City life is expensive. If you're considering settling down in San Francisco, for example, you'll have to earn six figures to live comfortably.
That's according to a 2017 GOBankingRates report, which determined just how much you need to earn each year to get by with a minimum of stress in the biggest U.S. cities.
The site looked at the cost of living for a single person in each city, factoring in the median rent for a one-bedroom apartment, groceries, utilities, transportation and health care. From there, it applied the "50-30-20 rule" of personal finance — meaning 50% of income goes to necessities, 30% towards discretionary spending and 20% towards saving — to calculate the recommended annual income.
Note that these numbers are suggestions based on the available data for one-person households and assume a substantial amount of saving.
Here's the suggested take-home income for the 25 biggest U.S. cities, plus the estimated annual cost of necessities, discretionary spending and optimum savings.
El Paso, Texas
Estimated cost of annual necessities: $20,197
Suggested annual discretionary spending: $12,118
Suggested annual savings: $8,079
Suggested annual take-home income: $40,393