The 15-Minute Community Life Circle is a frontier planning concept for enhancing urban livability. However, the economic value of its core principle, diversity, and its underlying structure, remain to be thoroughly explored. Based on panel data from 3183 communities in Xiamen City from 2021 to 2024, this study constructs a multidimensional measurement system for 133 types of urban service facilities, incorporating four indices: Patrick richness index (R), Shannon-wiener index (H), Simpson's diversity index (D), and Pielou's evenness index (J′). We then systematically evaluate the Marginal Willingness to Pay (MWTP) for urban service diversity. The findings indicate that residents' willingness to pay is primarily driven by service evenness rather than mere richness. Heterogeneity analysis further reveals that the value of diversity is closely correlated with service categories. This value is positive for shopping services and educational and cultural services, whereas it presents as negative for dining services, life services, and sports and leisure services. The 15-Minute Community Life Circle remains robust in the digital age, although its value is increasingly concentrated on localized, experiential services. Concurrently, service richness exhibits attributes of a necessity for low- and middle-income groups, whereas service evenness demonstrates universal appeal across all income levels. Spatially, the Marginal Willingness to Pay for service diversity follows an "inverted U-shaped" distribution. In contrast, the value of evenness demonstrates spatial universality. By deconstructing the economic value of service diversity, this research provides systematic empirical evidence for urban planning practices to shift focus from pursuing quantity to emphasizing structure and equity.
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