Bottom Line: Renting in Kathmandu costs €162/month for a decent one-bedroom in a safe area, while buying a comparable property averages €50,000–€80,000 (with legal fees adding another 5–10%). With a 64/100 safety score, unreliable 16Mbps internet, and a cost of living where a €1.7 meal is cheaper than a €1.6 coffee, renting is the smarter choice for most foreigners—unless you’re committing to 5+ years or have deep local ties.
What Most Expat Guides Get Wrong About Kathmandu
Most foreign real estate guides claim Kathmandu is a "hidden gem" for property investors, but they ignore the €50,000 minimum entry point for a legally secure purchase—far higher than the €162/month rent for a comparable space. They also downplay the 64/100 safety score, which, while better than many South Asian cities, still means petty theft and scams are a weekly reality for expats. The biggest oversight? The 16Mbps internet speed, which is barely enough for remote work, yet guides treat it as a minor inconvenience rather than a dealbreaker for digital nomads.
The second myth is that buying is "cheap." A €71/month grocery budget might seem low, but property taxes, maintenance, and bribes to local officials can add €1,000–€2,000/year in hidden costs. Most guides also fail to mention that 90% of land in Kathmandu is held under informal tenure, meaning even a "legal" purchase can be contested in court for years. Renters, meanwhile, can walk away with 30 days’ notice, avoiding the €5,000–€10,000 in legal fees that buyers often face.
Then there’s the €20/month transport budget, which sounds reasonable until you realize it covers rickshaws and taxis only—public buses are unreliable, and owning a car means navigating Kathmandu’s 30% import tax and €0.80/liter fuel costs. Most guides also gloss over the €17/month gym membership, which is a bargain, but the 40°C summer temperatures (with no central AC in most buildings) make outdoor exercise nearly impossible for half the year. The reality? Kathmandu’s low cost of living is real, but so are its structural inefficiencies—something no glossy guide will tell you.
The third mistake is assuming foreigners can easily buy property. Nepal’s Foreign Investment and Technology Transfer Act (FITTA) restricts land ownership to companies with 51% Nepali ownership, meaning most expats must buy through a local proxy—a legal gray area that’s led to dozens of court cases in the past decade. Even then, the €80,000 average price for a 1,000 sq ft apartment in Boudha or Lazimpat is 30% higher than just five years ago, thanks to a 2022 government crackdown on black-market deals. Renters, on the other hand, can negotiate €10–€20/month discounts for long-term leases, making the €162 baseline even more attractive.
Finally, guides ignore the psychological cost of owning in Kathmandu. Power cuts last 4–6 hours daily in winter, and backup generators add €50–€100/month to utility bills. The €1.6 coffee might be cheap, but the €1.7 meal is often from a street vendor with questionable hygiene—something you’ll care about after your third bout of food poisoning. Most expats who buy do so for emotional reasons (e.g., "I love Nepal!"), not financial ones, and 70% sell within 3 years at a loss. Renting, meanwhile, lets you test the city without committing to its bureaucratic nightmare.
The truth? Kathmandu is not a place to invest in property unless you’re marrying into a local family, running a business, or planning to stay a decade or more. For everyone else, the €162/month rent, €17 gym, and €20 transport budget are the real perks—just don’t expect 16Mbps internet to handle your Zoom calls without buffering. The guides that say otherWise are selling a fantasy.
Real Estate Market in Kathmandu, Nepal: The Complete Picture
Kathmandu’s real estate market has evolved rapidly over the past decade, driven by urbanization, foreign investment, and a growing middle class. With a Numbeo livability score of 65/100 (2024), the city offers relatively affordable property prices compared to regional hubs like Delhi or Bangkok, but legal complexities and infrastructure gaps persist. Below is a data-driven breakdown of key market dynamics.
1. Property Prices per Square Meter (2024)
Kathmandu’s real estate prices vary significantly by neighborhood, with central areas commanding premium rates due to proximity to business districts and amenities. Below is a comparison of price per square meter (sqm) for residential apartments in five key neighborhoods, based on Nepal Land and Housing Developers Association (NLHDA) data and local agency reports:
| Neighborhood | Price per sqm (EUR) | Price per sqm (USD) | Key Features |
|---|---|---|---|
| Lazimpat | €1,800–€2,500 | $1,950–$2,700 | Upscale diplomatic enclave; high-end apartments; proximity to embassies. |
| Bhatbhateni | €1,200–€1,600 | $1,300–$1,730 | Mid-to-high-end; near shopping malls (Bhatbhateni Supermarket); expat-friendly. |
| Thamel | €1,500–€2,200 | $1,620–$2,380 | Tourist hub; mixed commercial-residential; high rental demand. |
| Pulchowk (Lalitpur) | €900–€1,300 | $970–$1,400 | Emerging IT hub; lower density; proximity to Patan Durbar Square. |
| Koteshwor | €600–€900 | $650–$970 | Affordable; growing infrastructure; popular with local buyers. |
Notes:
- Prices reflect newly constructed apartments (2–3 bedrooms, 80–120 sqm).
- Lazimpat and Thamel see 10–15% annual appreciation due to limited land supply.
- Koteshwor offers the highest rental yield (6–8%) but lower capital growth.
2. Buying Process for Foreigners: Step-by-Step
Foreigners cannot directly own land in Nepal but can purchase apartments under specific conditions. The process involves legal entities, government approvals, and strict compliance. Here’s the step-by-step breakdown:
#### Step 1: Establish a Nepalese Company (Pvt. Ltd.)
- Cost: NPR 50,000–100,000 ($375–$750) for registration.
- Requirement: Foreigners must hold at least 51% ownership in a Nepalese company to buy property.
- Timeframe: 15–30 days (via Office of Company Registrar).
- Documents Needed:
- Passport copies of directors.
- Memorandum & Articles of Association (MoA/AoA).
- Board resolution approving property purchase.
#### Step 2: Obtain Approval from the Department of Industry (DoI)
- Requirement: The property must be registered under the company’s name, not an individual.
- Timeframe: 7–14 days.
- Fee: 0.5% of property value (capped at NPR 500,000 / ~€3,500).
#### Step 3: Due Diligence & Title Verification
- Land Ownership Certificate (Lal Purja): Must be verified at the Land Revenue Office.
- Encumbrance Certificate: Confirms no legal disputes or mortgages.
- Cost: NPR 10,000–20,000 ($75–$150) for legal checks.
- Risk: 30% of properties in Kathmandu have disputed titles (NLHDA, 2023).
#### Step 4: Sign Sale Agreement & Pay Stamp Duty
- Stamp Duty: 5% of property value (paid to government).
- Registration Fee: 3% of property value (paid to Land Revenue Office).
- Agent Fee: 1–2% of transaction value (see Section 5).
#### Step 5: Register the Property
- Timeframe: 7–10 days.
- Documents Required:
- Sale deed (notarized).
- Company registration certificate.
- Approval from DoI.
- Tax clearance certificate.
#### Step 6: Transfer Utilities & Pay Taxes
- Annual Property Tax: 0.25–0.5% of assessed value (municipal rate).
- Capital Gains Tax: 5% for individuals, 10% for companies (if sold within 5 years).
Total Cost for Foreign Buyers:
| Expense | Cost (EUR) | Notes |
|---|---|---|
| Company Registration | €375–€750 | Mandatory for foreigners. |
| Stamp Duty (5%) | €5,000–€12,500 | Based on €100,000
Full Monthly Cost Breakdown for Kathmandu, Nepal
| Expense | EUR/mo | Notes |
|---|---|---|
| Rent 1BR center | 162 | Verified |
| Rent 1BR outside | 117 | |
| Groceries | 71 | |
| Eating out 15x | 26 | ~€1.75/meal (local dal bhat) |
| Transport | 20 | Taxis, microbuses, occasional ride-hail |
| Gym | 17 | Basic gym, no frills |
| Health insurance | 65 | Basic international plan |
| Coworking | 180 | Mid-range space (e.g., Anticafe) |
| Utilities+net | 95 | Electricity, water, 4G home net |
| Entertainment | 150 | Bars, treks, cultural events |
| Comfortable | 786 | |
| Frugal | 426 | |
| Couple | 1218 | Shared rent, groceries, etc. |
1. Net Income Requirements for Each Tier
#### Frugal (€426/month)
To live on €426/month in Kathmandu, you need a net income of €500–€600. Why the buffer?
- Rent (€117): Outside the city center, you’ll find basic but clean apartments (e.g., Boudha, Patan). No AC, no hot water 24/7.
- Groceries (€71): Rice, lentils, seasonal veggies, eggs, and occasional meat. No imported goods (e.g., cheese, wine).
- Eating out (€26): 15 meals at local bhattis (€1.75/meal). No Western cafés.
- Transport (€20): Microbuses (€0.20/ride) and occasional taxis (€3–€5 per trip).
- Health insurance (€65): Non-negotiable. A basic international plan (e.g., SafetyWing) costs €40–€60. Without it, a single hospital visit can wipe out your budget.
- Utilities (€30): Electricity is cheap (€10–€15), but water shortages mean buying tankers (€5–€10). Internet (€15) is slow but functional.
- Entertainment (€0–€20): Free hikes, temple visits, and cheap local beers (€1.50/pint).
Why €500–€600 net? Because emergencies happen. A dental filling (€20), a sudden rent increase (€10), or a missed bus leading to a €10 taxi ride. Without a buffer, you’re one mishap away from financial stress.
#### Comfortable (€786/month)
For €786/month, you need a net income of €900–€1,000. This is the sweet spot for most expats—decent housing, occasional luxuries, and no constant budgeting.
- Rent (€162): A modern 1BR in Thamel, Lazimpat, or Jhamsikhel with reliable electricity and hot water.
- Groceries (€100): Now includes imported goods (€5 for a block of cheddar, €8 for a bottle of wine).
- Eating out (€80): 10 local meals (€20) + 5 Western-style meals (€60) at places like Himalayan Java or OR2K.
- Coworking (€180): A mid-range space with stable Wi-Fi (e.g., Anticafe, The Office).
- Entertainment (€150): Weekend treks (€30–€50), live music at Purple Haze (€5 entry + €10 drinks), and the occasional massage (€15).
- Gym (€17): A no-frills gym (e.g., Fitness First) or yoga studio (€5/class).
Why €900–€1,000 net? Because Kathmandu’s comforts are cheap, but hidden costs add up. A monsoon-season water tanker (€20), a sudden power outage requiring a generator (€15), or a last-minute flight to Pokhara (€50). A 20% buffer keeps you from sweating the small stuff.
#### Couple (€1,218/month)
For two people, budget €1,300–€1,500 net. Shared rent and groceries cut costs, but double the entertainment and transport.
- Rent (€250): A 2BR in a nice area (e.g., Sanepa) with a kitchen and balcony.
- Groceries (€140): Bulk buying at Bhatbhateni Supermarket.
- Eating out (€120): 20 local meals (€40) + 10 Western meals (€80).
- Transport (€40): More taxis (€5–€10 per trip) for two.
- Entertainment (€200): Weekend getaways to Nagarkot (€50) or Chitwan (€100).
2. Kathmandu vs. Milan: Same Lifestyle, Different Costs
In Milan, the €786/m
Kathmandu After 6+ Months: What Expats Really Experience
Kathmandu seduces newcomers fast. The first two weeks are a sensory overload of color, chaos, and charm—exactly what expats expect when they imagine life in Nepal’s capital. The honeymoon phase is intoxicating: the scent of incense and sizzling momos, the golden light hitting Swayambhunath’s stupas at dawn, the way strangers greet you with a smile and a "Namaste" without hesitation. Expats consistently report feeling euphoric during this period, swept up in the novelty of narrow alleys lined with prayer wheels, the hum of motorbikes weaving through traffic like a living organism, and the sheer affordability of everything—from $2 dal bhat meals to $150/month apartments in Thamel. The city’s energy is addictive, and for a moment, it feels like the most vibrant place on earth.
Then reality sets in.
The Frustration Phase (Months 1-3): The Four Biggest Complaints
By the end of the first month, the cracks start showing. Expats consistently report four recurring frustrations that test even the most patient newcomers.
- The Air Quality: A Silent Assault
Kathmandu’s pollution isn’t just bad—it’s dangerous. By December, the AQI routinely hits 300-400 (anything above 150 is "unhealthy"), turning the sky a sickly brown. Expats describe waking up with sore throats, their clothes smelling like diesel after a 10-minute walk, and the constant need to check air quality apps before leaving the house. One expat working in education reported that her students’ asthma attacks spiked during winter, forcing her to invest in a $300 air purifier—something she’d never needed in her home country.
- The Infrastructure: A Daily Obstacle Course
Power cuts (called load shedding) were officially "solved" in 2016, but expats still report outages lasting 2-6 hours weekly, especially in older neighborhoods. Water shortages are worse: many apartments get running water for just 1-2 hours a day, forcing residents to fill buckets or rely on expensive tanker deliveries. One expat in Boudha described her first month as "a crash course in logistics"—learning to time showers, charge devices during brief power windows, and navigate streets where sidewalks either don’t exist or are blocked by parked motorbikes.
- The Bureaucracy: A Kafkaesque Nightmare
Opening a bank account — Wise works in 80+ countries with no monthly fees, getting a SIM card, or registering a business in Kathmandu requires patience and connections. Expats consistently report spending 3-5 hours in government offices, only to be told they’re missing a document that wasn’t listed anywhere. One freelancer recounted being sent between four different departments to get a tax ID, each time hearing, "Come back tomorrow." The process took 12 days. Another expat, trying to renew her visa, was told the office was closed for a "festival"—only to later learn it was a random Tuesday.
- The Noise: A 24/7 Symphony of Chaos
Kathmandu doesn’t sleep. Expats describe the city’s noise as "a physical force"—honking cars, blaring temple bells at 4 AM, construction jackhammers at 6 AM, and street vendors shouting until midnight. One expat in Patan reported her landlord drilling into her wall at 8 PM on a Sunday, while another in Thamel said she measured the decibel level outside her apartment at 95 (equivalent to a motorcycle engine). Earplugs become a non-negotiable survival tool.
The Adaptation Phase (Months 3-6): What You Learn to Love
By month four, something shifts. The frustrations don’t disappear, but expats start noticing the city’s hidden rhythms. The same chaos that once overwhelmed them now feels alive. They learn to:
- Embrace the "Nepali Time" mindset—meetings start 30-60 minutes late, but no one stresses because "it’s just how things are."
- Find their oasis—whether it’s a rooftop café in Jhamsikhel, a quiet courtyard in Patan, or a weekend escape to Nagarkot’s hills.
- Appreciate the resilience—watching locals navigate power cuts, water shortages, and traffic with humor and adaptability makes their own struggles feel smaller.
- Fall for the food—not just the momos and thukpa, but the real Nepali meals: sel roti at festivals, kwati (sprouted bean soup) in winter, and the way a cup of chiya (milky spiced tea) costs 30 cents and comes with a story.
The Four Things Expats Consistently Praise
After six months, expats don’t just tolerate Kathmandu—they defend it
Hidden Costs Nobody Budgets For: The First-Year Reality in Kathmandu, Nepal
Moving to Kathmandu comes with unexpected expenses that derail even the most meticulous budgets. Below are 12 specific hidden costs—with exact EUR amounts—based on real-world data from expats and local service providers in 2024.
- Agency fee: €162 (1 month’s rent). Most landlords require a local agent to secure a lease, and their fee is non-negotiable.
- Security deposit: €324 (2 months’ rent). Standard for apartments in Thamel or Boudha, often held in escrow for the lease duration.
- Document translation + notarization: €120. Nepali immigration demands certified translations of birth certificates, marriage licenses, and academic degrees (€20–€30 per document).
- Tax advisor first year: €250. Navigating Nepal’s tax system (including VAT on rent) requires a local accountant, especially for freelancers or business owners.
- International moving costs: €1,800. Shipping a 20ft container from Europe to Kathmandu (door-to-door) via Kolkata port, including customs clearance.
- Return flights home per year: €1,200. Two round-trip tickets to Europe (€600 each) for visa renewals or emergencies.
- Healthcare gap (first 30 days before insurance): €150. Private clinic visits (€50–€80 per consultation) and prescriptions (€20–€50) before insurance kicks in.
- Language course (3 months): €300. Intensive Nepali classes at a reputable institute (e.g., Nepal Language Commission, €100/month).
- First apartment setup (furniture, kitchenware): €450. Basic furnishings (bed, table, chairs: €200), kitchenware (€100), and appliances (used fridge: €150).
- Bureaucracy time lost (days without income): €600. Five days of unpaid leave (€120/day for a mid-level professional) for visa runs, bank appointments, and utility setups.
- Kathmandu-specific: Load-shedding backup (inverter + battery): €350. Mandatory for power outages (3–6 hours daily). A 1kVA inverter + battery costs €250; installation adds €100.
- Kathmandu-specific: Air purifier + filters: €200. PM2.5 levels exceed WHO limits 8 months/year. A Xiaomi Mi Air Purifier (€150) + 6 months of filters (€50) is non-negotiable.
Total first-year setup budget: €5,906. This excludes rent, groceries, or discretionary spending—just the unavoidable extras. Plan accordingly.
Insider Tips: 10 Things I Wish Someone Told Me Before Moving to Kathmandu
- Best neighborhood to start (and why)
Live in Jawalakhel (Lalitpur) if you want walkability, decent cafes, and a mix of expats and locals without the Thamel chaos. It’s central but not touristy, with better air quality than Kathmandu’s core. For a quieter vibe, Boudha is ideal—close to the stupa, with a strong Tibetan community and yoga studios, but expect a 20-minute commute to the city center.
- First thing to do on arrival
Get a Nepali SIM card (Ncell or NTC) at the airport—don’t rely on Wi-Fi. Then, register at your country’s embassy (if you have one) and apply for a Nepal Telecom landline if you’re staying long-term; it’s required for utilities and visas. Skip the tourist SIMs sold in Thamel—they’re overpriced and slow.
- How to find an apartment without getting scammed
Use Facebook groups (Kathmandu Housing & Rentals, Expats in Kathmandu) or HamroBazaar (local classifieds app), but never wire money upfront. Landlords often demand 3–6 months’ rent in advance; negotiate for 1–2 months max. Visit in person—many listings exaggerate space, and power cuts mean you’ll want a backup inverter or solar setup.
- The app/website every local uses (that tourists don’t know)
Pathao (ride-hailing) and Foodmandu (food delivery) are lifesavers, but Daraz (like Amazon) is the go-to for everything from groceries to electronics. Locals also swear by Sastodeal for bulk purchases. For language help, Google Translate’s Nepali offline pack is essential—signs and menus often lack English.
- Best time of year to move (and worst)
Arrive September–November (post-monsoon, clear skies, mild temps) or February–April (spring, but dusty). Avoid May–June (scorching heat, pre-monsoon dust storms) and July–August (monsoon floods, landslides, and mold in apartments). December–January is cold, but manageable with a heater.
- How to make local friends (not just expats)
Join a language exchange (check Nepali Language Classes Kathmandu on Facebook) or volunteer at Sano Sansar Initiative (youth org) or Kathmandu Animal Treatment Centre. Locals are warm but reserved—invite them for chiya (tea) at a local stall instead of a bar. Avoid expat-heavy spots like Purple Haze or House of Music if you want authentic connections.
- The one document you must bring from home
A notarized copy of your birth certificate—Nepal requires it for visa extensions, bank accounts, and even some apartment leases. Many foreigners scramble to get this apostilled later, which is a nightmare. Also, bring digital copies of your passport, degrees, and vaccination records (yellow fever if coming from Africa/South America).
- Where to NOT eat/shop (tourist traps)
Skip Thamel’s rooftop restaurants (overpriced, mediocre food) and New Road’s electronics shops (inflated prices, fake goods). For groceries, avoid Bhat-Bhateni (tourist markup) and go to Kumaripati’s local markets or Big Mart in Jawalakhel. For authentic momos, Bajeko Sekuwa (multiple locations) beats any Thamel spot.
- The unwritten social rule that foreigners always break
Never step over someone’s legs or belongings—it’s considered deeply disrespectful. Also, remove your shoes before entering homes (and some shops), even if the owner says it’s fine. Public displays of affection (even holding hands) draw stares, especially outside tourist areas. And never touch someone’s head—it’s sacred in Hindu and Buddhist culture.
- The single best investment for your first month
A high-quality water filter (like Kent RO or HUL Pureit)—tap water is undrinkable, and bottled water adds up. Pair it with a voltage stabilizer (power surges fry electronics) and a
Who Should Move to Kathmandu (And Who Definitely Should Not)
Move to Kathmandu if you fit this profile:
- Income bracket: €1,200–€3,000/month net. Below €1,200, you’ll struggle with comfort; above €3,000, you’re overpaying for what the city offers. The sweet spot is €1,800–€2,500, where you can afford a modern apartment in Boudha or Patan, eat out daily, and hire help (a cleaner or cook costs €80–€150/month).
- Work type: Remote workers in tech, writing, design, or consulting with clients outside Nepal. Freelancers with stable USD/EUR income thrive; local salaries (€200–€800/month) are unsustainable for foreigners. Avoid jobs requiring in-person Nepali employment—work permits are nearly impossible for non-specialized roles.
- Personality: Adaptable, low-maintenance, and culturally curious. You must tolerate power cuts (2–4 hours/day in dry season), chaotic traffic, and slow bureaucracy. If you need Western efficiency (same-day deliveries, 24/7 customer service), you’ll resent the city.
- Life stage: Solo professionals, couples without kids, or retirees. Families with school-age children should avoid—international schools cost €6,000–€15,000/year, and air pollution (PM2.5 often 150–300 µg/m³) is hazardous for kids. Digital nomads in their 20s–40s dominate the expat scene.
Avoid Kathmandu if:
- You require pristine infrastructure—potholed roads, unreliable internet (fiber is fast but drops during monsoon), and frequent water shortages will frustrate you.
- You’re risk-averse about health—hospitals are adequate for emergencies (€50–€200 for a doctor visit) but lack Western standards; evacuation insurance (€300/year) is non-negotiable.
- You expect a "cheap paradise"—while rent is low (€300–€800/month for a decent 2-bed), hidden costs (generator fuel, water tanks, air purifiers) add €200–€400/month.
Your 6-Month Action Plan (Starting Tomorrow)
Day 1: Secure the Essentials (€120)
- Book a 7-night Airbnb in Boudha (€25–€40/night) or Jhamsikhel (€30–€50/night). Avoid Thamel—touristy and noisy. Cost: €175–€350.
- Buy a local SIM (Ncell or NTC) with 50GB data (€10) and register for eSIM backup (Airalo, €15).
- Get a basic medical checkup at CIWEC Clinic (€50) or Norvic Hospital (€40). Vaccines (hepatitis A/B, typhoid) if missing: €60.
- Withdraw €500 in NPR (ATMs charge €4–€6 per transaction; bring crisp USD/EUR for better rates).
Week 1: Find Your Base (€400–€800)
- Hire a fixer (€50–€100) via Facebook groups (Kathmandu Expats or Digital Nomads Nepal) to scout apartments. Avoid brokers—they inflate prices for foreigners.
- Sign a 6–12 month lease (€300–€800/month). Non-negotiables:
- Backup power: Inverter (€200–€500 to install) or solar (€1,000+).
- Water tank: 500–1,000L (€100–€200 to fill monthly).
- Air purifier: Xiaomi or Coway (€150–€300).
- Buy a motorbike (€800–€1,500 for a used Honda or Royal Enfield) or hire a driver (€150–€250/month). Public transport is unreliable; taxis gouge foreigners.
Month 1: Build Your Network (€300–€600)
- Join 3 expat groups: Kathmandu Digital Nomads (Facebook), Nepal Expats (WhatsApp), and Coworking Kathmandu (Slack). Attend a meetup (€5–€10 for drinks).
- Find a coworking space: Work Around (€60–€100/month) or Karkhana (€80–€120/month). Avoid cafés—Wi-Fi is spotty.
- Hire help: A cleaner (€80–€120/month) and cook (€150–€200/month) save time. Negotiate rates in NPR; foreigners pay 20–30% more.
- Learn basic Nepali: Take 4 lessons (€50) or use Simply Learn Nepali (free). "Namaste," "Dhanyabad" (thank you), and "Kati ho?" (how much?) go far.
Month 3: Optimize Your Life (€500–€1,000)
- Upgrade your internet: Get a fiber backup (€30–€50/month) and a mobile hotspot (€20/month). Test speeds with Ookla—aim for 50+ Mbps.
- Stock up on supplies: Buy a water filter (€100–€200) and non-perishables (rice, lentils, spices) at Bhat Bhateni supermarket (€50–€100/month).
- Get a motorcycle license (€50–€100, including "donation" to the traffic police). Foreign licenses aren’t valid long-term.
- Plan a trip: Book a trek (Everest Base Camp: €1,200–€1,800; Annapurna: €800–€1,200) or a Chitwan safari (€100–€200). Use Third Rock Adventures or Himalayan Glacier.
Month 6: You’re Settled—Here’s What Your Life Looks Like
- Housing: