11 US cities where you need to make more than $75,000 to live comfortably

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You need to earn six figures to afford to live in San Francisco.
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f11photo/Shutterstock

Some of the biggest cities in the US are actually quite affordable. But there are other places where a $75,000 salary – that’s about $15,000 more than the US median income – won’t cut it.

That’s according to GOBankingRates’ latest report on the income needed to live comfortably in the 50 biggest cities in America. GOBankingRates defined living comfortably as earning an income that allows for 50% necessary spending, 30% discretionary spending, and 20% savings.

To find out where you need a salary higher than $75,000 to live by the 50-30-20 budget, Business Insider filtered GOBankingRates’ data on the 50 most populous US cities.

The income needed for each city was determined by monthly expenses – housing, groceries, utilities, transportation, and health insurance – for a single person. GoBankingRates multiplied the total monthly cost of necessities for each city by 12 to get the annual cost. To live by the 50-30-20 rule, a person would need to earn twice as much as their expenses, so GoBankingRates doubled the total cost of necessities to arrive at the total recommended income for each city.

Below, check out the 11 places where you need to make more than $75,000 to live comfortably, including some of the nation’s most popular cities like New York, Washington, DC, and San Francisco. For context, we’ve also included how much the median household actually earns in each location.


Seattle

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kan_khampanya/Shutterstock

Population: 668,342

Income needed: $75,283

Median income: $70,594


Honolulu

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Shutterstock/Fiona Lin

Population: 350,399

Income needed: $75,698

Median income: $74,460


Miami

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Richard Cavalleri/Shutterstock

Population: 430,332

Income needed: $75,891

Median income: $31,051


Los Angeles

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Melpomene/Shutterstock

Population: 3,928,864

Income needed: $76,047

Median income: $50,205


Boston

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f11photo/Shutterstock

Population: 655,884

Income needed: $79,277

Median income: $55,777


Washington, DC

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Orhan Cam/Shutterstock

Population: 658,893

Income needed: $80,273

Median income: $70,848


Oakland

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trekandshoot/Shutterstock

Population: 413,775

Income needed: $80,438

Median income: $54,618


Jersey City

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f11photo/Shutterstock

Population: 262,146

Income needed: $80,586

Median income: $59,537


New York

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Flickr/Jerry Ferguson

Population: 8,491,079

Income needed: $86,446

Median income: $53,373


San Jose

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Getty/Justin Sullivan

Population: 1,015,785

Income needed: $87,153

Median income: $84,647


San Francisco

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Yulia Mayorova/Shutterstock

Population: 852,469

Income needed: $110,357

Median income: $81,294