Welcome, doing a city is difficult but possible. It depends on how sensible or historically accurate the city should be. Anyway, there are lots of city tutorials about but were all still striving to get an easy and less laborious way of making them. For price, Blender is also in that unbeatable price range. Sketchup from google is definitely a must check out too. There are others as well. And other pricey versions to look at too. Nothing is very simple in 3D tho.