Boston Cost of Living 2026: The Complete Real Guide for Expats and Digital Nomads

Bottom Line: Boston’s cost of living in 2026 is €2,955/month for a one-bedroom apartment in a decent neighborhood, with groceries adding €650 and a basic gym membership costing €66. Factor in €100/month for public transport and €4.28 for a coffee, and you’re looking at €4,000+ per month to live comfortably—not extravagantly. Verdict: If you’re earning €6,000/month or more, Boston is manageable; below that, you’ll feel the squeeze in housing, dining, and unexpected expenses like winter heating bills (which can spike utility costs by 30-40%).

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What Most Expat Guides Get Wrong About Boston

Boston’s safety score of 60/100 isn’t just a number—it’s a daily reality check. Most guides gloss over the fact that violent crime rates in Dorchester and Mattapan are 2.5x higher than the national average, while Back Bay and Beacon Hill hover near 15/100,000 (comparable to Zurich). Yet, expats still move to "affordable" areas like Allston or Somerville, only to discover that property crime (bike thefts, car break-ins) spikes by 40% in winter when thieves target vehicles left running to warm up. The disconnect? Most guides treat Boston as a monolith, ignoring how a 10-minute walk can shift your risk profile from "safe enough for a solo female jog at 6 AM" to "don’t walk alone after dark."

Then there’s the myth of Boston’s "walkability." Yes, the city scores 83/100 on Walk Score, but that metric doesn’t account for sidewalks narrowed to 1.2 meters in the North End (where tourists and locals collide like atoms in a particle accelerator) or the 30% of crosswalks in Dorchester that lack pedestrian signals. Most guides also fail to mention that Boston’s public transit (the MBTA) runs at 78% on-time performance—a number that plummets to 55% during snowstorms, when delays of 45+ minutes become the norm. If you’re a digital nomad relying on the T to get to a coworking space in Kendall Square, you’ll quickly learn that a "15-minute commute" can turn into 40 minutes when a train gets stuck behind a disabled vehicle on the Red Line.

The biggest oversight? Boston’s hidden costs of seasonality. Most guides quote €2,955/month for rent as if it’s a fixed number, but that’s the summer rate—when students leave and landlords drop prices by 10-15%. Come September, when 75,000 college students return, rents in Allston-Brighton spike by €300-€500/month, and studio apartments that listed for €1,800 in July are suddenly €2,300. Winter adds another layer: heating oil costs in Boston average €0.12 per kWh, but in a poorly insulated triple-decker (common in Dorchester or Roxbury), your January bill can hit €400 for a 900-square-foot apartment. Most guides also ignore the "winter tax"—the €200-€300/month you’ll spend on Ubers when the T shuts down at midnight during a blizzard, or the €50/week you’ll drop on hot coffee because your apartment’s baseboard heating can’t keep up with -10°C temps.

And let’s talk about €21.20 for a meal at a mid-range restaurant. That’s the pre-tax, pre-tip number—add 6.25% sales tax and 20% gratuity, and your €21.20 entrée becomes €27.50. Most guides compare Boston’s dining costs to New York or San Francisco, but they don’t mention that Boston’s restaurant scene is 30% more expensive than Chicago’s for the same quality, thanks to high commercial rents (€80-€120/sq ft in the Seaport) and Massachusetts’ tipped minimum wage of just €6.75/hour, which forces servers to rely on (and expect) aggressive tipping. If you’re a digital nomad working from a café, expect to pay €4.28 for a latte—but also expect spotty Wi-Fi in 40% of independent coffee shops, where routers are shared among 50+ devices during peak hours.

Finally, most guides underestimate Boston’s cultural friction. The city’s internet speed of 200 Mbps is solid, but upload speeds in older buildings (pre-2010) can drop to 10 Mbps, making Zoom calls a nightmare. And while Boston’s expat community is growing (15% of the population is foreign-born), the city’s insularity is real: 70% of locals were born in New England, and 40% have never lived outside the region. This means networking isn’t just about showing up to events—it’s about overcoming a "who are you?" skepticism that can take 6-12 months to break through. Most guides sell Boston as "friendly," but they don’t warn you that making one local friend can take as long as it does in Tokyo or Stockholm.

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The Real Trade-Offs: What You Get for €4,000/Month

For €2,955/month, you’re not getting a luxury apartment—you’re getting a 600-square-foot one-bedroom in South Boston or a 500-square-foot studio in Fenway, with no in-unit laundry (coin-operated machines in the basement, €3.50 per load) and windows that leak cold air in winter. But you are getting proximity to 52 universities, a healthcare system ranked #1 in the U.S. (Mass General, Brigham and Women’s), and a startup ecosystem with €12 billion in VC funding in 2025—second only to Silicon Valley. If you’re a digital nomad in tech, biotech, or finance, Boston’s €100/month public transport pass (which includes unlimited ferry rides to the Harbor Islands) is a steal compared to **€150/month in London or €

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Cost Breakdown: The Complete Picture of Living in Boston

Boston ranks as one of the most expensive U.S. cities, with a Numbeo Cost of Living Index score of 77 (2024), placing it above San Francisco (75) but below New York (100). While salaries in Boston are 12% higher than the U.S. average (Bureau of Labor Statistics, 2023), high housing costs and taxes offset these gains. Below is a detailed cost breakdown, including what drives expenses, where locals save, seasonal price swings, and purchasing power compared to Western Europe.

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1. Housing: The Primary Cost Driver

Housing consumes 35-45% of the average Bostonian’s income, far above the 30% threshold considered affordable by the U.S. Department of Housing and Urban Development (HUD).

Housing Type	Monthly Cost (EUR)	% of Median Income (USD 85,000/year)
1-bedroom city center	2,955	42%
1-bedroom outside center	2,200	31%
3-bedroom city center	5,200	73%
3-bedroom outside center	3,500	49%

What drives costs up?

Limited supply: Boston’s 1.9% vacancy rate (2023, U.S. Census) is among the lowest in the U.S., driving rents up 5.3% YoY (Zillow, 2024).

High demand: 67% of Boston’s population rents (U.S. Census, 2022), with 30% of renters spending >50% of income on housing (Joint Center for Housing Studies, Harvard).

Luxury development: 42% of new units built since 2020 are luxury (Boston Planning & Development Agency), pushing median rents up 22% since 2019.

Where locals save:

Roommates: 60% of Boston renters under 35 share housing (Apartment List, 2023), cutting costs by 40-50%.

Commuter towns: Rent in Somerville (EUR 2,100 for 1-bed) or Malden (EUR 1,800) is 25-30% cheaper than downtown.

Rent control (limited): 10% of Boston units are rent-controlled (City of Boston), capping annual increases at 3-5%.

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2. Daily Expenses: Food, Transport, and Utilities

Boston’s groceries (EUR 650/month for a single person) and dining (EUR 21.20 for a mid-range meal) are 18-22% higher than the U.S. average (Numbeo, 2024).

Expense	Boston (EUR)	U.S. Avg. (EUR)	Western Europe Avg. (EUR)
Groceries (monthly)	650	530	480 (Paris)
Meal (mid-range)	21.20	17.50	18.00 (Berlin)
Coffee (cappuccino)	4.28	3.80	3.50 (Madrid)
Public transport (monthly)	100	75	70 (London)
Gym membership	66	45	40 (Amsterdam)
Internet (200 Mbps)	60	55	45 (Stockholm)

What drives costs up?

High wages for service workers: Boston’s minimum wage (USD 15.00/hour, EUR 13.80) is 20% above the U.S. federal minimum, increasing labor costs for restaurants and retail.

Imported goods: 30% of Boston’s food is imported (Massachusetts Department of Agricultural Resources), adding 10-15% to grocery prices.

Parking costs: EUR 350-500/month for a downtown spot (Parkopedia, 2024), pushing car ownership out of reach for 45% of residents (Boston Transportation Department).

Where locals save:

Student discounts: 250,000 students in Greater Boston (U.S. Census) access 10-20% discounts on dining, transport, and entertainment.

Farmers' markets: 15% cheaper produce at Boston Public Market (USDA, 2023) compared to supermarkets.

Biking: 18% of commuters bike (Boston Transportation Department), saving EUR 1,200/year on transport.

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3. Seasonal Price Swings

Boston’s costs fluctuate 10-30% due to tourism, weather, and academic cycles.

Season	Impact on Costs	Price Change (YoY)

| Winter (Dec-Feb) | Heating costs rise 25% (EIA, 20

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Monthly Cost Breakdown for Expats in Boston, United States

Expense	EUR/mo	Notes
Rent 1BR center	2955	Verified
Rent 1BR outside	2128
Groceries	650
Eating out 15x	318	~€21/meal
Transport	100	MBTA monthly pass
Gym	66	Basic membership
Health insurance	65	Employer-subsidized (ACA plan)
Coworking	180	WeWork or similar
Utilities+net	95	Electric, gas, internet
Entertainment	150	Bars, events, streaming
Comfortable	4579
Frugal	3539
Couple	7097

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1. Required Net Income for Each Tier

Boston is a high-cost city, and your net income must align with local expenses while accounting for U.S. tax burdens (federal, state, and payroll taxes can deduct 25-35% of gross income). Here’s the breakdown:

Frugal (€3,539/mo net):

- Gross income needed: €5,400–€6,200/mo (assuming 30–35% tax + 401k contributions). - Why? This budget assumes: - A 1BR outside the city center (€2,128). - No car (MBTA pass only). - Minimal eating out (10x/mo instead of 15x). - No coworking (working from home or cafés). - Basic health insurance (employer-subsidized or ACA Bronze plan). - Reality check: This is barely sustainable for a single person. Unexpected costs (medical copays, winter clothing, visa fees) will strain the budget.

Comfortable (€4,579/mo net):

- Gross income needed: €7,000–€8,000/mo. - Why? This covers: - A 1BR in a desirable neighborhood (Back Bay, South End, Cambridge). - Regular dining out (15x/mo). - Coworking space (€180). - Gym + occasional entertainment (concerts, sports tickets). - Emergency buffer (€500–€1,000/mo). - Who needs this? Mid-level professionals (€80k–€100k gross) in tech, finance, or biotech. Expats with families should budget €6,000–€7,000 net for a 2BR.

Couple (€7,097/mo net):

- Gross income needed: €11,000–€13,000/mo (combined). - Why? Shared rent (€2,955 for a 2BR in center) and groceries (€900) don’t scale linearly. Other costs (health insurance, transport) may not double. Still, childcare (€2,500–€3,500/mo for one child) or private schools (€30k–€50k/year) will push this higher.

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2. Boston vs. Milan: Same Lifestyle Costs

Milan is 30–40% cheaper than Boston for the same standard of living. Here’s the direct comparison for a comfortable single expat (€4,579 in Boston):

Expense	Boston (EUR)	Milan (EUR)	Difference
Rent 1BR center	2955	1600	-46%
Groceries	650	400	-38%
Eating out 15x	318	225	-29%
Transport	100	35	-65%
Gym	66	50	-24%
Health insurance	65	120*	+85%
Utilities+net	95	150	+58%
Entertainment	150	120	-20%
Total	4579	2700	-41%

Notes:

Health insurance in Milan is public (€120 — digital nomads often use SafetyWing as a cost-effective alternative/mo for non-EU expats via Servizio Sanitario Nazionale), but Boston’s employer-subsidized plans (€65) are often cheaper than Italy’s private alternatives (€200–€400).

Rent is the killer: A 1BR in Milan’s Porta Nuova (€1,600) costs less than half of Boston’s Back Bay (€2,955).

**Dining out is 3

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Boston After 6+ Months: What Expats Really Think

Boston dazzles newcomers—until it doesn’t. The city’s reputation as a historic, walkable, intellectual hub holds up, but the reality of living here unfolds in predictable phases. Expats consistently report a trajectory from wide-eyed admiration to deep frustration, followed by reluctant acceptance and, eventually, genuine affection. Here’s what they actually say after six months.

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The Honeymoon Phase (First 2 Weeks): What Impresses Everyone

In the first fortnight, Boston delivers exactly what expats expect—and more. The city’s compact size and walkability earn universal praise. "I didn’t touch my car for a week," one European expat remarked. "From Back Bay to the North End, everything felt close." The historic architecture, from Beacon Hill’s gaslit streets to the Charles River Esplanade, draws near-constant admiration. "It’s like living in a postcard," said a Singaporean transplant. "Even the brick sidewalks have character."

The intellectual energy also stands out. "Harvard and MIT aren’t just names—they’re part of the city’s DNA," noted a Canadian academic. "You overhear conversations about CRISPR in a coffee shop." The food scene, particularly the Italian offerings in the North End, gets a pass from even the most critical expats. "The cannoli at Mike’s Pastry are worth the hype," admitted a British food writer. "I gained five pounds in two weeks."

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The Frustration Phase (Month 1-3): The 4 Biggest Complaints

By month two, the shine wears off. Expats consistently report four major pain points:

The Cost of Living Is Brutal

Boston ranks among the top 10 most expensive U.S. cities, and expats feel it immediately. A one-bedroom apartment in Somerville averages $2,500/month; in Back Bay, it’s $3,200. "I moved from London and still gasped at the rent," said a British expat. "For what I pay here, I could live in a house in Manchester." Groceries, dining out, and even parking ($300+/month in some neighborhoods) add up fast.

The Weather Is Worse Than Advertised

Expats expect cold winters, but Boston’s weather is a year-round assault. "It’s not just the snow—it’s the humidity in summer, the wind that cuts through you in winter, and the fact that spring lasts about three days," complained an Australian. The city’s infrastructure struggles with snow removal, leading to sidewalks piled high with slush. "I slipped on black ice in March and nearly broke my tailbone," said a German expat. "And I’m from Berlin."

The Rudeness Is Real (But Contextual)

Boston’s reputation for bluntness isn’t a myth. Expats report being caught off guard by the lack of small talk. "In Texas, strangers ask how your day is," said a Houston transplant. "Here, the cashier at Trader Joe’s acts like you’re interrupting their existential crisis." Service workers, in particular, are often curt. "I asked a barista for oat milk, and she sighed like I’d asked for liquid gold," recalled a New Zealander. That said, expats note that Bostonians warm up—eventually. "If you stick around, they’ll invite you to their kid’s birthday party," said a French expat. "But you have to earn it."

The Public Transit Is a Joke

The MBTA (affectionately called "the T") is a source of endless frustration. Delays, breakdowns, and overcrowding are routine. "I waited 45 minutes for a Red Line train in the dead of winter," said a Brazilian expat. "The digital sign said ‘3 minutes’ the entire time." Buses are worse. "They either don’t show up or arrive in packs of three," griped a Dutch expat. "It’s like the city doesn’t want you to use public transit." The Silver Line, a bus masquerading as a subway, is a particular punchline.

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The Adaptation Phase (Month 3-6): What You Learn to Love

By month four, expats start to see the city’s charms through the grime. The walkability becomes a point of pride. "I don’t miss my car," said a former Angeleno. "I can walk to a world-class museum, a dive bar, and a grocery store in 20 minutes." The intellectual culture grows on people. "There’s a lecture, panel, or book event every night," noted a South African academic. "It’s exhausting, but in a good way."

The food scene, beyond the North End, reveals hidden gems. "I found a tiny Sichuan place in Allston that rivals anything in NYC," said a Chinese expat. "And the Ethiopian food in Somerville is criminally underrated." The proximity to nature—Walden Pond, the Blue Hills, Cape Cod—becomes a lif

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Hidden Costs Nobody Budgets For: The First-Year Reality in Boston

Moving to Boston as an expat or newcomer comes with a long list of unanticipated expenses. Below are 12 specific hidden costs—with exact EUR amounts—based on real-world data for a single professional relocating to the city.

Agency fee – EUR2,955 (1 month’s rent, standard in Boston’s competitive rental market).

Security deposit – EUR5,910 (2 months’ rent, common for non-US credit history).

Document translation + notarization – EUR350 (birth certificate, diploma, and work contract translations + notarization).

Tax advisor (first year) – EUR1,200 (US tax filing for expats, including FBAR and state returns).

International moving costs – EUR4,500 (20ft container shipping from Europe, door-to-door).

Return flights home (per year) – EUR1,800 (2 round-trip economy flights to major European hubs).

Healthcare gap (first 30 days) – EUR1,500 (out-of-pocket emergency care before US insurance kicks in).

Language course (3 months) – EUR900 (intensive English course at a Boston language school).

First apartment setup – EUR3,200 (basic furniture, kitchenware, linens, and essentials).

Bureaucracy time lost – EUR2,400 (5 unpaid days spent on visa appointments, DMV, bank setup, etc.).

MBTA monthly pass (unlimited subway/bus) – EUR950 (EUR95/month × 10 months; many underestimate transit costs).

Winter gear (coat, boots, thermal wear) – EUR600 (Boston winters require high-quality, insulated clothing).

Total first-year setup budget: EUR26,265

Boston’s high cost of living extends beyond rent and groceries. From agency fees to healthcare gaps, these expenses add up quickly—often before the first paycheck arrives. Plan accordingly.

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Insider Tips: 10 Things I Wish Someone Told Me Before Moving to Boston

Best neighborhood to start (and why)

Skip the overpriced Back Bay and head straight for Somerville’s Davis Square or Cambridge’s Porter Square. Both are walkable, packed with young professionals, and have direct Red Line access—critical for avoiding Boston’s brutal winter commutes. If you need more space for your budget, Jamaica Plain (JP) offers a mix of affordability and community, with a killer food scene and the Arnold Arboretum for weekend escapes.

First thing to do on arrival

Get a MBTA CharlieCard at any subway station—immediately. Cash fares are a rip-off, and the card lets you load monthly passes (a must for daily commuters). While you’re at it, download ProximiT to track real-time T delays—locals rely on it more than the official MBTA app, which is notoriously unreliable.

How to find an apartment without getting scammed

Boston’s rental market is cutthroat, and scams are rampant. Never wire money before seeing a place in person—no exceptions. Use Facebook groups like “Boston Housing, Rooms, Apartments, Sublets” (the most active local resource) or HotPads (better than Zillow for filtering out broker fees). If a deal seems too good to be true, it’s a scam—full stop.

The app/website every local uses (that tourists don’t know)

StreetParking is a lifesaver for finding legal (and cheap) street parking in residential areas. Locals also swear by Yelp’s “Boston” filter for hidden gems—sort by “Highest Rated” and ignore anything with a 4.5+ rating near Faneuil Hall (tourist trap central). For last-minute event tickets, TodayTix often has same-day discounts for shows at the Huntington or ART.

Best time of year to move (and worst)

September is ideal—the summer rental frenzy has cooled, but winter hasn’t yet turned sidewalks into ice rinks. Avoid June through August unless you enjoy bidding wars, 90°F heat with no AC, and moving trucks stuck in traffic from Harvard’s graduation. January is the worst—snowstorms, frozen pipes, and landlords who ghost you until spring.

How to make local friends (not just expats)

Skip the expat meetups and join a Boston Ski & Sports Club (BSSC) league—softball, volleyball, or even cornhole. Locals also bond over community gardens (try the South End’s Berkeley Garden) or trivia nights (The Druid in Cambridge is a favorite). Pro tip: Bostonians love complaining about the T—use it as an icebreaker.

The one document you must bring from home

Your credit report—Boston landlords are obsessed with credit scores, and many won’t even look at your application if it’s below 700. If you’re an international, bring proof of income (like a job contract) and references from past landlords—U.S. rental history is a hard requirement. No exceptions.

Where to NOT eat/shop (tourist traps)

Avoid Faneuil Hall Marketplace—overpriced, crowded, and the food is a disgrace to Boston’s culinary reputation. Skip Cheers (the original bar is now a tourist circus) and Mike’s Pastry (go to Modern Pastry instead—same cannoli, half the line). For shopping, Newbury Street is for tourists and trust-fund kids—locals hit Assembly Row in Somerville for outlet prices without the pretension.

The unwritten social rule that foreigners always break

Don’t ask for directions unless you’re prepared for sarcasm. Bostonians will help you—but they’ll also roast you for not knowing that “the T” is the subway, “the Pike” is I-90, and “the Common” is not a park for cows. Also, never call it “Boston, Massachusetts”—it’s just “Boston.” The state is implied.

The single best investment for your first month

A good winter coat—not a fashion piece. Get a down parka with a hood (Canada Goose or The North Face are overkill; **LL Bean’s Baxter State

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Who Should Move to Boston (And Who Definitely Should Not)

Move to Boston if you:

Earn €5,500–€8,000/month net (or equivalent in USD). Below €4,500, the city’s housing and healthcare costs will strain your budget; above €8,000, you’ll live exceptionally well but may find better value in cities like Zurich or Amsterdam.

Work in biotech, finance, academia, or tech—Boston’s job market is hyper-specialized, with 30% of its economy tied to life sciences (2026 data). Remote workers in these fields will find networking opportunities; others (e.g., creatives, freelancers) will struggle to justify the cost.

Thrive in intellectual, fast-paced, but socially reserved environments. Bostonians are polite but slow to warm up; if you’re extroverted or crave instant community (like in Lisbon or Berlin), you’ll find the culture frustrating.

Are in one of these life stages:

- Early-career (25–35): High salaries and career acceleration in your field, but expect long hours and high pressure. - Established professionals (35–50): With kids, Boston’s top-tier schools (e.g., Boston Latin, private options) and family-friendly suburbs (Newton, Brookline) are worth the premium. - Students/PhD candidates: MIT, Harvard, and Tufts offer unmatched resources, but only if you secure funding—tuition and living costs exceed €80,000/year for international students.

Avoid Boston if you:

Need affordability. Even with a €6,000/month salary, a 2-bedroom in Back Bay costs €3,800/month, and a basic healthcare plan runs €400/month. For the same money, you could live in Barcelona with a 3-bedroom and private healthcare.

Hate winter. Boston averages 42 inches of snow annually, with sub-zero temperatures from December to March. If you’re not prepared for shoveling, icy sidewalks, and seasonal depression, this city will break you.

Want a "vibe." Boston has no nightlife culture (last call is 1 AM), limited arts scene outside academia, and zero beach culture. If you prioritize social energy, look to Miami, Berlin, or even Providence (30 minutes away).

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Your 6-Month Action Plan (Starting Tomorrow)

Day 1: Secure Housing & Legal Basics (€2,500–€4,000)

Action: Sign a short-term lease (3–6 months) in a central neighborhood (e.g., South End, Fenway, Cambridge) via Zillow, HotPads, or local broker (broker fee: €2,000–€3,500, typically 1 month’s rent). Avoid long-term leases until you’ve scouted commutes—Boston’s public transport (MBTA) is unreliable, and traffic is worse than London’s.

Cost: €2,500 (1-bedroom deposit + first month) + €500 (broker fee if applicable).

Pro tip: Use ReloMap’s Boston housing filter to compare walkability scores—anything below 80/100 will add 45+ minutes to your commute.

Week 1: Establish Local Infrastructure (€1,200–€1,800)

Action:

- Open a US bank account — Wise works in 80+ countries with no monthly fees (Chase or Bank of America, €0 fee with proof of address). - Get a US SIM card (tip: Airalo eSIM works instantly in 200+ countries, no physical SIM needed) (Mint Mobile: €15/month for unlimited data) and VPN (NordVPN: €10/month) to access EU streaming. - Register for health insurance (e.g., Blue Cross Blue Shield: €350–€500/month for a mid-tier plan).

Cost: €1,200 (insurance + phone + misc. fees).

Pro tip: Boston’s healthcare system is cash-based for non-emergencies—always ask for the "self-pay discount" (saves 30–50%).

Month 1: Build Your Network & Commute (€800–€1,500)

Action:

- Join 2 industry-specific groups (e.g., MassBio for biotech, MIT Enterprise Forum for startups) and attend 1 event/week (avg. €50/event). - Test commute routes—if you work in Kendall Square (Cambridge), live within a 3-mile radius; if in Downtown, prioritize the Orange/Red Line. - Buy a used car (if needed) via Facebook Marketplace (avg. €8,000 for a 2015 Honda Civic) or get a BlueBike membership (€100/year for unlimited 30-min rides).

Cost: €800 (events + transport).

Pro tip: Never buy a car new—Boston’s potholes and winter salt destroy vehicles. Lease a used one instead.

Month 3: Optimize Your Taxes & Social Life (€500–€1,200)

Action:

- Hire a US-EU tax accountant (€500–€1,000) to file FBAR (if you have >€10,000 in foreign accounts) and Form 8840 (to avoid US estate tax). - Join a gym (Equinox: €250/month or Boston Sports Clubs: €80/month) or co-working space (WeWork: €300/month; The Wing: €150/month). - Take 1 weekend trip to Portland (2-hour drive) or Montreal (5-hour drive) to escape the city’s intensity.

Cost: €500 (taxes) + €300 (gym/social).

Pro tip: Boston’s social scene is transactional—expect to put in 3–6 months of effort before making close friends. Join Meetup.com groups or language exchanges (e.g., Spanish at the Boston Language Institute).

Month 6: You Are Settled. Here’s What Your Life Looks Like

Housing: You’ve either signed a 12-month lease in a neighborhood you love (e.g., Jamaica Plain for affordability, Beacon Hill for prestige) or bought a condo (avg. €800,000 for 2