Elizabeth Renstrom for TIME

It will only cost you about $49,114 a year to raise a family in Morristown, Tennessee, but if you move to Washington, DC, that expense more that doubles, to $106,493.

That’s according to the Economic Policy Institute‘s 2015 Family Budget Calculator, which measures the annual cost of necessities for a family to live a secure yet modest lifestyle by estimating the costs of housing, food, child care, transportation, healthcare, other necessities, and taxes.

(Read the EPI’s full methodology for the budget calculator here.)

The EPI gathered data in 618 metro areas throughout the US for several different family types. Here, we’ve highlighted the cost of living for a four-person family (two adults, two children) in 20 major US cities.

If you’re looking to start a family in an urban area, consider the annual and monthly cost of necessities, and remember, these numbers do not include savings or discretionary spending.


Houston, Texas

Scott Halleran—Getty Images

Estimated cost of annual necessities: $60,608

Estimated cost of monthly necessities: $5,051


Cleveland, Ohio

Raymond Boyd—Getty Images

Estimated cost of annual necessities: $60,900

Estimated cost of monthly necessities: $5,075


Dallas, Texas

Bloomberg/Getty Images

Estimated cost of annual necessities: $61,150

Estimated cost of monthly necessities: $5,096


St. Louis, Missouri

G. Sioen—De Agostini/Getty Images

Estimated cost of annual necessities: $63,100

Estimated cost of monthly necessities: $5,258


Atlanta, Georgia

Ullstein Bild/Getty Images

Estimated cost of annual necessities: $63,888

Estimated cost of monthly necessities: $5,324


Charlotte, North Carolina

Streeter Lecka—Getty Images

Estimated cost of annual necessities: $65,492

Estimated cost of monthly necessities: $5,458


Portland, Oregon

Santi Visalli—Getty Images

Estimated cost of annual necessities: $67,802

Estimated cost of monthly necessities: $5,650


Miami, Florida

Bloomberg/Getty Images

Estimated cost of annual necessities: $68,503

Estimated cost of monthly necessities: $5,709


Sacramento, California

George Rose—Getty Images

Estimated cost of annual necessities: $69,296

Estimated cost of monthly necessities: $5,775


Denver, Colorado

Helen H. Richardson—The Denver Post/Getty Images

Estimated cost of annual necessities: $71,104

Estimated cost of monthly necessities: $5,925


Chicago, Illinois

Raymond Boyd—Getty Images

Estimated cost of annual necessities: $71,995

Estimated cost of monthly necessities: $6,000


Seattle, Washington

G. Sioen—De Agostini/Getty Images

Estimated cost of annual necessities: $72,274

Estimated cost of monthly necessities: $6,023


Los Angeles, California

Siqui Sanchez—Getty Images

Estimated cost of annual necessities: $73,887

Estimated cost of monthly necessities: $6,157


San Diego, California

Education Images/UIG/Getty Images

Estimated cost of annual necessities: $74,425

Estimated cost of monthly necessities: $6,202


Baltimore, Maryland

Education Images/UIG/Getty Images

Estimated cost of annual necessities: $74,427

Estimated cost of monthly necessities: $6,202


Philadelphia, Pennsylvania

Bloomberg/Getty Images

Estimated cost of annual necessities: $76,393

Estimated cost of monthly necessities: $6,366


Boston, Massachusetts

Education Images/UIG/Getty Images

Estimated cost of annual necessities: $85,793

Estimated cost of monthly necessities: $7,149


San Francisco, California

Bloomberg/Getty Images

Estimated cost of annual necessities: $91,785

Estimated cost of monthly necessities: $7,649


New York, New York

Education Images/UIG/Getty Images

Estimated cost of annual necessities: $98,722

Estimated cost of monthly necessities: $8,227


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