How do I compare the total cost of living in different areas?

Start with annual rent divided by 12, then add electricity and water, cooling, gas where applicable, internet and parking. Ask what is included in the rent and what is billed separately. Request recent utility bills for a comparable occupancy where available, remembering that your own usage may differ.

Next, calculate transport costs based on your actual routine. Include public transport, taxis or the combined cost of fuel, tolls and parking. Test the commute during your normal working hours. A cheaper apartment may offer little saving if it significantly increases your travel costs and time.

Add groceries, childcare, school transport, gym memberships and other regular spending. Check whether facilities included in the building could replace something you currently pay for separately. For families, compare the combined cost of housing and schooling rather than choosing each independently.

Keep upfront cash requirements separate from recurring expenses. Compare the first rent instalment, security deposit, agency fees, Ejari, utility deposits, moving and furnishing costs. Refundable deposits still require money upfront, while the number of rent instalments affects how much cash you need at once. For a first-year comparison, add annual recurring expenses to one-off, non-refundable setup costs, and show refundable deposits separately.