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Monthly cost in America

Pick a city and a household. The figures come from government and public sources, linked below.

Household
Home
Food
Getting around
Health insurance
Childcare
Monthly total$0
    Yearly salary needed to cover this$0before tax, the figure on an offer letter

    How it is worked out

    • Rent is HUD's Fair Market Rent for the whole metro area (FY2027). It includes utilities except phone and internet. HUD sets it near the 40th percentile, so many areas cost more, some less.
    • Food is USDA's monthly food plan for groceries cooked at home, adjusted for household size. Eating out is not included.
    • Health insurance is the average benchmark silver plan for a 40-year-old, before any subsidy, per adult. Children's cover is not included. Many people pay much less after a subsidy or through a job.
    • A car is AAA's average cost of owning a new car: payment, insurance, fuel, maintenance and depreciation. An older car costs less. Public transport is a monthly pass per adult; for New York and Los Angeles it is the weekly fare cap times 52, divided by 12.
    • The salary is the gross yearly pay one earner would need so that, after federal tax, Social Security, Medicare and state income tax, the monthly total is left. It uses the standard deduction only. Child tax credits, other deductions, city income taxes (New York, Detroit, Philadelphia and others) and state payroll taxes are left out.
    • Phone, internet, clothes, savings and money sent home are not included.

    Sources

    An estimateThis is a rough guide from public averages, not financial or tax advice. Your own costs and taxes will differ.