Saving on Rent in NYC: How to Save Money by Living Just 10 minutes away from the Subway?

Written By Sabastian Lawrence

Living in the Big Apple can feel like trying to catch a ride on the ever-elusive dollar bill – especially when it comes to finding affordable places near the city’s lifeline, the subway.

The magic of a 2-minute morning commute to your nearest subway station is a luxury, often with a price tag that’ll have your wallet crying out for mercy. However, there’s a nifty hack many savvy New Yorkers have caught onto to save budgets and morning routines – living just a hop, skip, and jump away (about 10 minutes, to be exact) from a subway stop.

It’s like stumbling upon a hidden gem in the heart of the city🤫; apartments a bit further from the subway station can offer a serious rent break while keeping your commute convenient. This urban sweet spot might be your golden ticket to a balance of affordability and accessibility in a city known for its high-cost living

1. Why should you consider Living 10 mins from the subway station🚄?

Why should you consider Living 10 mins from the subway station

Imagine this, you live in Brooklyn, where the average cost of renting an apartment is generally somewhere between $2000 and $3500 per month.

You saw a few houses near your usual subway stop on the L train, and the homes were way over your budget; some even pegged at a whopping $4500 per month.

You walk further from the station, hardly for 10 mins, only to find much larger and cheaper apartments up for rent. Won’t those extra few miles feel like a breeze? Won’t you want to consider this opportunity? 

The answer is no rocket science, but to support the argument further, here is something that might help. 

1.1 Cost Savings

Who doesn’t want to save money in New York’s famously high-cost housing market? We all yearn to save significantly on rent, and that’s only possible if you are not planning to live near the subway.

Proximity to subway stops often drives up rental prices. Moving slightly away can bring you into less competitive – and therefore less expensive – territory.

1.2 More Living Space 

In a city famous for its shoebox apartments, having a few extra square feet can make a big difference to your quality of life and comfort. Living 10 minutes away from the subway can offer you that!

1.3. Neighborhood Variety

Moving away from subway stations allows you to explore other neighborhoods- hidden gems with local cafes, parks, and community events. You are much more likely to find a place that truly fits your lifestyle and budget by exploring homes a few blocks away from the subway.

1.4 Less Noise and Crowds

Do I even have to explain this!? In the never-sleeping, always-on-the-move mood of New York City, finding your own pocket of peace can make all the difference. Imagine sipping that amazing cup of coffee to birds chirping instead of traffic noises. Without a doubt, I’d walk 10 mins for that!

1.5 Healthy Lifestyle

This is indeed an added advantage! An added 10-minute walk to and from the subway station each day equates to an extra 20 minutes of walking. This can easily fill your daily exercise quota. In a city where gyms are pricey and time is scarce, this extra bit of exercise can be both a money and a health saver, don’t you think?

1.6 Reduced Competition

There’s typically high demand for apartments next to subway stations, which can result in a rushed decision or even bidding wars. By finding a house 10 minutes away, you will likely find less competition, giving you more time to consider your options and negotiate a deal on your terms.

2. Renting A One-Bedroom Apartment near a popular Subway Station can drill a hole into your Pocket

NYC Subway Map

Tenants pay at least $3,000 monthly rent for a one-bedroom apartment near a major subway hub. While this amount is not constant for every station, it wouldn’t be wrong to conclude that living near the subway is, in fact, expensive.

  1. Near the Union Square-14th Street station, rents average $4,600 monthly on the N-Q-R-W lines and $4,123 on the 4-5-6-6 Express lines.
  2. Near the 81st Street station on the A/B/C lines, following a significant year-on-year decrease, the median rent is now $2,500 per month.
  3. Near the 72nd Street station on the 1, 2, and 3 lines, the median rent was reported to be $3,495 per month in 2017 (though it’s likely higher now due to yearly increases).
  4. In Midtown East, near the 59th Street station on the 4-5-6 lines, the median rent is $3,650 per month.

And these rents are on an uphill climb. For instance,

2.1 Rent Increases for One-Bedroom Apartments Across Different Stops

Rent hikes have occurred near several subway stops in New York City, but the percentage of rent hikes has been highest near some subway stops. For instance, the Union Square-14th Street station saw an increase of 28.7% on the N-Q-R-W lines and 19.5% on the 4-5-6-6 Express lines from the previous year in 2023.

Moreover, the median rent for unfurnished one-bedroom apartments near the 2nd Avenue subway station (Q line) increased by 19.5% compared to the previous year, the highest percentage increase among all subway stops. The median rent for unfurnished one-bedroom apartments near the 8th Avenue subway station (A, C, and E lines) also increased by 9.3% compared to the previous year.

Other subway stops that experienced rent hikes in one-bedroom apartments include:

  • The median rent for unfurnished one-bedroom apartments near the Canal Street subway station (N, Q, R, W, J, and Z lines) increased by 7.6% compared to the previous year.
  • Whereas, at 96th Street subway station (1, 2, and 3 lines), the median rent for unfurnished one-bedroom apartments increased by 33.9% compared to the previous year.
  • Talking about the 34th Street subway station (B, D, F, M, N, Q, R, and W lines), the median rent for unfurnished one-bedroom apartments increased by 5.2% compared to the previous year.

2.2 Rent drops for One-Bedroom Apartments Across Different Stops

While it might seem like rents are on an uphill climb near most major subway stations, plot twists await around the corner. In certain hidden corners of the city, rents have taken a surprise downhill plunge.

The COVID-19 pandemic significantly influenced the real estate market in New York City. The economic fallout from the pandemic, particularly an 18.3% spike in unemployment in the city in 2020, exerted downward pressure on rental rates.

However, as of the recent data, the impact has been uneven across different neighborhoods and subway stations. While rents have rebounded in some areas, they have continued to fall in others. Specific examples include:

  1. At the 28 St – 6 Train subway station, there was an 11.3% drop in rent, bringing the median rent to $3,635.
  2. The subway station at 62 St – D/N saw a rent drop of 8.8%, with the median rent now at $1,550.
  3. The 96 St – Q subway station experienced a rent decrease of 8.4%, making the median rent $2,839.
  4. At Fort Hamilton Parkway – D, the median rent for one-bedroom apartments fell by 7.7% (the new median price was not provided).
  5. The 34 St – Herald Sq – B/D/F/M/N/Q/R/W subway station saw rents fall by 7.6% to a new median of $3,600.

3. How much can you practically save by living 10 mins away from the subway?

According to Renthop, every 10-minute stride towards the subway could whittle your rent by approximately 10%. Now, that’s a substantial change you could divert towards other life’s necessities or even a well-deserved treat!

For instance, why shell out a hefty $5,265 to live near Union Square’s 14th St when you could settle near 59th Street / Lexington Ave for a far more palatable $3,250? That’s a jaw-dropping monthly saving of $2,015 or an annual bounty of $24,180!

But that doesn’t mean that you start exploring apartments very far away from the subway! Doing so might turn your rent savings into mobility expenses and bring you back to that even stage.

3.1 How can you save 10% on rent by living 10 minutes away from the subway?

Living 10 minutes away from the subway station doesn’t translate to a 10% savings on rent automatically. It is based on an observed trend in rental pricing in cities like New York. Here’s the reasoning behind it:

In major cities, especially those with robust public transportation networks like New York, properties closer to key transit hubs (like subway stations) tend to demand higher rents because of the convenience factor.

For instance, popular subways like Queens and Manhattan have more public buffers than other popular regions; hence it results in higher rents for people who are looking for accommodation. Rent for a one-bedroom apartment can be up to $5000 monthly in these areas. Stepping out of your door and into a subway station within minutes is a luxury many are willing to pay a premium for.

Now, as you move further away from these transit hubs, that convenience factor lessens slightly, and so does the demand. As a result, landlords and property managers often price these slightly farther properties somewhat lower to attract tenants.

A study by RentHop reveals that those renting within a 500-foot radius of a subway station can pay an average of 7.3% more for rent compared to those residing a bit farther away. This premium shoots up to a staggering 39% for those living within a 125-foot radius of a subway station!

 How Close You Live to a Subway Station vs How Much More You Pay in Rent"

By choosing to reside just one subway stop away from the desired station, renters could save up to $282 per month. That’s a potential annual savings of over $3,000! On average, living one stop away could save 16.1% on rent.

For example, the average rent for a one-bedroom apartment near a subway station is $2,350, compared to the city’s overall average of $2,830 for the same apartment type. That’s a monthly savings of $480, or a whopping $5,760 per year.

Similarly, for two-bedroom apartments, living 10 mins away from the subway station would cost you an average of $2,995, whereas the citywide average stands at $3,350. By choosing to live farther from a subway station, you could potentially save $355 per month, or $4,260 a year.

In essence, the “10-minute, 10%” rule is a rule of thumb derived from observing trends in rental markets. It’s not a hard and fast rule, but an average: for every 10-minute walk from a subway station you move, the rent prices tend to be about 10% lower.

Source: 4, 5

4. A complete guide: Rent in New York’s Subway

4.1 Brooklyn subway

Brooklyn subway

Brooklyn is known for its lively culture and vibrant neighborhoods. One area in Brooklyn that has seen a surge in rent prices is near the subway station at Bedford Avenue. The L train connects at this station, making it a popular spot for tourists and locals. Its vicinity to popular tourist attractions, such as the Brooklyn Museum, the Barclays Center, and McCarren Park, has contributed to the increase in rent prices for apartments near the subway. The availability of trendy restaurants, bars, and shops in the area has also made it a popular destination for residents.

The gentrification of the area has further led to an increase in rent prices, with developers renovating and building new apartments to cater to the growing demand. The average rent for a one-bedroom apartment in the area is around $2,800, significantly higher than the average rent for the rest of Brooklyn. The demand for apartments near Bedford Avenue station shows no sign of slowing down, and the rent prices will likely continue rising.

BedsPrice/sqftRent (2023)1 Yr Ago Rent (% +/-)3 Yr Ago Rent (% +/-)
Studio $46$3,319$3,020 (9.91%)$2,764 (20.09%)
1 BA$67$3,750$3,250 (15.38%)$3,012 (24.50%)
2 BA$41$3,675$3,265 (12.56%)$3,000 (22.50%)
3 BA$35$3,600$3,164 (13.79%)$2,998 (20.08%)
4+ BA$34$4,400$3,914 (12.42%)$3,900 (12.83%)

4.1.1 Saving on Rent

Distance from SubwayMedian Rent Decreases
1/16th of a mile (2 minutes)8.4%
1/6th of a mile (10 minutes)15.4%
1/8th of a mile (15 minutes)18.6%

A study reveals that the distance from subway stations significantly influences the cost of rent in Brooklyn. For every 1/16th of a mile (equivalent to a 2-minute walk) further from a subway station, median rents decrease by 8.4%. This reduction grows more significant with increased distance: a 1/6th of a mile (about a 10-minute walk) results in a 15.4% decrease, and a 1/8th of a mile (around 15 minutes) lowers median rents by 18.6%.

Take, for instance, Bushwick, served by the L, J, and Z lines. An average one-bedroom apartment rents for $2,500 close to these stations. If you opt for a 10-minute walk, the rent could decrease to around $2,250, saving approximately $250 monthly and an annual savings of $3,000.

Similar savings can be found in Bed-Stuy, Crown Heights, Sunset Park, Bay Ridge, and Flatbush when living a bit further from the subway stations. In each of these vibrant Brooklyn neighborhoods, living 10 minutes away from the subway can help save approximately $250 per month, equating to an impressive $3,000 in yearly savings.

The implications of these findings are that with strategic apartment hunting, you can shave off nearly $600 from your monthly rent simply by choosing a residence a little farther from the subway. This becomes even more substantial when considering larger apartments. For instance, four+ bedroom apartments that cost around $34 per sqft could lead to a savings of $4,400 in 2023.

You can save on rent by venturing into less popular but equally charming neighborhoods such as East Flatbush, Brownsville, and Canarsie. These areas have lower rent than sought-after neighborhoods like Williamsburg and Park Slope.

In addition to location, the size of the apartment and the number of roommates can significantly affect costs. As of 2023, the average rent for a one-bedroom apartment in Brooklyn is $2,471, while a two-bedroom apartment costs around $3,054. If you’re open to sharing your living space, a two-bedroom split between roommates can offer significant savings.

4.2 Manhattan subway

Manhattan subway

The high rent at Manhattan subway stations can be attributed to several factors. Firstly, Manhattan is the financial capital of the world and is home to many multinational corporations and wealthy individuals.

This attracts many people to the city, increasing the demand for housing and driving up prices. Secondly, Manhattan is a major tourist destination and attracts millions of yearly visitors. Many tourists prefer to stay in apartments near subway stations for convenience, leading to higher demand and higher prices for these properties.

The subway stations in Manhattan are served by several train lines, including the 1, 2, 3, 4, 5, 6, A, C, E, B, D, F, M, N, Q, R, and W trains. These train lines connect Manhattan to other boroughs of New York City, as well as neighboring states like New Jersey.

Many Manhattan subway stations are located in areas with high tourist attractions, such as Times Square, Wall Street, and Central Park. Apartments near these subway stations are highly desirable due to their proximity to these attractions, leading to higher rent prices.

BedsPrice/sqftRent (2023)1 Yr Ago Rent (% +/-)3 Yr Ago Rent (% +/-)
Studio$87$3,300$2,861 (15.36%)$2,819 (17.08%)
1 BA$77$4,175$3,997 (4.44%)$3,507 (19.06%)
2 BA$74$5,750$4,830 (19.04%)$4,555 (26.23%)
3 BA$73$6,900$5,762 (19.76%)$5,947 (16.03%)
4+ BA$77$7,295$7,540 (-3.25%)$7,248 (0.64%)

4.2.1 Saving on Rent

Distance from the SubwayMedian Rent Decreases
1/16th of a mile (2 minutes)4.2%
1/6th of a mile (10 minutes)10.1%
1/8th of a mile (15 minutes)13.3%

Applying this data to specific locations provides clearer insight. Take the Union Square-14th Street Station as an example. An average one-bedroom apartment rents for $4,600 within a 5-minute walk to the station. However, if you move 10 minutes away, the rent could decrease to approximately $4,140, meaning a potential monthly savings of $460.

Similar dynamics are observed around Times Square-42nd Street Station. One-bedroom apartments average $3,900 in close proximity to the station, but venturing a 10-minute walk away could reduce this figure to $3,510, resulting in approximately $390 in monthly savings.

Near the Grand Central-42nd Street Station, a one-bedroom apartment’s average cost falls from $3,800 near the station to roughly $3,420 with a 10-minute walk. This offers a potential monthly saving of around $380.

Lastly, around the Fulton Street Station, a one-bedroom apartment’s average rent drops from $3,700 within a 5-minute walk of the station to around $3,330 when living a 10-minute walk away. This implies possible monthly savings of about $370.

4.3 Queens subway

Queens subway

The cost of living in Queens is well-known for its high rent prices near the subway stations. The reason behind this is the easy accessibility to different parts of the city through the subway network. Queens is well-connected to other boroughs of New York City through its subway network, and the subway station at Queensboro Plaza is an essential transportation hub in Queens. The station serves as a transfer point for various trains, including the 7, N, W, and E trains, which provide easy access to Manhattan, Brooklyn, and other parts of Queens.

The increased tourist attraction in Queens, such as Citi Field, home of the New York Mets, and the Queensboro Bridge, also contributes to the high rent prices in the area. The increased tourism has increased demand for apartments near subway stations, driving up rental prices. 

According to Renthop, the average rent for a one-bedroom apartment in Queens is around $2,950 per month, while the rent for a two-bedroom apartment can go up to $3,050 per month. If we consider the case of three and four-bedroom apartments, it can easily climb to $3,200 and $3,650, respectively.  Therefore, living near the subway station in Queens can be an expensive proposition, but it provides convenient access to various parts of the city and all the attractions that Queens has to offer.

BedsPrice/sqftRent (2023)1 Yr Ago Rent (% +/-)3 Yr Ago Rent (% +/-)
Studio$70$2,200$2,543 (-13.50%)$2,363 (-6.91%)
1 BR$52$2,950$2,708 (8.92%)$2,258 (30.63%)
2 BR$41$3,050$3,280 (-7.01%)$2,639 (15.56%)
3 BR$34$3,200$2,833 (12.94%)$2,917 (9.71%)
4+ BR$31$3,675$3,500 (5.00%)$3,623 (1.43%)

4.3.1 Saving on Rent

Distance from the SubwayMedian Rent Decreases
1/16th of a mile (2 minutes)6.9%
1/6th of a mile (10 minutes)12.3%
1/8th of a mile (15 minutes)14.7%

In Queens, you have several neighborhoods offering considerable savings on rent if you’re willing to live a short walk from subway stations. For example, in Astoria, known for its eclectic food scene and vibrant nightlife, one-bedroom apartments close to the N and W lines average $2,500 per month. However, opting for a 10-minute walk could reduce this to around $2,000, providing a substantial monthly saving of $500 and an annual saving of $6,000.

Similarly, in Sunnyside, a family-friendly locale with easy Manhattan access, one-bedroom apartments near the 7-line average at $2,000. A 10-minute walk could decrease this to $1,500, yielding monthly savings of $500 and annual savings of $6,000.

Woodside, a culturally diverse neighborhood with excellent connectivity via the 7, E, M, and R lines, follows the same trend. An average one-bedroom apartment close to the station costs about $2,000 per month. By walking an additional 10 minutes, you can find places for $1,500 per month, saving $500 each month or $6,000 annually.

Further into the borough, Jackson Heights offers an exciting blend of cultures and a lively nightlife. One-bedroom apartments near the E, F, M, R, and 7 lines average $2,500 monthly. Opting for a 10-minute walk can decrease this to $2,000, yielding a monthly saving of $500 and an annual saving of $6,000.

In Flushing, well-known for its Chinatown and proximity to Citi Field, the average one-bedroom rent near the 7 line is $2,500. Walking 10 minutes could save you $500 each month, amounting to an annual saving of $6,000.

Lastly, in Ridgewood, a peaceful neighborhood with tree-lined streets close to Forest Park, the rent near the M line averages $2,000. A 10-minute walk reduces the cost to $1,500, leading to a $500 monthly saving and a substantial $6,000 savings annually.

In conclusion, living 10 minutes away from subway stations in these Queens neighborhoods can lead to substantial monthly savings and significantly reduce your annual housing expenses.

4.4 Bronx

Bronx Subway

It’s worth noting that according to the New York Times, the pandemic has had a significant impact on housing in the Bronx, with many residents struggling to afford their homes. However, there are still ways to find affordable rent prices in the borough.

As of March 2023, the average rent for a studio apartment in the Bronx is $1,800, while the average rent for a one-bedroom apartment is $2,293. Of course, these prices can vary depending on the location and other factors.

Considering the case of four and three-bedroom prices, it can easily cost you around $3,100 and $4,000, respectively. 

BedsPrice/sqftRent (2023)1 Yr Ago Rent (% +/-)3 Yr Ago Rent (% +/-)
Studio$57$1,800$1,796 (0.24%)$1,617 (11.34%)
1 BR$36$2,293$1,883 (21.75%)$1,699 (34.97%)
2 BR$30$2,500$2,297 (8.85%)$2,035 (22.83%)
3 BR$33$3,100$2,665 (16.32%)$2,504 (23.83%)
4+ BR$40$4,000$3,665 (9.13%)$2,846 (40.55%)

4.3.1 Saving on Rent

Distance from the SubwayMedian Rent Decreases
1/16th of a mile (2 minutes)3.7%
1/6th of a mile (10 minutes)9.7%
1/8th of a mile (15 minutes)12.7%

As you can see, the median rent decrease for apartments in the Bronx is slightly lower than the median rent decrease for apartments in Manhattan, Brooklyn, and Queens.

This is likely because the Bronx is a more affordable borough, to begin with, so there is less of a difference in rent between apartments that are close to subway stations and apartments that are further away.

The Bronx offers some great neighborhoods with considerable savings on rent if you’re comfortable with a short walk from subway stations. For instance, Morrisania, a diverse neighborhood known for its affordability and proximity to Yankee Stadium, offers one-bedroom apartments near the 2, 5 lines at an average of $1,500 per month. However, a 10-minute walk away, you could find apartments at around $1,200, a potential monthly saving of $300, or a yearly saving of $3,600.

Parkchester, a large residential development known for its spacious apartments, has a median one-bedroom rent of $1,800 near the 6 line. Opting for a 10-minute walk can reduce this to about $1,500, yielding a monthly saving of $300 and an annual saving of $3,600.

Wakefield, a serene neighborhood with a family-friendly atmosphere, presents similar opportunities. Near the 2 lines, one-bedroom apartments average $1,500, but a 10-minute walk could decrease the rent to around $1,200. This equals a monthly saving of $300 and an annual saving of $3,600.

Allerton, known for its affordability and proximity to Fordham University, has one-bedroom apartments near the 2, 5 lines averaging $1,500. By choosing to live a 10-minute walk away, you can find places costing around $1,200, thereby saving $300 each month or $3,600 annually.

Finally, Pelham Parkway, a family-friendly area with tree-lined streets, offers one-bedroom apartments near the 2, 5 lines at an average of $1,800. However, a 10-minute walk away can reduce the cost to about $1,500, leading to a $300 monthly saving and a significant $3,600 savings annually.

5. Tips and Tricks to Make More of The Rental Budget

  • Look for apartments a few blocks away from subway stations: While living close to subway stations is convenient, it often means paying a premium for the location. Consider living a few blocks away from the subway station, where you may be able to find more affordable rent prices. This can also allow you to explore different neighborhoods and discover new places to visit.
  • Check out rent-stabilized apartments: In New York City, rent-stabilized apartments are subject to rent regulations, meaning landlords can only increase the rent by a certain percentage each year. This can make them a more affordable option, especially if you plan on living in the same place for a few years.
  • Pay more upfront to reduce your monthly rent: If you have enough savings, consider offering your landlord more money upfront in exchange for a reduced monthly rent. This can be especially helpful if you’re on a tight budget.
  • Take advantage of rent deferral agreements: In light of the COVID-19 pandemic, many landlords have been offering rent deferral agreements to tenants who are experiencing financial insecurity. These agreements allow you to defer paying rent for a period, with the understanding that you will pay it back in installments later. However, it’s important to ask your landlord about these agreements sooner rather than later and to make sure you understand the terms of the agreement.

6. How far do you live from a subway to find cheap rent in New York City?

New York City is known for its expensive real estate, and finding an affordable apartment close to a subway station can be challenging. However, recent reports have shown that living farther away from subway stations can result in cheaper rent prices.

Business insider’s data in Brooklyn and Queens found that apartments located more than half a mile away from subway entrances can be up to 10% cheaper than those closer to the subway.

In Manhattan, the study found that apartments within a sixth to an eighth of a mile from the subway have the cheapest rent, but only by 2.9% compared to the borough median. However, the study also excluded Staten Island and the Bronx due to a lack of available data.

Living farther away from the subway can result in cheaper rent prices due to the convenience factor of proximity to transportation. Apartments closer to subway stations are often more desirable and, therefore, more expensive. However, the savings can vary depending on the distance from the subway station. In Brooklyn and Queens, the savings can be up to 10% for apartments more than half a mile from subway entrances. This means the more you are renting away from the subways, the more will be your savings.

Source: 6, 7

7. What is the cost of living near a subway stop in New York?

Rents for one-bedroom apartments fell around 418 out of 473 subway stops across the city, making it possible to find good deals on rental properties close to subway stations. However, the study also found that some of the most expensive rental properties in the city are located near subway stops that provide easy access to Manhattan and other popular destinations. 

The median rent for a one-bedroom apartment near the Ditmas Avenue subway stop in Brooklyn was found to be $1,725, which is $1,225 less than the median rent near the Avenue I stop just one station closer to Manhattan. Similarly, residents of 77th Street in Manhattan can enjoy similar savings compared to those living closer to Midtown.

In the case you are thinking that it is the rent only that is going to burn a hole in your pocket, then it is not. In addition to the cost of rent, other expenses associated with living near a subway stop can add up quickly.

The cost of living in New York City (Manhattan) is higher than the national average, with housing costs being the largest expense for residents. Other expenses such as gas, food, and healthcare can also be costly but can vary depending on factors such as location, lifestyle, and personal choices. Of course, these factors are a lot more important regarding the tight renting budget in one of the world’s hustle and bustle cities. Considering these small things can make a large impact on the overall saving and budgeting.

Source: 7, 8, 9


Living in New York City doesn’t want to break the bank. By understanding the correlation between distance from subway stations and rent prices, you can navigate the NYC rental market more effectively and find affordable housing that fits your lifestyle.

Whether you choose a trendy neighborhood in Brooklyn, a family-friendly borough in Queens, a lively Manhattan locale, or a diverse community in the Bronx, you can uncover considerable savings by opting for a short, healthy walk to the subway.

Remember, every block walked could potentially translate into hundreds of dollars saved annually. As you venture into your NYC apartment hunt, keep this guide in mind to make informed decisions and unlock more affordable urban living.

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