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.
Washington, D.C.
![US-LIFESTYLE-TOURISM US-LIFESTYLE-TOURISM](https://api.time.com/wp-content/uploads/2015/08/washington-dc-monument.jpg?quality=75&w=2400)
Estimated cost of annual necessities: $106,493
Estimated cost of monthly necessities: $8,874
This article originally appeared on Business Insider
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New York, New York
![NY Skyline, Freedom Tower NY Skyline, Freedom Tower](https://api.time.com/wp-content/uploads/2015/08/new-york-skyline.jpg?quality=75&w=2400)
Estimated cost of annual necessities: $98,722
Estimated cost of monthly necessities: $8,227
San Francisco, California
![Residential Real Estate As City Becomes The Least Affordable U.S. Housing Market Residential Real Estate As City Becomes The Least Affordable U.S. Housing Market](https://api.time.com/wp-content/uploads/2015/08/san-francisco-skyline.jpg?quality=75&w=2400)
Estimated cost of annual necessities: $91,785
Estimated cost of monthly necessities: $7,649
Boston, Massachusetts
![Colorful docked sailboats and Boston Skyline in winter on half frozen Charles River, Massachusetts Colorful docked sailboats and Boston Skyline in winter on half frozen Charles River, Massachusetts](https://api.time.com/wp-content/uploads/2015/08/boston-skyline.jpg?quality=75&w=2400)
Estimated cost of annual necessities: $85,793
Estimated cost of monthly necessities: $7,149
Philadelphia, Pennsylvania
![Views Of Pennsylvania's Largest City Views Of Pennsylvania's Largest City](https://api.time.com/wp-content/uploads/2015/08/philadelphia-skyline.jpg?quality=75&w=2400)
Estimated cost of annual necessities: $76,393
Estimated cost of monthly necessities: $6,366
Baltimore, Maryland
![US Coast Guard sailing ship Eagle departs Baltimore harbor, Maryland US Coast Guard sailing ship Eagle departs Baltimore harbor, Maryland](https://api.time.com/wp-content/uploads/2015/08/baltimore-skyline.jpg?quality=75&w=2400)
Estimated cost of annual necessities: $74,427
Estimated cost of monthly necessities: $6,202
San Diego, California
![Scenic San Diego skyline, sailboat and waterfront, Pacific Ocean at sunset, California Scenic San Diego skyline, sailboat and waterfront, Pacific Ocean at sunset, California](https://api.time.com/wp-content/uploads/2015/08/san-diego-skyline.jpg?quality=75&w=2400)
Estimated cost of annual necessities: $74,425
Estimated cost of monthly necessities: $6,202
Los Angeles, California
![Culture Culture](https://api.time.com/wp-content/uploads/2015/08/los-angeles-hollywood-sign.jpg?quality=75&w=2400)
Estimated cost of annual necessities: $73,887
Estimated cost of monthly necessities: $6,157
Seattle, Washington
![Space Needle Space Needle](https://api.time.com/wp-content/uploads/2015/08/seattle-skyline.jpg?quality=75&w=2400)
Estimated cost of annual necessities: $72,274
Estimated cost of monthly necessities: $6,023
Chicago, Illinois
![Chicago Cityscapes And City Views Chicago Cityscapes And City Views](https://api.time.com/wp-content/uploads/2015/08/chicago-skyline.jpg?quality=75&w=2400)
Estimated cost of annual necessities: $71,995
Estimated cost of monthly necessities: $6,000
Denver, Colorado
![DENVER, CO - APRIL 30: Denver Skyline as seen from the Cherry Creek Dam road in Denver, Colorado on April 30, 2015. (Photo By Helen H. Richardson/ The Denver Post)](https://api.time.com/wp-content/uploads/2015/08/denver-skyline.jpg?quality=75&w=2400)
Estimated cost of annual necessities: $71,104
Estimated cost of monthly necessities: $5,925
Sacramento, California
![sacramento-capital-building](https://api.time.com/wp-content/uploads/2015/08/sacramento-capital-building.jpg?quality=75&w=2400)
Estimated cost of annual necessities: $69,296
Estimated cost of monthly necessities: $5,775
Miami, Florida
![U.S. Travel, Tourism Exports In 2012 Reach $168 Billion U.S. Travel, Tourism Exports In 2012 Reach $168 Billion](https://api.time.com/wp-content/uploads/2015/08/miami-skyline.jpg?quality=75&w=2400)
Estimated cost of annual necessities: $68,503
Estimated cost of monthly necessities: $5,709
Portland, Oregon
![Skyline Skyline](https://api.time.com/wp-content/uploads/2015/08/portland-oregon-skyline.jpg?quality=75&w=2400)
Estimated cost of annual necessities: $67,802
Estimated cost of monthly necessities: $5,650
Charlotte, North Carolina
![Democratic National Convention Committee Unveils Stage For DNC Democratic National Convention Committee Unveils Stage For DNC](https://api.time.com/wp-content/uploads/2015/08/charlotte-skyline.jpg?quality=75&w=2400)
Estimated cost of annual necessities: $65,492
Estimated cost of monthly necessities: $5,458
Atlanta, Georgia
![Atlanta skyline Georgia USA Atlanta skyline Georgia USA](https://api.time.com/wp-content/uploads/2015/08/atlanta-skyline.jpg?quality=75&w=2400)
Estimated cost of annual necessities: $63,888
Estimated cost of monthly necessities: $5,324
St. Louis, Missouri
![Gateway Arch Gateway Arch](https://api.time.com/wp-content/uploads/2015/08/st-louis-skyline.jpg?quality=75&w=2400)
Estimated cost of annual necessities: $63,100
Estimated cost of monthly necessities: $5,258
Dallas, Texas
![America's Ninth Largest City Ahead Of GDP Figures America's Ninth Largest City Ahead Of GDP Figures](https://api.time.com/wp-content/uploads/2015/08/dallas-skyline.jpg?quality=75&w=2400)
Estimated cost of annual necessities: $61,150
Estimated cost of monthly necessities: $5,096
Cleveland, Ohio
![Cleveland Cityscapes And City Views Cleveland Cityscapes And City Views](https://api.time.com/wp-content/uploads/2015/08/cleveland-skyline.jpg?quality=75&w=2400)
Estimated cost of annual necessities: $60,900
Estimated cost of monthly necessities: $5,075
Houston, Texas
![Houston Scenics Houston Scenics](https://api.time.com/wp-content/uploads/2015/08/houston-skyline.jpg?quality=75&w=2400)
Estimated cost of annual necessities: $60,608
Estimated cost of monthly necessities: $5,051
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