I live on a road that sees plenty of traffic from both autos and trains through the day, as well as having two or three churches within loud bell-ringing distance... the main issue isn't when there is significant numbers of autos, but rather, in the quiet hours sometimes a single car sounds really loud.
The nearest church is on the opposite side of the block, but our terrace is about on level with the bell tower. Sometimes the bells make it tough to hear phone conversations or the TV, but they don't ring so loud over night, so they don't generally wake me up or keep me from getting to sleep. Summer time gives us 10min worth of bell ringing at 7am and 7pm, winter time it is 6am and 6pm daily, as well as "come to service" type ringing on Saturday evenings and Sunday mornings, still, the morning ringings are less disturbing (they don't wake me) than the evenings.
The tougher thing to me to get used to has been lack of air conditioning.
One habit that is useful to cultivate for the summer heat is to leave everything as open as you dare all night and then close the (outside) shutters or blinds to keep the heat of the sun off the glass. If you can keep it from getting (too) hot in the first place, the night is much more bearable.