Most Luxurious Cities in the planet in 2025, No.4 Will Surprise You

SINGAPORE- Welcome to a journey through the world’s most luxurious cities of 2025, where opulence, culture, and exclusivity converge.

According to the latest Julius Baer Global Wealth & Lifestyle Report 2025, cities like Singapore (SIN), London (LHR), and Hong Kong (HKG) continue to captivate the global elite.

These urban centers not only define wealth but also set the standard for quality living, experiences, and financial growth.

Most Luxurious Cities in the World in 2025

Whether you’re a high-net-worth individual (HNWI) considering your next residence or an avid traveler seeking the epitome of luxury, this curated list of the world’s top ten luxurious cities offers invaluable insights into where the affluent are choosing to live, invest, and thrive.

Photo- VisitSingapore (Facebook)

1. Singapore

Singapore holds its crown as the most expensive city globally for the third consecutive year. Known for its impeccable urban planning, cleanliness, and safety, the Lion City continues to attract HNWIs through initiatives like the Global Investor Programme.

In 2025, the cost of business class flights from Singapore rose by 14.5%, reflecting high demand. Despite healthcare costs dropping by 35.8%, luxury remains entrenched in the city, particularly with cars and women’s handbags being the costliest items.

With its strategic location in Asia, top-tier education, and a pro-business environment, Singapore is a magnet for those seeking stability coupled with prestige.

Greater London, England, United Kingdom; Photo- Pexels

2. London, UK

London climbs to second place, reaffirming its status as a global cultural and financial hub. While the UK has introduced tax reforms such as the abolition of non-domiciled residency, London retains its appeal through its vibrant arts scene, historical landmarks, and strong educational institutions.

Business class flights in London saw a 28.3% price increase, yet the city’s allure remains undiminished. Private schooling, LASIK procedures, and MBAs are among the highest expenses, while cars remain relatively affordable.

London’s blend of heritage, modernity, and cosmopolitan lifestyle ensures its place among the elite cities.

Victoria Harbor, Hong Kong; Photo- Hong Kong Tourism Board

3. Hong Kong

Hong Kong, though slipping to third place, remains a pivotal financial gateway to China. The city continues to attract wealthy families and investors through tax incentives and its robust investment environment.

The cost of a treadmill rose by 12.6%, yet champagne remains the cheapest indulgence in the city. With a resurgence in tourism and a strong export market, Hong Kong sustains its position as a luxurious and strategically essential city for HNWIs.

Monaco; Photo- Wikipedia

4. Monaco

Monaco’s glamour is unmatched, placing it fourth among the most luxurious cities. This tiny principality, famed for its casino, yacht-lined harbors, and Grand Prix, abolished income tax in the 1860s, making it a longstanding tax haven.

Monaco saw business class flights rise by 30.4%, and its residential property remains some of the priciest globally.

Despite its diminutive size, Monaco offers unparalleled luxury living, with MBA programs and real estate being the most significant expenses.

Zurich, Switzerland; Photo- Switzerland Tour

5. Zurich, Switzerland

Zurich stands as Switzerland’s epitome of financial stability and high living standards, ranking fifth. The city offers low taxes, first-rate education, and a tranquil environment, attracting wealthy expatriates.

MBA programs are the most expensive index item, while private schooling remains affordable. Zurich’s compact city charm, combined with global connectivity, ensures its continued allure for the affluent.

Wedding Photo in Shanghai; Photo- Ted McGrath | Flickr

6. Shanghai, China

Shanghai, once the pinnacle of luxury in 2022, now ranks sixth. The city remains a symbol of China’s economic might, though recent cultural shifts toward modesty have dampened overt displays of wealth.

Fine dining is notably expensive, positioning Shanghai as the world’s priciest city for degustation dinners. The cost of a watch rose by 11.3%, yet champagne is among the most affordable luxury items.

Burj-al-Arab; Photo- Visit Dubai

7. Dubai, UAE

Dubai makes a powerful comeback to the top ten, securing seventh place. Renowned for its futuristic skyline, luxury shopping, and zero personal income tax, Dubai continues to draw affluent expatriates.

Champagne prices soared by 33.6%, while technology packages became cheaper. Business class flights remain relatively affordable. Dubai’s strategic growth, residency schemes, and cosmopolitan lifestyle make it a rising star in global luxury.

Time Sqaure, New York; Photo- Wikipedia

8. New York, USA

New York City, the only North American city in the top ten, ranks eighth. Despite a 46.5% surge in business class flight costs, NYC remains a beacon for finance, arts, and culture.

Hotel suites are the most expensive globally, yet technology products are attractively priced. The city’s dynamism and enduring cultural influence maintain its status among the world’s luxury capitals.

Photo: Qantas

9. Paris, France

Paris, the city of lights, secures the ninth spot. Hosting the 2024 Olympics has propelled its tourism and hospitality sectors, with hotel suite prices skyrocketing by 84.2%.

While MBAs and spa treatments are the most costly, private education remains affordable. Paris continues to enchant with its blend of history, fashion, and culinary excellence.

Photo: Needpix

10. Milan, Italy

Milan rounds out the list as the tenth most luxurious city. As a global fashion and design hub, Milan combines cultural heritage with financial significance.

Hotel suite prices increased by 26.6%, while LASIK procedures saw a 31% price drop. Business class flights remain among the cheapest globally. Milan’s strategic tax policies and luxury appeal make it a city on the rise.

Photo- Visit Dubai

Factors Influencing Luxury Rankings

Economic Policies and Taxation

Tax policies play a pivotal role in attracting wealthy residents. Cities like Monaco and Dubai benefit from tax-free environments, while London navigates changes in its non-dom status.

Infrastructure and Safety

Safety, healthcare, and infrastructure are crucial for HNWIs when choosing a city. Singapore, Zurich, and London excel in these areas, ensuring peace of mind for residents.

Real Estate and Education

Real estate prices and the availability of elite education significantly impact a city’s luxury ranking. Monaco and Zurich have some of the priciest properties, whereas cities like Zurich offer more affordable private education.

Cultural and Lifestyle Offerings

Experiences matter. Cities like Paris, Milan, and New York offer rich cultural landscapes, from fashion weeks to art exhibitions and gourmet dining, enhancing their appeal to the wealthy.

Dubai International Airport; Photo- Kgbo; Wikimedia Commons

The Shift from Goods to Experiences

Interestingly, the report highlights a growing preference among HNWIs for experiences over material goods. Fine dining, bespoke travel, and exclusive events are increasingly valued, reflecting a broader shift in luxury consumption.

This trend is evident in the rise of experiential spending in regions like the Middle East, APAC, and Latin America. High-end brands are adapting by expanding into hospitality and curated experiences, ensuring they remain relevant to evolving consumer preferences.

Marina Bay Sands, Singapore; Photo- Wikimedia Commons

Planning for Longevity: Physical and Financial

The 2025 report also emphasizes the growing importance of longevity among the wealthy. With increased life expectancy, affluent individuals are focusing on health, wellness, and financial strategies that ensure a prosperous, extended life.

Cities offering top-tier healthcare, wellness programs, and financial services tailored to longevity are becoming more attractive. Singapore, Zurich, and London lead in these aspects, providing comprehensive solutions for both physical and financial well-being.

Sydney CBD as seen from Sydney Tower; Photo- Jorge Láscar from Melbourne, Australia; Wikimedia Commons

Top Cities by Region

Asia-Pacific (APAC)

1. Singapore (SIN)
2. Hong Kong (HKG)
3. Shanghai (PVG)
4. Sydney (SYD)
5. Taipei (TPE)
6. Tokyo (HND)
7. Bangkok (BKK)
8. Jakarta (CGK)
9. Manila (MNL)
10. Mumbai (BOM)

Zurich, Switzerland; Photo- Juan Rubiano | Flickr

Europe

1. London (LHR)
2. Monaco (NCE)
3. Zurich (ZRH)
4. Paris (CDG)
5. Milan (MXP)
6. Frankfurt (FRA)
7. Barcelona (BCN)
8. Geneva (GVA)
9. Madrid (MAD)
10. Vienna (VIE)

Vancouver, Canada; Photo- Destination Vancouver

North America

1. New York (JFK)
2. Miami (MIA)
3. Vancouver (YVR)

Bellas Artes, Mexico City, Mexico; Photo- Wikipedia

Latin America

1. Sao Paulo (GRU)
2. Mexico City (MEX)
3. Santiago de Chile (SCL)

Corniche Beach, Abu Dhabi; Photo- Abu Dhabi

Middle East

1. Dubai (DXB)
2. Abu Dhabi (AUH)
3. Doha (DOH)

Blooming Gardens, Luxemburg; Photo- Parisian Moments

The Road Ahead

Global uncertainties, including political shifts, trade tensions, and economic reforms, will continue to shape the landscape of luxury living. However, cities that adapt by enhancing infrastructure, cultural offerings, and tax policies will remain magnets for global wealth.

Whether through the opulent streets of Monaco or the vibrant avenues of New York, these top ten cities exemplify the pinnacle of luxury living in 2025.

For HNWIs, the choice of where to live is not just about wealth but about crafting a lifestyle that balances exclusivity, culture, and long-term prosperity.

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