The most common and most likely answer to this crossword clue is the 8 plus 7 letter word POSTCODE LOTTERY
I've seen this crossword clue in Independent
P
O
S
T
C
O
D
E
L
O
T
T
E
R
Y
More clues leading to the result POSTCODE LOTTERY
- Advantage of locality closed to careers in ceramics?
- In which players hope for a home draw?
- Address concern when provision depends on chance?
- Countrywide issue, to-do -- copy letters sent out
- Quality of service addressed, as luck would have it
- Lost cycling getting to grips with rules – in China it depends on where you live
Buddy explains!
The straight part
We know that "it depends on where you live" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case it depends on where you live = postcode lottery.The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.