victoria

197 Canada, Ottawa

142 Lithuania, Vilnius

135 Malawi, Lilongwe

159 USA, Detroit Mich

87 Lebanon, Beirut

253 Bosnia and Herzegovina, Sarajevo

163 Korea Republic of, Seoul

189 Belize, Belmopan

208 Mongolia, Ulaanbaatar

211 Burundi, Bujumbura

274 Swaziland, Mbabane

245 Australia, Adelaide

122 Rwanda, Kigali

268 Libya, Tripoli

270 China, Guangzhou

205 Cuba, Havana

194 Cape Verde, Praia

210 India, Hyderabad

167 USA, Phoenix Ariz

82 Canada, Toronto

88 USA, Miami Fla

157 Guinea, Conakry

127 Cyprus, Nicosia

38 Cote D'Ivoire, Abidjan

213 Myanmar, Yangon

251 Iraq, Baghdad

196 USA, Houston Tex

149 Algeria, Algiers

233 Serbia, Belgrade

76 Saudi Arabia, Riyadh

32 Central African Republic, Bangui

237 Colombia, Bogota

A cost of living index increases or decreases based on the local price of the goods and services used in the study and the ruling exchange rate. As a general principle, a country with a currency that has increased against other currencies (stronger currency) and which has relatively high local inflation (rapid/large price increases), will generally experience an increase in cost of living compared to other countries. On the other hand, a country with a currency that has decreased against other currencies (weaker currency) and which has relatively low local inflation will generally experience a decrease in cost of living compared to other countries.  It is important to note that we are talking about relative changes. Take London as another example. As recently as December 2008, London was still ranked the 6th most expensive place in the world for expatriates to live. As at April 2009 it is the 23rd most expensive place in the world for expatriates. That does not mean that the local cost of living for expatriates living in London has decreased. What it does mean is that relative to other places in the world, London is no longer as expensive as it was last year.  What makes London’s cost of living relatively lower than it was is mainly due to the increase in the cost of living elsewhere together with the weaker British Pound.

114 Gibraltar, Gibraltar

7 United Arab Emirates, Dubai

206 Oman, Muscat

202 Dominican Republic, Santo Domingo

239 Sri Lanka, Colombo

International cost of living rankings are the result of comparing the cost of an expatriate’s personal budget, using the local prices for the same defined quantities of the same goods and services in each country throughout the world.

178 Saint Vincent and the Grenadines, Kingstown

192 Guatemala, Guatemala City

184 USA, El Paso Tex

Geneva has a cost of living index of 110 for example. That means that on average, goods and services that cost $100 in New York, cost $110 in Geneva. Each city is ranked according to their overall cost of living index which includes the cost of all basket groups.

78 Comores, Moroni

218 Mauritius, Port Louis

81 Vatican City, Vatican City

107 Turkey, Ankara

34 USA, Boston Mass

51 Belgium, Brussels

94 Moldova, Chisinau

108 Togo, Lome

248 Malaysia, Kuala Lumpur

28 USA, San Francisco Calif

97 Tuvalu, Funafuti

182 Slovenia, Ljubljana

Dubai has moved into the top 10 most expensive places in the world for expatriates to live for the first time. Dubai is now ranked 7th, substantially up from 34th in December 2008. Its cost of living index has increased from 103 to 109 since December 2008. It is ranked 1st for Restaurants Meals Out and Hotel expenses, 6th for Clothing, 11th for Healthcare, and 16th for Groceries. Dubai is currently ranked 4th for Household expenses (Accommodation including utilities), however evidence is emerging that this will decrease significantly in the next quarter as it has been hit relatively hard in the property sector with falling property prices and rentals.

254 Uzbekistan, Tashkent

229 New Zealand, Auckland

140 Gambia, Banjul

230 Kiribati, South Tarawa

26 Italy, Milan

227 India, Bangalore

98 Iceland, Reykjavík

The Top 10 Most Expensive Places for Expatriates to Live

77 Guernsey, St Peter Port

260 South Africa, Johannesburg

132 Greece, Athens

31 Bahamas, Nassau

55 Mali, Bamako

191 Romania, Bucharest

56 Gabon, Libreville

115 Sweden, Stockholm

83 Timor-Leste, Dili

185 Philippines, Manila

11 Angola, Luanda

20 New Caledonia, Noumea

264 South Africa, Pretoria

272 South Africa, Durban

204 237 Suriname, Paramaribo

66 Germany, Berlin

104 Niger, Niamey

39 Bahrain, Manama

58 Croatia, Zagreb

275 China, Tianjin

113 Liberia, Monrovia

262 Tonga, Nuku'Alofa

124 Burkina Faso, Ouagadougou

261 China, Shenzhen

42 Haiti, Port-au-Prince

221 Australia, Brisbane

24 France, Paris

30 Austria, Vienna

183 Mauritania, Nouakchott

138 USA, Jacksonville Fla

Lagos is the 3rd most expensive city in the world for expatriates, having previously been ranked 11th.  It is ranked 1st for Groceries and for Furniture & Appliance expenses, 6th for Healthcare, and 18th for Restaurants, Meals Out and Hotels. 

232 Kenya, Nairobi

68 USA, San Diego Calif

257 Tunisia, Tunis

89 Vanuatu, Port Vila

1 Japan, Tokyo

186 China, Shanghai

181 USA, Fort Worth Tex

166 Australia, Perth

61 Spain, Madrid

43 USA, San Jose Calif

201 Guyana, Georgetown

40 Micronesia, Palikir

8 Qatar, Doha

190 India, New Delhi

152 USA, Atlanta GA

Caracas has moved substantially up the rankings to 4th, having been ranked just 32nd in December 2008. It is ranked 1st for Education expenses, 5th for Healthcare, and 6th for Household expenses (Accommodation including utilities).

52 Netherlands, Amsterdam

209 Tajikistan, Dushanbe

164 USA, Charlotte NC

112 USA, Chicago Ill

110 Martinique, Fort-de-France

168 USA, Columbus Ohio

47 Guinea-Bissau, Bissau

269 South Africa, Cape Town

Doha has moved up in the global rankings faster than any other city. In December 2008, Doha was ranked the 45th most expensive city for expatriates, it is now 8th. The overall cost of living index has moved up from 101 to 109, equal to that of Dubai.  It is ranked 2nd for Restaurants, Meals Out and Hotel expenses, 3rd for Clothing, 7th for Household expenses (Accommodation including utilities), 8th for Groceries as well as for Recreation and Culture, and 10th for Healthcare.

235 Pakistan, Lahore

75 Falkland Islands, Stanley

27 San Marino, San Marino

14 Solomon Islands, Honiara

226 Morocco, Rabat

224 Laos, Vientiane

234 Bangladesh, Dhaka

62 Ukraine, Kiev

151 Honduras, Tegucigalpa

54 Jersey, Saint Helier

131 Tanzania, Dar es Salaam

90 Luxembourg, Luxembourg

137 Indonesia, Jakarta

5 Papua New Guinea, Port Moresby

6 Switzerland, Geneva

23 United Kingdom, London

119 Malta, Velletta

243 Macedonia, Skopje

Hamilton in Bermuda completes the top 10 moving from 26th in December despite the overall cost of index remaining 108. Hamilton is ranked 4th most expensive for both Education and Healthcare, 10th for Personal Care, 11th for Household expenses (Accommodation including utilities), and 15th for Groceries.  

228 Saint Lucia, Castries

118 Israel, Jerusalem

154 Canada, Montreal

93 Kuwait, Kuwait City

236 Bolivia, La Paz

The full overall cost of living ranking list, sourced from xpatulator.com as at 1 April 2009 is as follows: 

59 Singapore, Singapore

18 Liechtenstein, Vaduz

153 USA, Cleveland Ohio

250 Eritrea, Asmara

 

134 Maldives, Male

17 Taiwan, Taipei

73 Estonia, Tallinn

Port Moresby in Papua New Guinea is the 5th ranked overall most expensive city for expatriates due to most goods and services being imported from Australia. Port Moresby is ranked 6th for Recreation & Culture, 7th for Communication and for Healthcare, and 8th most expensive for Clothing.

86 Brazil, Brasilia

99 Barbados, Bridgetown

91 Jamaica, Kingston

25 Norway, Oslo

101 Mozambique, Maputo

Our findings show that the compound impact of the multifaceted global economic trends that impact each country in one way or another, are contributing to rapid substantial changes in the relative cost of living of countries around the world. The changes in relative cost of living are large and have occurred in a relatively short period of time. The reason for this is due to the fact that so many economic crises are occurring simultaneously. 2008 saw the housing bubble burst followed by the failure of a number of global fund / asset management, insurance and banking giants. Some have been liquidated or taken over; others have been bailed out with government funds. In 2009 we have seen the continued fall in house prices which many believe have yet to bottom out. Stock prices and market indexes are down to levels last seen a decade or more ago. The trend towards decreased inflation and lower interest rates continues in developed and developing markets. We are also experiencing exchange rate volatility with a number of large economies seeing their currency weaken considerably in the past year. The economic impact is continuing to spread around the globe. We are currently seeing a truly global recession with reduced demand for manufacturing inputs and outputs as well as reduced energy demand and large scale job losses.

85 USA, Seattle Wash

128 USA, Las Vegas Nev

79 Sudan, Khartoum

116 Somalia, Mogadishu

53 Sao Tome and Principe, Sao Tome

195 India, Chennai

9 Denmark, Copenhagen

174 Grenada, Saint George's

265 Lesotho, Maseru

10 Bermuda, Hamilton

29 Monaco, Monaco

246 Montenegro, Podgorica

161 Latvia, Riga

21 Greenland, Nuuk

117 USA, Portland Ore

19 USA, New York NY

69 Jordan, Amman

16 Chad, N'Djamena

4 Venezuela, Caracas

160 Panama, Panama City

102 Senegal, Dakar

144 USA, Dallas Tex

125 Zambia, Lusaka

176 USA, Indianapolis Ind

92 Australia, Sydney

220 Egypt, Cairo

International Cost of Living Rankings

106 Ethiopia, Addis Ababa

141 United Kingdom, Glasgow

180 Syria, Damascus

100 Portugal, Lisbon

179 Peru, Lima

259 Bhutan, Thimphu

49 Benin, Cotonou

103 Canada, Vancouver

80 Germany, Bonn

215 Paraguay, Asuncion

256 Nepal, Kathmandu

147 Australia, Melbourne

48 Azerbaijan, Baku

252 Argentina, Buenos Aires

238 Botswana, Gaberone

45 Djibouti, Djibouti

143 Belarus, Minsk

171 USA, Tampa Fla

258 Yemen, Sanaa

Denmark has dropped slightly to being the 9th most expensive place in the world for expatriates, having been ranked 3rd in December 2008. It is ranked 3rd most expensive for Groceries, 5th for Transport, and 15th for Furniture and Appliances.   

126 Andorra, Andorra la Vella

133 Poland, Warsaw

71 USA, Los Angeles Calif

22 Ireland, Dublin

150 Georgia Republic of, Tbilisi

41 Isle of Man, Douglas

65 Sierra Leone, Freetown

203 Bulgaria, Sofia

222 El Salvador, San Salvador

136 Thailand, Bangkok

12 Switzerland, Zurich

Tokyo has retained its status as the most expensive city in the world for expatriates to live. The cost of living index for Tokyo has increased from 126 in December 2008 to 143 as at 1 April 2009, and the Yen has strengthened against the US Dollar. At the other end of the scale, Harare has retained its status as the least expensive city in the world and is ranked 276 with an index of just 17 and a currency which is still in free-fall. Tokyo is ranked 1st for Healthcare expenses, 2nd for Groceries and 2nd for Household (Accommodation including utilities).

200 Nicaragua, Managua

109 Equatorial Guinea, Malabo

37 Kazakhstan, Almaty

67 Czech Republic, Prague

231 Kosovo, Pristina

60 Ghana, Accra

120 Puerto Rico, San Juan

173 Afghanistan, Kabul

170 Madagascar, Antananarivo

169 USA, Austin Tex

158 Saint Kitts and Nevis, Basseterre

This study of 276 global locations covered every country in the world. The study comprised the cost of several hundred items that expatriates typically spend their pay on, grouped into 13 Basket Groups. The findings as at 1 April 2009 have been compared to the previous findings of 1 December 2008.  The Index uses New York as the base (New York = 100).  An index greater than 100, means that the cost of living is higher than New York, an index less than 100, means that the cost of living is lower than New York.

148 USA, Denver Colo

50 Slovakia, Bratislava

198 Costa Rica, San Jose

145 Australia, Canberra

33 Nauru, Yaren

217 Brunei, Bandar Seri Begawan

175 Vietnam, Hanoi

96 Germany, Frankfurt

242 Kyrgyzstan, Bishkek

15 Cameroon, Douala

214 Uruguay, Montevideo

207 India, Calcutta

64 Cayman Islands, George Town

187 USA, Memphis Tenn

193 Iran, Tehran

241 Turkmenistan, Ashgabat

199 Dominica, Roseau

162 Uganda, Kampala

273 Cambodia, Phnom Penh

129 Samoa, Apia

139 Antigua and Barbuda, Saint John's

249 China, Macao

216 Albania, Tirana

46 Palau, Melekeok

155 USA, Milwaukee Wis

225 Mexico, Mexico City

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