St. Andrews, United Kingdom

With a population of just 17,580, St. Andrews is a quaint coastal town that often comes with a hefty price tag. Housing costs are sky-high, with the town's famous "Scores" district boasting average home prices exceeding £2 million. While the seaside setting and world-renowned golf courses draw tourists, the local bureaucracy is a persistent headache, from navigating public transit to securing building permits. And despite its northern latitude, the climate is surprisingly mild, though residents must contend with frequent strong winds. Overall, St. Andrews caters best to the affluent and devoted golfers willing to overlook its bureaucratic hurdles.