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How Much It Costs for a Family to Live in 20 Major U.S. Cities

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 Scenics
Scott Halleran—Getty Images

Houston, Texas

Estimated cost of annual necessities: $60,608

Estimated cost of monthly necessities: $5,051

Cleveland Cityscapes And City Views
Raymond Boyd—Getty Images

Cleveland, Ohio

Estimated cost of annual necessities: $60,900

Estimated cost of monthly necessities: $5,075

America's Ninth Largest City Ahead Of GDP Figures
Bloomberg/Getty Images

Dallas, Texas

Estimated cost of annual necessities: $61,150

Estimated cost of monthly necessities: $5,096

Gateway Arch
G. Sioen—De Agostini/Getty Images

St. Louis, Missouri

Estimated cost of annual necessities: $63,100

Estimated cost of monthly necessities: $5,258

Atlanta skyline Georgia USA
Ullstein Bild/Getty Images

Atlanta, Georgia

Estimated cost of annual necessities: $63,888

Estimated cost of monthly necessities: $5,324

Democratic National Convention Committee Unveils Stage For DNC
Streeter Lecka—Getty Images

Charlotte, North Carolina

Estimated cost of annual necessities: $65,492

Estimated cost of monthly necessities: $5,458

Skyline
Santi Visalli—Getty Images

Portland, Oregon

Estimated cost of annual necessities: $67,802

Estimated cost of monthly necessities: $5,650

U.S. Travel, Tourism Exports In 2012 Reach $168 Billion
Bloomberg/Getty Images

Miami, Florida

Estimated cost of annual necessities: $68,503

Estimated cost of monthly necessities: $5,709

sacramento-capital-building
George Rose—Getty Images

Sacramento, California

Estimated cost of annual necessities: $69,296

Estimated cost of monthly necessities: $5,775

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)
Helen H. Richardson—The Denver Post/Getty Images

Denver, Colorado

Estimated cost of annual necessities: $71,104

Estimated cost of monthly necessities: $5,925

Chicago Cityscapes And City Views
Raymond Boyd—Getty Images

Chicago, Illinois

Estimated cost of annual necessities: $71,995

Estimated cost of monthly necessities: $6,000

Space Needle
G. Sioen—De Agostini/Getty Images

Seattle, Washington

Estimated cost of annual necessities: $72,274

Estimated cost of monthly necessities: $6,023

Culture
Siqui Sanchez—Getty Images

Los Angeles, California

Estimated cost of annual necessities: $73,887

Estimated cost of monthly necessities: $6,157

Scenic San Diego skyline, sailboat and waterfront, Pacific Ocean at sunset, California
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San Diego, California

Estimated cost of annual necessities: $74,425

Estimated cost of monthly necessities: $6,202

US Coast Guard sailing ship Eagle departs Baltimore harbor, Maryland
Education Images/UIG/Getty Images

Baltimore, Maryland

Estimated cost of annual necessities: $74,427

Estimated cost of monthly necessities: $6,202

Views Of Pennsylvania's Largest City
Bloomberg/Getty Images

Philadelphia, Pennsylvania

Estimated cost of annual necessities: $76,393

Estimated cost of monthly necessities: $6,366

Colorful docked sailboats and Boston Skyline in winter on half frozen Charles River, Massachusetts
Education Images/UIG/Getty Images

Boston, Massachusetts

Estimated cost of annual necessities: $85,793

Estimated cost of monthly necessities: $7,149

Residential Real Estate As City Becomes The Least Affordable U.S. Housing Market
Bloomberg/Getty Images

San Francisco, California

Estimated cost of annual necessities: $91,785

Estimated cost of monthly necessities: $7,649

NY Skyline, Freedom Tower
Education Images/UIG/Getty Images

New York, New York

Estimated cost of annual necessities: $98,722

Estimated cost of monthly necessities: $8,227

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