How We Calculate Everything

Methodology

Learn about URCity's data sources, calculation methods, and quality standards.

2928 Cities
244 Countries & Territories
6+ Data Sources

📊 Data Sources

We use only official, verified data sources from government agencies and reputable research organizations.

🇺🇸

United States

  • C2ER — Cost of Living Index
  • Bureau of Labor Statistics — Consumer Expenditure Survey
  • Bureau of Economic Analysis — Regional Price Parities
  • Zillow Research — Home values, rents, price per sq ft
  • HUD — Fair Market Rents
  • US Census Bureau — Population, income, education
  • NOAA — Climate normals
  • Tax Foundation — State and local tax rates
  • EIA — Natural gas prices and electricity costs
  • FCC — Broadband availability
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United Kingdom

  • Office for National Statistics — Cost of living, earnings
  • Rightmove — Home values and rental prices
  • HMRC — Tax rates
  • Met Office — Climate data
  • Ofcom — Broadband availability
  • Ofgem — Gas and electricity price caps
  • Water UK — Water utility costs
🇨🇦

Canada

  • Statistics Canada — Cost of living, income, demographics
  • CREA — Home values and sales data
  • CMHC — Rental market data
  • Environment Canada — Climate data
  • Canada Revenue Agency — Tax rates
  • ISED — Broadband data
  • Canada Energy Regulator — Natural gas and electricity prices

💰 Cost of Living Index

Our cost of living indices are based on the C2ER methodology. The national average is set to 100. A score of 120 means the city is 20% more expensive than average.

30% Housing Rent and home prices
15% Groceries Food and household items
15% Transportation Gas, transit, insurance
10% Utilities Electricity, gas, water, internet
10% Healthcare Insurance and out-of-pocket
20% Miscellaneous Entertainment, clothing, services

🔥 Heating & Cooling Cost Estimation

Heating and cooling costs are calculated using a physics-based model that accounts for local climate, home characteristics, and regional fuel/electricity prices.

Formula
Heating: Monthly HDD × 0.16 therms/HDD × Local Gas Price. Cooling: Monthly CDD × 3.5 kWh/CDD × Local Electricity Rate.
1

Degree Days (HDD & CDD)

Derived from each city's summer high and winter low temperatures using a sinusoidal model. HDD measures heating demand below 65°F; CDD measures cooling demand above 75°F.

2

Home Characteristics

Assumes a typical mixed-vintage home with gas heating and central AC. Heating and cooling factors are adjusted by country for insulation, home size, and system efficiency.

3

Local Fuel & Electricity Prices

State/province-level natural gas and electricity prices from official sources:

  • US: EIA state-level prices (e.g., Texas: $0.95/therm, New York: $1.40/therm)
  • UK: Ofgem price cap (~£1.90/therm)
  • Canada: Provincial utility rates (e.g., Ontario: C$1.10/therm)

Example Estimates

Miami, FL ~$25/mo Winter low: 60°F — minimal heating needed
Austin, TX ~$122/mo Winter low: 41°F — mild winters, cheap gas
Chicago, IL ~$325/mo Winter low: 19°F — cold winters
Minneapolis, MN ~$408/mo Winter low: 9°F — very cold

💻 Remote Work Score

Our Remote Work Score (0–100) combines five weighted factors to measure how well a city supports remote work.

Internet Speed
25%
Coworking Spaces
20%
Cost of Living
20%
Climate
15%
Quality of Life
20%

🏠 Home Ownership Calculator

Our True Cost of Home Ownership calculator uses standard amortization formulas plus local cost factors.

📈 Mortgage Standard 30-year amortization at current rates
🏛️ Property Tax Based on local city-specific rates
🛡️ Insurance 0.35% of home value annually
🔧 Maintenance 1% of home value annually
🔥 Utilities Including heating & cooling based on local climate

🔄 Currency & Temperature Conversion

All monetary values and temperatures on city pages can be converted on-the-fly.

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Currency

Live exchange rates.

USD GBP CAD EUR AUD
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Temperature

Instant °F/°C conversion on all climate data across the site.

🌍

Auto-Detection

Uses browser timezone and language settings to pre-select appropriate defaults.

US → USD + °F UK → GBP + °C Canada → CAD + °C

📅 Data Freshness

Data TypeUpdate FrequencyLast Updated
Cost of LivingQuarterlyJune 2026
HousingMonthlyMay 2026
DemographicsAnnual2024 ACS
ClimateHistorical1991–2020 normals
TaxesAnnual2026
Exchange RatesLive (API)Real-time
Heating EstimatesPer refreshJune 2026
School DataAnnual2024–2025 school year
University DataAnnual2025 CWUR rankings

🎓 School Quality Score

The School Quality Score is a composite index (0–100) that compares each city's K-12 school system against other cities in the same country. The calculation varies by country based on available data.

United States

  • Student:Teacher Ratio (40%) — Lower ratios indicate smaller class sizes. Each city's ratio is ranked against all other US cities.
  • Free/Reduced Lunch Rate (40%) — A lower percentage of students eligible for free or reduced-price lunch indicates lower economic disadvantage. Inverted so a lower rate produces a higher score.
  • School Level Diversity (20%) — Cities with schools at all three levels (elementary, middle, high) receive full credit.

United Kingdom

  • Free School Meal Eligibility (60%) — Lower FSM eligibility indicates lower economic disadvantage. Each city is ranked against all other UK cities.
  • School Level Diversity (40%) — Cities with schools at all three phases (primary, secondary, special) receive full credit.

Canada

  • Top-Rated Schools (50%) — Number of Fraser Institute ranked schools per city. Each city is ranked against all other Canadian cities.
  • School Level Diversity (50%) — Cities with schools at all three levels (elementary, middle, high) receive full credit.

Data Sources

  • United States: National Center for Education Statistics (NCES) — Common Core of Data (CCD), 2024–2025 school year
  • United Kingdom: Department for Education (DfE) — Schools, pupils and their characteristics, January 2025 census (England only)
  • Canada: Fraser Institute School Performance Rankings, 2023–2024
  • Coverage: 157 cities across 3 countries (US: 137, UK: 10, Canada: 10) with city-level data

🎓 University Data

University presence and ranking data is available for all 1,767+ cities across 68 countries and territories. For each city, we determine:

What We Collect

  • University presence — Whether the city has at least one university
  • Total universities — Count of universities in the city
  • Top-ranked university — Name and global rank of the highest-ranked university
  • Top-500 count — Number of universities ranked in the global top 500

Data Source

  • Center for World University Rankings (CWUR) — 2025 edition
  • Supplemented by a comprehensive world universities database
  • University names matched to URCity cities using name variations and country-level filtering
  • Coverage: All 1,767+ cities across 68 countries and territories

⚠️ Limitations

Cost of living indices are averages and may not reflect your specific lifestyle.

Housing data is city-wide; neighborhoods can vary significantly.

Tax calculations are simplified and don't account for all deductions.

Climate data is historical; future weather patterns may differ.

Heating and cooling estimates are based on typical home characteristics and may vary with home size, insulation, system efficiency, and local rates.

Exchange rates are provided by a third-party API and may have slight delays.

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Important Disclaimer

All methodology descriptions, data sources, and calculations on this page are provided for informational purposes only. URCity and Northshore Press do not guarantee the accuracy, completeness, or timeliness of any data. This content does not constitute financial, legal, tax, or real estate advice. Always consult qualified professionals and verify data independently before making relocation or financial decisions.

Have questions about our methodology or data sources? Contact us →