The last section in this article on Tacoma made me think more about how cost of living estimates often misstate the "real" cost of living in a place.
Specifically, it made me think about how the "fifteen minute city" (which is the ostensible topic of the article as a whole) is fundamentally about reducing cost of living in invisible or semi-visible ways.
1. Commutes
The most obvious (and semi-visible) way in which a 15-minute city reduces costs of living is by reducing how far the average person has to commute. This is a cost in time (of course) but also a cost in, well, cost: with rare exceptions, the further you have to commute, the more you have to pay, whether in train fare, gas, or wear and tear on vehicles. Obviously these scale differently and may vary on the particular fare structure of a system or the difference in available routings, but at the very least shorter trips are not usually more expensive than long ones, and often much cheaper--even before you factor in lost time.
And of course you should do that. That time is valuable.
The other way in which a 15-minute city reduces commute costs is the one we briefly talked about with congestion charges: even if you yourself still work more than 15 minutes away, the more of your neighbors who work less, the less traffic you face, and the easier your commute is even if it stays the same distance.
If you live in the Loop, you don't need to go as far--but if you don't, it's still better for you to have your neighbors not also commuting to the Loop with you.
This doesn't change a traditional cost of living calculation, because the cost of moving a given distance (held steady to compare) doesn't necessarily change. But if you can reduce the distance you're commuting or increase the speed, the act of commuting becomes less costly, even if the per mile cost of a standardized commute doesn't.
2. Maintenance and Readiness
Another big cost of living that is hard to calculate changes in is the cost of needing to be ready to use multiple forms of transit, most notably the number of cars your household might need. Again, a traditional cost of living calculator is likely to give you the cost of a car, or of gas, or of both, held steady to make the comparison apples to apples. But a good 15-minute city reduces the need for an apple at all: if you can not have the car, then it doesn't matter if the car is more or less expensive to own or operate. Or if you can one car instead of two, or a fuel-efficient car instead of a behemoth, or any other way of reducing that car cost.
Even in semi-suburban Indiana, the bus is the cheaper option if you can use it.
This even goes for transit costs as well: if I can walk places, I don't need to expect to pay as much for transit. If I can pay by the trip because I'm using transit less rather than buying a monthly pass, my costs go down. If I can buy a single monthly pass instead of cobbling together three rides on three separate transit agencies because they weren't designed to operate together....you get the picture.
Good, integrated urban design means you don't need to have a car every day, which might mean you don't even need to keep a car in readiness for most days, which can create a virtuous cycle of cheapness without changing the actual cost of a car at all.
And don't get me started on the cost of maintaining and storing those vehicles--which is a separate cost not usually calculated in CoL calculations but definitely exists.
3. Time Is Money
I don't mean this in the above sense that saving time means saving money because your time is valuable, though that's true.
I mean that saving time in the rest of your life allows you the time to save money in it as well. Less takeout because you have time to cook; fewer doctors' visits because you have time to exercise (or build it into active lifestyles); less stress because you have the time to do things you enjoy or to make sure you get done the things you were squeezing out of your life.
If you have the time to sit here, you have the time not to worry about sitting here, and you'll feel better about yourself and your life.
So the cost of living can't just be calculated by looking at a basket of goods and comparing their prices (though that is certainly a useful exercise). Rather, it has to include what the city around you actually allows you to do--and how much of that basket (at what price point) you're actually using.






















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