2024在美国大城市舒适生活，收入要多高？(单身 vs 带娃) 你挣够了吗？

省钱君 3903 浏览 03-11 发布

理财专家对于可持续的舒适生活的预算建议是“50/30/20”，即工资收入的50%用于必需开销，例如住房、水电、食品、交通等；30%用于娱乐和爱好等个人需求；剩下20%用于偿还债务、储蓄或投资。

个人理财网站SmartAsset将各地的必需开支和税务成本按50/30/20预算规则，计算出在美国99个主要城市里舒适生活，分别需要挣到多少钱的税前收入。

在美国舒适生活要挣多少钱？

平均而言，在美国大城市舒适生活，单身要赚够$96,500才行。这个收入水平包括了偿还债务和投资未来的能力。而对于两大两小的四人家庭来说，平均总收入要达到$235,000才能没有生活压力。
在这六个城市，家庭年收入超过30万才能轻松养得起两个孩子。分别是旧金山（$339,123）、圣何塞（$334,547）、波士顿（$319,738）、弗吉尼亚州阿灵顿（$318,573）、纽约NYC（$318,406）和加州奥克兰（$316,243）。
在纽约，单身需要挣最多的钱才能过得舒适。纽约的单身人士需要时薪$66.62/年薪$138,570才能过得轻松舒服，这里的生活必需开支预计约$70,000。

【以下排名以单身所需年薪从低到高排行】

在美国大城市舒适生活的最低工资
排名	城市	单身所需年薪	2成人2小孩家庭所需年薪
1	Houston, TX	$75,088	$175,219
2	El Paso, TX	$75,254	$180,461
3	Lubbock, TX	$75,379	$181,043
4	Toledo, OH	$77,501	$208,416
5	Laredo, TX	$78,458	$179,046
6	Milwaukee, WI	$79,664	$237,952
7	Lexington, KY	$79,997	$196,102
8	Tulsa, OK	$81,078	$199,430
9	Wichita, KS	$81,203	$186,784
10	Cleveland, OH	$81,786	$217,984
11	New Orleans, LA	$81,869	$191,942
11	Denver, CO	$81,869	$194,605
11	Winston-Salem, NC	$81,869	$194,605
14	Lincoln, NE	$82,077	$218,899
15	Cincinnati, OH	$82,243	$213,574
16	Corpus Christi, TX	$82,493	$192,275
17	Oklahoma City, OK	$82,659	$201,594
17	Spokane, WA	$82,659	$216,986
19	Albuquerque, NM	$83,283	$207,251
20	Tucson, AZ	$83,699	$215,072
21	Fort Wayne, IN	$84,032	$200,262
22	Detroit, MI	$84,947	$219,898
23	Baltimore, MD	$84,989	$218,733
24	Indianapolis, IN	$85,030	$206,003
25	San Antonio, TX	$85,072	$200,762
26	Memphis, TN	$85,696	$194,106
27	Norfolk, VA	$86,486	$200,595
28	Louisville, KY	$86,570	$201,926
28	Omaha, NE	$86,570	$223,891
30	Greensboro, NC	$87,110	$203,674
31	Columbus, OH	$87,194	$219,814
32	St. Paul, MN	$87,360	$256,589
33	Pittsburgh, PA	$87,901	$222,560
34	Buffalo, NY	$87,942	$233,958
35	Madison, WI	$88,941	$245,690
36	Bakersfield, CA	$89,190	$218,150
37	St. Louis, MO	$89,357	$231,379
38	Boise, ID	$90,064	$225,472
39	Kansas City, MO	$90,272	$213,325
40	Port St. Lucie, FL	$91,312	$205,587
41	Jacksonville, FL	$91,686	$208,666
42	Dallas, TX	$91,770	$208,000
42	Plano, TX	$91,770	$208,000
42	Irving, TX	$91,770	$208,000
42	Garland, TX	$91,770	$208,000
46	Reno, NV	$92,061	$242,611
47	Philadelphia, PA	$92,726	$231,379
48	Fresno, CA	$93,101	$222,893
49	Minneapolis, MN	$93,558	$261,914
50	Anchorage, AK	$93,933	$243,776
51	Tampa, FL	$94,432	$209,498
51	St. Petersburg, FL	$94,432	$209,498
51	Las Vegas, NV	$94,432	$239,366
51	Henderson, NV	$94,432	$239,366
51	North Las Vegas, NV	$94,432	$239,366
51	Enterprise, NV	$94,432	$239,366
57	Fort Worth, TX	$94,765	$214,490
57	Arlington, TX	$94,765	$214,490
59	Colorado Springs, CO	$95,805	$253,011
60	Stockton, CA	$97,635	$240,698
61	Chesapeake, VA	$98,176	$221,312
62	Chicago, IL	$98,550	$241,280
63	Durham, NC	$99,050	$233,043
64	Washington, DC	$99,424	$275,642
65	Austin, TX	$99,757	$223,891
65	Nashville, TN	$99,757	$223,891
67	Virginia Beach, VA	$100,131	$226,886
68	Orlando, FL	$100,298	$212,160
69	Miami, FL	$100,922	$215,904
70	Charlotte, NC	$101,338	$235,123
71	Phoenix, AZ	$102,710	$238,451
71	Mesa, AZ	$102,710	$238,451
71	Chandler, AZ	$102,710	$238,451
71	Scottsdale, AZ	$102,710	$238,451
75	Raleigh, NC	$102,752	$235,872
75	Gilbert town, AZ	$102,752	$239,366
75	Glendale, AZ	$102,752	$239,366
78	Sacramento, CA	$104,790	$253,344
79	Atlanta, GA	$107,453	$230,880
80	Riverside, CA	$109,408	$250,682
81	Portland, OR	$110,032	$289,786
82	Aurora, CO	$110,115	$280,467
83	Los Angeles, CA	$110,781	$276,557
84	Honolulu, HI	$111,904	$299,520
85	Long Beach, CA	$114,691	$280,218
85	Anaheim, CA	$114,691	$280,218
87	Newark, NJ	$116,646	$285,043
87	Jersey, NJ	$116,646	$285,043
89	Arlington, VA	$117,686	$318,573
90	Oakland, CA	$118,768	$316,243
91	Seattle, WA	$119,392	$283,712
92	San Francisco, CA	$119,558	$339,123
93	San Diego, CA	$122,803	$289,453
93	Chula Vista, CA	$122,803	$289,453
95	Boston, MA	$124,966	$319,738
96	Irvine, CA	$126,797	$291,450
96	Santa Ana, CA	$126,797	$291,450
98	San Jose, CA	$136,739	$334,547
99	New York City, NY	$138,570	$318,406