LisbonvsNew York City.

Lisbon

SettleMetric tax engine over official 2026 rules (Autoridade Tributária + Segurança Social) ↗

Curated by SettleMetric

Data as of

Jan 1, 2026

Verified

Jul 4, 2026

Method

Best eligible scheme pt-ifici-20 (IFICI 20% flat, NHR successor) at €60,000 revenue: social security 21.4%×70%×60,000 = €8,988; category-B simplified taxable income 0.75×60,000 = €45,000; IFICI IRS 20%×45,000 = €9,000; total €17,988 → 29.98% ≈ 30.0%. IFICI requires being a new resident (not resident in Portugal in the prior 5 years) in an eligible activity (IT/ICT qualifies) — realistic for an incoming remote worker. Without IFICI the same profile under the simplified 0.75 regime (progressive IRS) is ~34.4%.

New York City

SettleMetric tax engine over official 2026 federal rules (IRS Rev. Proc. 2025-32; IRS self-employment tax; SSA 2026 contribution base) ↗

Curated by SettleMetric

Data as of

Jan 1, 2026

Verified

Aug 1, 2026

Method

Best eligible scheme us-sole-proprietor-federal at €60,000 = $68,394 (ECB 1.1399 USD/EUR, 2026-07-02) with 10% expenses. Net profit $61,554.60; self-employment tax 15.3% on 92.35% of it = $8,697.38; half deducted, giving AGI $57,205.91; less the $16,100 standard deduction and a §199A deduction of $8,221.18 leaves taxable income $32,884.73, taxed $3,698.17. Total levies $12,395.55 / $68,394 = 18.1%. This is federal tax only, which is the whole story just in the nine states that levy no income tax on earned income.

Notes

The single number hides the widest internal spread of any country in this dataset. The same freelancer pays 18.1% in Texas or Florida, 20.5% in California (us-sole-proprietor-california) and 24.4% in New York City (us-sole-proprietor-new-york-city), where state and city income taxes stack on the federal one. Read this figure as the floor available to someone free to choose their state, not as a national average. It also excludes the self-employed health-insurance deduction and retirement contributions, both of which US freelancers use heavily and both of which would lower it.

Lisbon

AIMA — residence authorization for remote professional activity (Nómadas Digitais, Art. 88.º/1 Law 23/2007) ↗

Official source

Data as of

Jul 4, 2026

Verified

Jul 4, 2026

Notes

Portugal has a dedicated digital-nomad route (D8): a residence visa for remote professional activity carried out for entities outside Portugal (in force since 2022, Law 18/2022), leading to a 2-year residence permit renewable for 3 years and to permanent residence/citizenship after 5 years. A temporary-stay variant (under 1 year) also exists. Income requirement 4× the national minimum wage (4 × €920 = €3,680/month in 2026).

New York City

U.S. Customs and Border Protection — Visa Waiver Program; 8 CFR 214.2(b) visitor admissions ↗

Official source

Data as of

Aug 1, 2026

Verified

Aug 1, 2026

Notes

The United States has no digital-nomad visa and no freelance or self-employment permit — the concept does not exist in US immigration law, which authorises work through a sponsoring employer, a treaty investment, or an immigrant petition. For a location-independent earner with an ordinary passport, the realistic ceiling is a visitor stay: 90 days under the Visa Waiver Program, or up to six months on a B-1/B-2 visa, neither of which authorises work in the United States. The genuine long-stay routes all have a demanding filter — E-2 requires a treaty nationality plus substantial invested capital, O-1A and EB-1A require documented national or international acclaim, and the diversity lottery is a lottery. See data/countries/us/legalization.json for all six.

Lisbon

INE — Household Budget Survey 2022/2023 (Inquérito às Despesas das Famílias), single-person households, CPI-uplifted ↗

Curated by SettleMetric

Data as of

Jun 30, 2026

Verified

Jul 4, 2026

Method

INE 2022/2023 single-person (<65) household average spending €18,121/year = €1,510/month (incl. housing); CPI-uplifted to mid-2026 (×≈1.072 over 2024–2026 HICP) → €1,618/month; the rent/imputed-rent portion of the COICOP-2018 housing division (41.7% of the basket) removed while keeping utilities, then summed by category and converted at 1.1399 USD/EUR (ECB 2026-07-02) → ≈ $1,166/month excluding rent. Cross-checked against Eurostat comparative price level for household consumption (Portugal 2024 = 85.0, EU27=100 — ~15% below the EU average).

Notes

National average; Lisbon runs higher. Derived by summing the itemized cost-breakdown categories; see cost-breakdown for the split.

New York City

U.S. Bureau of Labor Statistics — Consumer Expenditure Survey, 2024 annual means (series CXU*LB0101M and CXU*LB0502M via the BLS public API) ↗

Curated by SettleMetric

Data as of

Dec 31, 2024

Verified

Aug 1, 2026

Method

Consumer Expenditure Survey 2024, all consumer units: average annual expenditures $78,535 across an average 2.4 persons. Removing shelter ($16,317, the rent-equivalent line), personal insurance and pensions ($9,797, which is saving rather than consumption) and cash contributions ($2,292, which are transfers) leaves $50,129 of consumption. Divided by 2.4 people and by 12 months = $1,740.59 per person per month.

Notes

Per-capita basis, to match how Italy, Spain, Czechia, Austria and France are computed in this dataset. The BLS also publishes the real one-person consumer unit, which is what a solo mover actually faces: $48,794 a year, or $29,359 after removing the same three lines — about $2,447 a month excluding rent, 41% above the per-capita figure because a person living alone has no household economies of scale. Read $1,741 as the comparable cross-country number and $2,447 as the realistic personal one. Both include US health spending, which is why every line involving healthcare runs far above the European entries.

Lisbon

Eurostat — police-recorded intentional homicide (ICCS 0101) ↗

Open data

Data as of

Dec 31, 2024

Verified

Jul 4, 2026

Notes

Police-recorded intentional homicides per 100,000 inhabitants, 2024 (Eurostat crim_off_cat). Portugal has trended down since 2013 (1.37) to 0.68 in 2024 — among the lowest in the EU.

New York City

Bureau of Justice Statistics and FBI — Crime Known to Law Enforcement, 2024 (NCJ 310856), Table 1 ↗

Official source

Data as of

Dec 31, 2024

Verified

Aug 1, 2026

Notes

17,420 homicides in 2024, a rate of 5.1 per 100,000 — down sharply from 6.1 in 2023, continuing the retreat from the 2020–21 spike. Still several times the Western European level: Italy records 0.6, and no European country in this dataset is above 1.2. The national figure also hides an enormous internal range: New York State records 2.7 and California 4.2, while several southern states run above 8. Estimated by the BJS/FBI National Incident-Based Reporting System Estimation Program from agencies covering about 96% of the population.

Lisbon

SettleMetric computation over climate-normals (IPMA Lisboa/Instituto Geofísico 1991-2020) ↗

Curated by SettleMetric

Data as of

Dec 31, 2020

Verified

Jul 4, 2026

Method

Months with mean daily max 15–28°C and precipitation < 150mm: Jan (15.1°C, 103.8mm), Feb, Mar, Apr, May, Jun, Sep, Oct, Nov (18.1°C, 133.9mm), Dec = 10. Only Jul (TX 28.2°C) and Aug (TX 28.8°C) miss, exceeding the 28°C max cap; no month exceeds the 150mm precipitation cap.

New York City

SettleMetric — computed from the New York Central Park 1991–2020 NOAA normals ↗

Curated by SettleMetric

Data as of

Dec 31, 2020

Verified

Aug 1, 2026

Method

Months whose 1991–2020 normals have a mean daily maximum of 15–28°C and under 150mm of precipitation: April, May, June, September, October = 5. July (29.4°C) and August (28.5°C) are excluded for heat, November to March for cold. No month is excluded for rain.

New York City

U.S. Environmental Protection Agency — AirData annual concentration by monitor, 2024 (parameter 88101, PM2.5 FRM/FEM mass, 24-hour) ↗

Official source

Data as of

Dec 31, 2024

Verified

Aug 1, 2026

Method

Mean of the 2024 annual arithmetic means from the eight regulatory PM2.5 monitors in the five boroughs with at least 75% observation completeness: IS 52 and Pfizer Lab (Bronx), JHS 126 (Brooklyn), IS 45 and PS 19 (Manhattan), Queens College 2 and Queens College Near Road, Richmond Post Office (Staten Island). Values ranged 6.13–7.65 µg/m³ and none had exceptional events flagged.

Notes

1.4× the WHO guideline of 5 µg/m³ and comfortably inside the US national standard of 9 — cleaner than Milan, Rome or Los Angeles, and a long way from the city's reputation. 2024 was also a quiet wildfire year on the east coast; the Canadian smoke episodes of June 2023 pushed daily readings an order of magnitude higher for several days, and that risk has not gone away.

Lisbon

Médis / Multicare / AdvanceCare / Allianz comprehensive (with-hospitalization) plans — market midpoint; insurers quote on request ↗

Curated by SettleMetric

Data as of

Jul 4, 2026

Verified

Jul 4, 2026

Method

Comprehensive private plans that include inpatient/hospital cover (outpatient + hospitalization) for a healthy 35-year-old run ≈ €35–60/month across the main Portuguese insurers (Médis, Multicare, AdvanceCare/AdvanceCare-network, Allianz, Generali Tranquilidade). Midpoint ≈ €47.5/month ≈ €570/year ≈ $650 at 1.1399 USD/EUR (range ≈ $547–$752). Premiums are quoted on request, so this is a curated market midpoint, not a public engine quote.

Notes

Residents are covered by the public SNS; private insurance is optional/supplementary. Cheaper outpatient-only plans start ≈ €10–20/month but exclude hospitalization — this figure is the with-inpatient comprehensive tier, chosen for cross-country comparability. Insurers repriced ~+10% for 2026.

New York City

Centers for Medicare & Medicaid Services — 2026 Marketplace Open Enrollment Period State-Level Public Use File, national total row ↗

Curated by SettleMetric

Data as of

Jan 15, 2026

Verified

Aug 1, 2026

Method

CMS reports an average monthly premium of $741 before advance premium tax credits across the 23,130,860 people who selected a plan for 2026 through HealthCare.gov and the state exchanges; ×12 = $8,892 a year. Average premium after tax credits is $178 a month.

Notes

Basis differs from the other countries here and the difference matters. This is an enrollee-weighted average across all ages and all metal levels, not a quote for a healthy 35-year-old: the marketplace risk pool skews old (41% of enrollees are 45 or over), and the Affordable Care Act lets insurers charge the oldest adults up to three times the youngest, so a 35-year-old pays meaningfully less than $741 a month. No age adjustment was applied because CMS's default uniform age-rating curve was not retrievable at the verification date. Two further caveats: most enrollees do not pay the sticker price — premium tax credits cut the average to $178 a month — and this is individual-market insurance with deductibles and coinsurance on top, not the comprehensive low-deductible cover the other entries quote. Even discounted for all of that, US health cover is the most expensive in this dataset by a wide margin, and it is the single largest fixed cost a freelancer moving to the United States takes on.

Lisbon

Autoridade Tributária — Criptoativos: conceito fiscal e tributação (folheto informativo) ↗

Official source

Data as of

Jan 1, 2026

Verified

Jul 4, 2026

Notes

Legal for individuals; regulated under EU MiCA/CARF. Since Law 24-D/2022: capital gains on crypto held ≥365 days are tax-EXEMPT (declared in Anexo G1); gains on assets held <365 days are taxed at a 28% autonomous rate (Category G, option to aggregate); crypto-to-crypto swaps are deferred (not taxed at the swap). Frequent/professional trading may be reclassified as Category B (general rates). Classified legal-friendly for the explicit long-term-holding exemption; short-term gains are still fully taxed.

New York City

IRS — Digital assets: for U.S. tax purposes digital assets are property, not currency, and income from them is taxable ↗

Official source

Data as of

Aug 1, 2026

Verified

Aug 1, 2026

Notes

Holding, trading and spending crypto is legal throughout the United States and banking access is normal. Tax treatment is the friction rather than the legality: digital assets are property, so every disposal — including paying for something in crypto or swapping one token for another — is a taxable event producing capital gain or loss, and every federal return asks a digital-asset question on its first page. Exchanges are regulated at both federal level (FinCEN money-services-business registration and anti-money-laundering rules) and state level (New York's BitLicense is the strictest), and brokers now report customer transactions to the IRS. Classified 'legal-regulated' rather than 'legal-friendly' because nothing about the tax treatment is favourable: there is no de minimis exemption for small payments and no long-term holding relief beyond the ordinary capital-gains rates.

Lisbon

ASAE — cash-payment limits (Art. 63.º-E Lei Geral Tributária); euro-area free movement of capital ↗

Official source

Data as of

Jul 4, 2026

Verified

Jul 4, 2026

Method

Composite: euro-area member, no currency or capital controls, EUR fully convertible; free movement of capital guaranteed by the EU Treaty (Art. 63 TFEU). Non-resident bank accounts routinely available. Standard EU CRS/DAC reporting via banks; no FBAR-style personal foreign-account self-declaration for individuals. Cash-payment limit €2,999.99 for residents (natural persons) and €9,999.99 for non-residents not acting as merchants (Art. 63.º-E LGT) — a limit on cash, not on bank money movement. Rated 'low' state control over personal money flows.

New York City

FinCEN — Report of Foreign Bank and Financial Accounts (FBAR): required when foreign accounts exceed $10,000 in aggregate at any time in the year ↗

Curated by SettleMetric

Data as of

Aug 1, 2026

Verified

Aug 1, 2026

Method

Composite. No capital or currency controls: the dollar is fully convertible and personal funds move in and out freely, which is the 'low' end of this scale. Against that: reporting is unusually broad. US persons must file an FBAR whenever foreign financial accounts exceed $10,000 in aggregate at any point in the year, FATCA obliges foreign banks worldwide to identify US account holders, currency of $10,000 or more must be declared when crossing the border, and citizens and permanent residents are taxed on worldwide income wherever they live — a rule almost no other country applies. Banking access for a newly arrived foreigner is workable but slow, generally requiring an SSN or ITIN. Rated 'moderate': money moves freely, but it is watched more closely than in most of the countries here, and the tax net follows you out of the country.

Notes

The worldwide-taxation rule is the one to understand before taking a green card. Permanent residents remain US taxpayers on global income for as long as they hold the status, whether or not they live in the United States, and formally abandoning it can trigger an expatriation tax.

Lisbon

CTT Correios de Portugal — express delivery times, coverage and Collectt/Locky network (official service pages) ↗

Curated by SettleMetric

Data as of

Dec 31, 2025

Verified

Jul 4, 2026

Method

National operator CTT offers next-day ('Expresso Para Amanhã') and 2-day express nationwide, with the Collectt pickup network (CTT shops + Payshop agents + Locky 24/7 parcel lockers) and real-time tracking. Private carriers DPD, GLS, DHL, UPS, Chronopost and Seur operate nationwide. Rated 'good' — 1–3 day delivery is the norm and lockers exist in cities, but locker density and universal next-day are below the best-in-class (e.g. Poland's InPost).

New York City

United States Postal Service — service commitments and network (Ground Advantage, Priority Mail), alongside UPS, FedEx and Amazon Logistics coverage ↗

Curated by SettleMetric

Data as of

Aug 1, 2026

Verified

Aug 1, 2026

Method

Classified from carrier service standards: USPS delivers to every address in the country including PO boxes and rural routes, with Priority Mail at 1–3 days and Ground Advantage at 2–5; UPS and FedEx both offer guaranteed next-day air nationwide with real-time tracking as standard; Amazon Logistics reaches a large majority of the population with same-day or next-day delivery. Rated 'excellent' on the strength of nationwide next-day availability and universal address coverage, despite a parcel-locker network that is thinner than Poland's or France's — Amazon Lockers and Hub apartment lockers exist in metros but there is no dense third-party locker estate.

Notes

Cash on delivery is effectively extinct in US consumer e-commerce, unlike Italy or Mexico; card or account payment is assumed. Delivery to the door is the default even in apartment buildings, and package theft from doorsteps is a real and widely reported problem in cities.

Lisbon

European Commission — removal of the €150 customs duty exemption / temporary flat fee on low-value imports ↗

Official source

Data as of

Jul 1, 2026

Verified

Jul 4, 2026

Notes

Intra-EU shipping is frictionless (single market, all major carriers). Non-EU imports: the €150 duty-free threshold was removed on 2026-07-01 — a temporary flat €3/item duty applies to ≤€150 consignments (until the 2028 EU Customs reform); import VAT has applied from €0 since 2021 (IOSS collects it at checkout). Predictable but no longer duty-free — hence minor-friction.

New York City

Executive Order 14324 of 30 July 2025, Suspending Duty-Free De Minimis Treatment for All Countries, continued by Executive Order 14388 of 20 February 2026 (91 FR 9433) ↗

Official source

Data as of

Feb 20, 2026

Verified

Aug 1, 2026

Notes

This changed fundamentally in 2025 and is the fact most likely to be out of date in anyone's head. The United States used to have the most generous de minimis threshold in the world — $800 duty- and tax-free per person per day — which made ordering from abroad trivially easy. Executive Order 14324 suspended duty-free de minimis treatment for all countries from 29 August 2025, and Executive Order 14388 continued the suspension in February 2026. Every inbound shipment is now dutiable regardless of value, postal shipments carry duties set by the order, and carriers charge brokerage on top. The carriers themselves are excellent and clearance is quick, so this is friction of cost and paperwork rather than unreliability — but a €40 parcel from Europe now arrives with a bill attached.

Lisbon

M-Lab NDT country aggregates for Portugal ↗

Open data

Data as of

Dec 31, 2024

Verified

Jul 4, 2026

Method

M-Lab NDT daily country medians for Portugal cluster at ≈ 39–42 Mbps (2024). Recorded as 40 Mbps. WebFetch truncates the JSON to ~mid-January, so the full-year median should be re-aggregated from the M-Lab BigQuery dataset next cycle.

Notes

M-Lab NDT is single-stream and reads well below Ookla-style figures (Portuguese fibre retail speeds are far higher) — comparable only within this criterion. Value should be re-verified against the full 2024/2025 M-Lab aggregate.

New York City

M-Lab NDT country aggregates for the United States ↗

Open data

Data as of

Dec 31, 2023

Verified

Aug 1, 2026

Method

Median of the 344 daily country-median download values for US in 2023, which ranged 43.9–89.1 Mbps. M-Lab NDT is a single-stream test and reads well below advertised or Ookla-style figures — comparable only within this criterion. 2023 is the latest full year in M-Lab's public statistics API; the 2024 file stops on 26 March.

Notes

The highest reading of any country in this dataset on this metric — roughly three times Italy's — and it reflects a cable and fibre market that competes on headline speed. What the median hides is the price and the choice: monthly costs for gigabit service run well above European levels, and a large share of addresses have exactly one wired provider. Rural coverage remains the weak spot, though federal broadband funding is being deployed against it.

Lisbon

EF EPI 2025 — Portugal rank 6/123, score 612 (Very High band) ↗

Research

Data as of

Nov 1, 2025

Verified

Jul 4, 2026

Notes

Own band informed by EF EPI (attribution: EF Education First). Portugal ranks 6th of 123 countries (score 612, 'Very High'). English is broadly workable in cities, tourism, tech and services; less consistent in local government/administration.

New York City

Executive Order 14224 of 1 March 2025 — Designating English as the Official Language of the United States (90 FR, doc 2025-03694) ↗

Official source

Data as of

Mar 1, 2025

Verified

Aug 1, 2026

Notes

English is the language of government, healthcare, housing and services throughout the country, and since March 2025 it is also the designated official language at federal level — the first such designation in US history. Spanish is a genuine second language of daily life in parts of the south-west, Florida and large cities, and federal agencies still provide multilingual services, but nothing about daily life requires another language.

Lisbon

IB / Cambridge / AEFE / German Auslandsschulwesen accreditor evidence for the Lisbon metro (curated union) ↗

Curated by SettleMetric

Data as of

Jul 4, 2026

Verified

Jul 4, 2026

Method

Curated count of internationally-accredited schools in the Lisbon metro (Lisboa, Cascais, Sintra, Oeiras). Directly verified against their accreditor networks: Lycée Français Charles Lepierre (AEFE directly-managed establishment, aefe.gouv.fr) and Deutsche Schule Lissabon (German Auslandsschule under ZfA/Auswärtiges Amt, auslandsschulwesen.de). IB World Schools identified in the metro by name from IB 'by country' data and corroborating sources: St. Julian's (Carcavelos), St. Dominic's International (São Domingos de Rana), Carlucci/CAISL (Sintra), United Lisbon International, TASIS Portugal (Sintra), International Sharing School–Taguspark (Oeiras), Oeiras International School, PaRK International, plus The Lisboan (Cambridge + IB). Count = 11 named, accreditor-attributable schools.

Notes

±3 uncertainty. The live IB World Schools finder and the Cambridge 'Find a Cambridge school' registry both returned HTTP 403 to automated fetch this cycle, so individual IB/Cambridge authorizations were confirmed from official-adjacent sources rather than each read directly against the accreditor's live registry; AEFE and the German school were verified directly. Portugal has ~16 IB World Schools in total, most clustered in the Lisbon metro, so the true metro count of all-accreditor international schools is likely somewhat higher than 11 (aggregator guides list 30+ 'international' schools, but many lack a recognised accreditor). Re-verify each authorization against the IB and Cambridge registries from a browser next cycle.

New York City

International Schools Database — International schools in New York City (21 schools listed) ↗

Curated by SettleMetric

Data as of

Aug 1, 2026

Verified

Aug 1, 2026

Method

The directory states 21 international schools for New York City. The same directory was used for Athens, Rome, Milan and Genoa elsewhere in this dataset. Its curriculum filter counts, which overlap because a school can offer more than one, are: IB 13, American 10, French 5, German 3, International 3, British 2, Spanish 2, Chinese 1, Japanese 1, Italian 1, Montessori 1, Quaker 1.

Notes

Fewer than Rome's 29 despite three times the population, which reflects what the number measures rather than what is available: New York's private-school market is enormous but overwhelmingly domestic, so foreign-curriculum schools are a small specialist segment. Fees are the outlier — the directory's listings run from roughly $37,000 to $58,000 a year, well above any European city here.