Do you earn enough to settle down in the swankiest parts of America?
A 2017 GOBankingRates report that determined what it costs to live in the most expensive ZIP codes across the country will help you find out.
The site looked at the cost of living in each ZIP code, factoring in median home values and necessities such as groceries, utilities, transportation and health care. From there, it applied the “50-30-20 rule” of personal finance — meaning 50 percent of income goes to necessities, 30 percent towards discretionary spending and 20 percent towards saving — to calculate the recommended annual income.
“Many ZIP codes require some serious paychecks to live there,” GOBankingRates reports, “while others only require an income slightly above the household median [$55,775].”
Note that these numbers are suggestions based on the available data and assume a substantial amount of saving.
Here’s the suggested take-home income required to live in the most expensive ZIP codes in 48 states and the District of Columbia (there wasn’t sufficient data to include Maine and South Dakota), plus the estimated annual cost of necessities.
Most expensive ZIP code: 36564 (part of Fairhope, AL)
Total annual necessities: $49,928
Total income needed: $99,856
Most expensive ZIP code: 99516 (part of Anchorage, AK)
Total annual necessities: $49,509
Total income needed: $99,017
Most expensive ZIP code: 85253 (part of Paradise Valley, AZ)
Total annual necessities: $89,383
Total income needed: $178,766
Most expensive ZIP code: 72223 (part of Little Rock, AR)
Total annual necessities: $37,762
Total income needed: $75,524
Most expensive ZIP code: 94027 (part of Atherton, CA)
Total annual necessities: $334,039
Total income needed: $668,078
Most expensive ZIP code: 81657 (part of Vail, CO)
Total annual necessities: $69,266
Total income needed: $138,533
Most expensive ZIP code: 06830 (part of Greenwich, CT)
Total annual necessities: $111,001
Total income needed: $222,002
Most expensive ZIP code: 19807 (part of Wilmington, DE)
Total annual necessities: $61,956
Total income needed: $123,913
Most expensive ZIP code: 20015 (part of Washington, D.C.)
Total annual necessities: $75,939
Total income needed: $151,878
Most expensive ZIP code: 33921 (part of Boca Grande, FL)
Total annual necessities: $88,737
Total income needed: $177,474
Most expensive ZIP code: 30327 (part of Atlanta, GA)
Total annual necessities: $71,838
Total income needed: $143,676
Most expensive ZIP code: 96821 (part of Honolulu, HI)
Total annual necessities: $101,399
Total income needed: $202,798
Most expensive ZIP code: 83616 (part of Eagle, ID)
Total annual necessities: $39,654
Total income needed: $79,307
Most expensive ZIP code: 60043 (part of Kenilworth, IL)
Total annual necessities: $91,892
Total income needed: $183,784
Most expensive ZIP code: 46077 (part of Zionsville, IN)
Total annual necessities: $38,414
Total income needed: $76,828
Most expensive ZIP code: 50323 (part of Urbandale, IA)
Total annual necessities: $37,273
Total income needed: $74,546
Most expensive ZIP code: 66224 (part of Leawood, KS)
Total annual necessities: $45,340
Total income needed: $90,680
Most expensive ZIP code: 40059 (part of Prospect KY)
Total annual necessities: $38,990
Total income needed: $77,980
Most expensive ZIP code: 70115 (part of New Orleans, LA)
Total annual necessities: $46,100
Total income needed: $92,200
Most expensive ZIP code: 20816 (part of Bethesda, MD)
Total annual necessities: $72,638
Total income needed: $145,276
Most expensive ZIP code: 02493 (part of Weston, MA)
Total annual necessities: $100,862
Total income needed: $201,724
Most expensive ZIP code: 48302 (part of Bloomfield Hills, MI)
Total annual necessities: $46,563
Total income needed: $93,126
Most expensive ZIP code: 55424 (part of Edina, MN)
Total annual necessities: $58,588
Total income needed: $117,176
Most expensive ZIP code: 39110 (part of Madison, MS)
Total annual necessities: $33,471
Total income needed: $66,941
Most expensive ZIP code: 63124 (part of Ladue, MO)
Total annual necessities: $63,415
Total income needed: $126,830
Most expensive ZIP code: 59106 (part of Billings, MT)
Total annual necessities: $37,642
Total income needed: $75,284
Most expensive ZIP code: 68526 (part of Lincoln, NE)
Total annual necessities: $40,382
Total income needed: $80,764
Most expensive ZIP code: 89411 (part of Genoa, NV)
Total annual necessities: $62,427
Total income needed: $124,854
Most expensive ZIP code: 03870 (part of Rye, NH)
Total annual necessities: $62,860
Total income needed: $125,720
Most expensive ZIP code: 07620 (part of Alpine, NJ)
Total annual necessities: $165,378
Total income needed: $330,756
Most expensive ZIP code: 87506 (part of Santa Fe, NM)
Total annual necessities: $53,990
Total income needed: $107,980
Most expensive ZIP code: 11976 (part of Water Mill, NY)
Total annual necessities: $219,255
Total income needed: $438,510
Most expensive ZIP code: 28480 (part of Wrightsville Beach, NC)
Total annual necessities: $68,115
Total income needed: $136,230
Most expensive ZIP code: 58503 (part of Bismarck, ND)
Total annual necessities: $38,981
Total income needed: $77,963
Most expensive ZIP code: 45174 (part of Terrace Park, OH)
Total annual necessities: $45,838
Total income needed: $91,676
Most expensive ZIP code: 74137 (part of Tulsa, OK)
Total annual necessities: $36,529
Total income needed: $73,059
Most expensive ZIP code: 97210 (part of Portland, OR)
Total annual necessities: $66,379
Total income needed: $132,757
Most expensive ZIP code: 19035 (part of Lower Merion Township, PA)
Total annual necessities: $69,822
Total income needed: $139,644
Most expensive ZIP code: 02807 (part of New Shoreham, RI)
Total annual necessities: $78,008
Total income needed: $156,016
Most expensive ZIP code: 29915 (part of Bluffton, SC)
Total annual necessities: $47,323
Total income needed: $94,646
Most expensive ZIP code: 37215 (part of Nashville, TN)
Total annual necessities: $53,054
Total income needed: $106,108
Most expensive ZIP code: 75205 (part of University Park, TX)
Total annual necessities: $93,491
Total income needed: $186,982
Most expensive ZIP code: 84060 (part of Park City, UT)
Total annual necessities: $68,064
Total income needed: $136,128
Most expensive ZIP code: 05445 (part of Charlotte, VT)
Total annual necessities: $49,740
Total income needed: $99,480
Most expensive ZIP code: 22066 (part of Great Falls, VA)
Total annual necessities: $77,834
Total income needed: $155,667
Most expensive ZIP code: 98039 (part of Medina, WA)
Total annual necessities: $148,953
Total income needed: $297,906
Most expensive ZIP code: 25314 (part of Charleston, WV)
Total annual necessities: $30,550
Total income needed: $61,100
Most expensive ZIP code: 53726 (part of Madison, WI)
Total annual necessities: $49,069
Total income needed: $98,138
Most expensive ZIP code: 82009 (part of Cheyenne, WY)
Total annual necessities: $34,259
Total income needed: $68,517
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Here's what you need to make to live in the most expensive US ZIP codes