Here’s How Long $10,000 in Emergency Savings Lasts in Every State

The common benchmark for emergency savings is between three to six months of your monthly expenses. And with the average income, $10,000 might look like a lot, especially if it covers your three months’ worth of living expenses. But how much is it really? How long will it actually last you?

In this study, GOBankingRates analyzed how long $10,000 will last you in every state, compiling data for duration with and without necessities, so you have an extensive picture of what this amount can do for you in your state of residence.

Of course, how far your $10,000 will stretch depends on what you’re paying for — the research found that it will last an average of just one month and some days covering all your expenditures in high-cost states, lasting the least number of days in Hawaii, California and Massachusetts.

But in lower-cost states and used only for necessities, it spans across over four months, lasting longest in West Virginia — five months and five days — followed by Oklahoma, Alabama and Arkansas.

There is no state in which $10,000 is enough to cover even the basic necessities for a full six months.

• Number of years $10,000 emergency savings would last overall: 0.22
• Days: 79.66
• Years, months and days: 0 years, 2 months, 19 days

• Number of years $10,000 emergency savings would last (necessities only): 0.42
• Days: 151.65
• Years, months and days: 0 years, 4 months, 30 days

• Total annual expenditures: $45,850
• Annual necessities only: $24,083
• Annual groceries expenditures: $3,963
• Annual housing expenditures: $8,492
• Annual utilities expenditures: $3,497
• Annual transportation expenditures: $4,568
• Annual healthcare expenditures: $3,563

• Number of years $10,000 emergency savings would last overall: 0.15
• Days: 56.10
• Years, months and days: 0 years, 1 month, 25 days

• Number of years $10,000 emergency savings would last (necessities only): 0.27
• Days: 98.11
• Years, months and days: 0 years, 3 months, 7 days

• Total annual expenditures: $65,106
• Annual necessities only: $37,231
• Annual groceries expenditures: $5,162
• Annual housing expenditures: $14,781
• Annual utilities expenditures: $5,171
• Annual transportation expenditures: $5,861
• Annual healthcare expenditures: $6,267

• Number of years $10,000 emergency savings would last overall: 0.17
• Days: 63.52
• Years, months and days: 0 years, 2 months, 3 days

• Number of years $10,000 emergency savings would last (necessities only): 0.31
• Days: 112.46
• Years, months and days: 0 years, 3 months, 21 days

• Total annual expenditures: $57,508
• Annual necessities only: $32,476
• Annual groceries expenditures: $4,163
• Annual housing expenditures: $15,723
• Annual utilities expenditures: $3,511
• Annual transportation expenditures: $5,254
• Annual healthcare expenditures: $3,825

• Number of years $10,000 emergency savings would last overall: 0.22
• Days: 79.30
• Years, months and days: 0 years, 2 months, 19 days

• Number of years $10,000 emergency savings would last (necessities only): 0.41
• Days: 150.85
• Years, months and days: 0 years, 4 months, 29 days

• Total annual expenditures: $46,058
• Annual necessities only: $24,214
• Annual groceries expenditures: $3,877
• Annual housing expenditures: $9,165
• Annual utilities expenditures: $3,150
• Annual transportation expenditures: $4,418
• Annual healthcare expenditures: $3,604

• Number of years $10,000 emergency savings would last overall: 0.13
• Days: 48.40
• Years, months and days: 0 years, 1 month, 17 days

• Number of years $10,000 emergency savings would last (necessities only): 0.22
• Days: 78.78
• Years, months and days: 0 years, 2 months, 18 days

• Total annual expenditures: $75,462
• Annual necessities only: $46,355
• Annual groceries expenditures: $4,583
• Annual housing expenditures: $25,659
• Annual utilities expenditures: $4,716
• Annual transportation expenditures: $7,078
• Annual healthcare expenditures: $4,319

• Number of years $10,000 emergency savings would last overall: 0.19
• Days: 68.96
• Years, months and days: 0 years, 2 months, 8 days

• Number of years $10,000 emergency savings would last (necessities only): 0.34
• Days: 123.93
• Years, months and days: 0 years, 4 months, 2 days

• Total annual expenditures: $52,980
• Annual necessities only: $29,472
• Annual groceries expenditures: $4,097
• Annual housing expenditures: $13,239
• Annual utilities expenditures: $3,136
• Annual transportation expenditures: $4,688
• Annual healthcare expenditures: $4,311

• Number of years $10,000 emergency savings would last overall: 0.17
• Days: 61.98
• Years, months and days: 0 years, 2 months, 1 day

• Number of years $10,000 emergency savings would last (necessities only): 0.30
• Days: 110.67
• Years, months and days: 0 years, 3 months, 19 days

• Total annual expenditures: $58,913
• Annual necessities only: $33,002
• Annual groceries expenditures: $4,163
• Annual housing expenditures: $14,414
• Annual utilities expenditures: $4,649
• Annual transportation expenditures: $5,390
• Annual healthcare expenditures: $4,388

• Number of years $10,000 emergency savings would last overall: 0.19
• Days: 69.54
• Years, months and days: 0 years, 2 months, 9 days

• Number of years $10,000 emergency savings would last (necessities only): 0.35
• Days: 127
• Years, months and days: 0 years, 4 months, 5 days

• Total annual expenditures: $52,511
• Annual necessities only: $28,757
• Annual groceries expenditures: $4,159
• Annual housing expenditures: $11,869
• Annual utilities expenditures: $3,400
• Annual transportation expenditures: $5,174
• Annual healthcare expenditures: $4,155

• Number of years $10,000 emergency savings would last overall: 0.19
• Days: 68.08
• Years, months and days: 0 years, 2 months, 8 days

• Number of years $10,000 emergency savings would last (necessities only): 0.33
• Days: 120.20
• Years, months and days: 0 years, 3 months, 29 days

• Total annual expenditures: $53,656
• Annual necessities only: $30,389
• Annual groceries expenditures: $4,273
• Annual housing expenditures: $13,264
• Annual utilities expenditures: $3,678
• Annual transportation expenditures: $5,064
• Annual healthcare expenditures: $4,111

• Number of years $10,000 emergency savings would last overall: 0.21
• Days: 76.89
• Years, months and days: 0 years, 2 months, 16 days

• Number of years $10,000 emergency savings would last (necessities only): 0.38
• Days: 140.58
• Years, months and days: 0 years, 4 months, 19 days

• Total annual expenditures: $47,515
• Annual necessities only: $25,980
• Annual groceries expenditures: $3,987
• Annual housing expenditures: $9,752
• Annual utilities expenditures: $3,265
• Annual transportation expenditures: $4,894
• Annual healthcare expenditures: $4,082

• Number of years $10,000 emergency savings would last overall: 0.10
• Days: 37.69
• Years, months and days: 0 years, 1 month, 6 days

• Number of years $10,000 emergency savings would last (necessities only): 0.16
• Days: 59.43
• Years, months and days: 0 years, 1 month, 28 days

• Total annual expenditures: $96,904
• Annual necessities only: $61,451
• Annual groceries expenditures: $5,065
• Annual housing expenditures: $38,323
• Annual utilities expenditures: $6,126
• Annual transportation expenditures: $6,952
• Annual healthcare expenditures: $4,985

• Number of years $10,000 emergency savings would last overall: 0.19
• Days: 69.43
• Years, months and days: 0 years, 2 months, 9 days

• Number of years $10,000 emergency savings would last (necessities only): 0.35
• Days: 126.92
• Years, months and days: 0 years, 4 months, 5 days

• Total annual expenditures: $52,615
• Annual necessities only: $28,777
• Annual groceries expenditures: $4,224
• Annual housing expenditures: $12,346
• Annual utilities expenditures: $2,723
• Annual transportation expenditures: $5,500
• Annual healthcare expenditures: $3,984

• Number of years $10,000 emergency savings would last overall: 0.21
• Days: 75.20
• Years, months and days: 0 years, 2 months, 15 days

• Number of years $10,000 emergency savings would last (necessities only): 0.38
• Days: 138.28
• Years, months and days: 0 years, 4 months, 17 days

• Total annual expenditures: $48,556
• Annual necessities only: $26,414
• Annual groceries expenditures: $3,987
• Annual housing expenditures: $10,058
• Annual utilities expenditures: $3,404
• Annual transportation expenditures: $4,884
• Annual healthcare expenditures: $4,082

• Number of years $10,000 emergency savings would last overall: 0.21
• Days: 77.73
• Years, months and days: 0 years, 2 months, 17 days

• Number of years $10,000 emergency savings would last (necessities only): 0.39
• Days: 143.98
• Years, months and days: 0 years, 4 months, 22 days

• Total annual expenditures: $46,995
• Annual necessities only: $25,366
• Annual groceries expenditures: $3,983
• Annual housing expenditures: $9,520
• Annual utilities expenditures: $3,140
• Annual transportation expenditures: $4,749
• Annual healthcare expenditures: $3,976

• Number of years $10,000 emergency savings would last overall: 0.21
• Days: 77.91
• Years, months and days: 0 years, 2 months, 17 days

• Number of years $10,000 emergency savings would last (necessities only): 0.40
• Days: 145.11
• Years, months and days: 0 years, 4 months, 24 days

• Total annual expenditures: $46,891
• Annual necessities only: $25,171
• Annual groceries expenditures: $3,946
• Annual housing expenditures: $9,189
• Annual utilities expenditures: $3,247
• Annual transportation expenditures: $4,854
• Annual healthcare expenditures: $3,935

• Number of years $10,000 emergency savings would last overall: 0.22
• Days: 80.39
• Years, months and days: 0 years, 2 months, 20 days

• Number of years $10,000 emergency savings would last (necessities only): 0.40
• Days: 147.56
• Years, months and days: 0 years, 4 months, 26 days

• Total annual expenditures: $45,434
• Annual necessities only: $24,755
• Annual groceries expenditures: $3,901
• Annual housing expenditures: $9,116
• Annual utilities expenditures: $3,341
• Annual transportation expenditures: $4,368
• Annual healthcare expenditures: $4,029

• Number of years $10,000 emergency savings would last overall: 0.21
• Days: 75.79
• Years, months and days: 0 years, 2 months, 15 days

• Number of years $10,000 emergency savings would last (necessities only): 0.39
• Days: 141.64
• Years, months and days: 0 years, 4 months, 20 days

• Total annual expenditures: $48,192
• Annual necessities only: $25,790
• Annual groceries expenditures: $4,069
• Annual housing expenditures: $9,569
• Annual utilities expenditures: $3,025
• Annual transportation expenditures: $4,764
• Annual healthcare expenditures: $4,364

• Number of years $10,000 emergency savings would last overall: 0.21
• Days: 76.19
• Years, months and days: 0 years, 2 months, 16 days

• Number of years $10,000 emergency savings would last (necessities only): 0.39
• Days: 142.30
• Years, months and days: 0 years, 4 months, 21 days

• Total annual expenditures: $47,932
• Annual necessities only: $25,669
• Annual groceries expenditures: $3,910
• Annual housing expenditures: $10,352
• Annual utilities expenditures: $2,768
• Annual transportation expenditures: $4,779
• Annual healthcare expenditures: $3,861

• Number of years $10,000 emergency savings would last overall: 0.17
• Days: 63.04
• Years, months and days: 0 years, 2 months, 3 days

• Number of years $10,000 emergency savings would last (necessities only): 0.30
• Days: 110.23
• Years, months and days: 0 years, 3 months, 19 days

• Total annual expenditures: $57,924
• Annual necessities only: $33,132
• Annual groceries expenditures: $4,110
• Annual housing expenditures: $14,916
• Annual utilities expenditures: $3,852
• Annual transportation expenditures: $5,560
• Annual healthcare expenditures: $4,695

• Number of years $10,000 emergency savings would last overall: 0.17
• Days: 60.41
• Years, months and days: 0 years, 1 month, 29 days

• Number of years $10,000 emergency savings would last (necessities only): 0.29
• Days: 105.01
• Years, months and days: 0 years, 3 months, 14 days

• Total annual expenditures: $60,474
• Annual necessities only: $34,777
• Annual groceries expenditures: $4,289
• Annual housing expenditures: $17,326
• Annual utilities expenditures: $3,803
• Annual transportation expenditures: $5,244
• Annual healthcare expenditures: $4,115

• Number of years $10,000 emergency savings would last overall: 0.13
• Days: 48.65
• Years, months and days: 0 years, 1 month, 17 days

• Number of years $10,000 emergency savings would last (necessities only): 0.22
• Days: 79.04
• Years, months and days: 0 years, 2 months, 19 days

• Total annual expenditures: $75,098
• Annual necessities only: $46,208
• Annual groceries expenditures: $4,244
• Annual housing expenditures: $26,038
• Annual utilities expenditures: $5,175
• Annual transportation expenditures: $5,700
• Annual healthcare expenditures: $5,050

• Number of years $10,000 emergency savings would last overall: 0.21
• Days: 76.45
• Years, months and days: 0 years, 2 months, 16 days

• Number of years $10,000 emergency savings would last (necessities only): 0.39
• Days: 143.58
• Years, months and days: 0 years, 4 months, 22 days

• Total annual expenditures: $47,775
• Annual necessities only: $25,440
• Annual groceries expenditures: $4,012
• Annual housing expenditures: $9,422
• Annual utilities expenditures: $3,369
• Annual transportation expenditures: $4,924
• Annual healthcare expenditures: $3,714

• Number of years $10,000 emergency savings would last overall: 0.20
• Days: 74.04
• Years, months and days: 0 years, 2 months, 14 days

• Number of years $10,000 emergency savings would last (necessities only): 0.38
• Days: 137.48
• Years, months and days: 0 years, 4 months, 16 days

• Total annual expenditures: $49,337
• Annual necessities only: $26,567
• Annual groceries expenditures: $4,175
• Annual housing expenditures: $9,972
• Annual utilities expenditures: $3,358
• Annual transportation expenditures: $4,718
• Annual healthcare expenditures: $4,343

• Number of years $10,000 emergency savings would last overall: 0.22
• Days: 79.48
• Years, months and days: 0 years, 2 months, 19 days

• Number of years $10,000 emergency savings would last (necessities only): 0.40
• Days: 146.79
• Years, months and days: 0 years, 4 months, 25 days

• Total annual expenditures: $45,954
• Annual necessities only: $24,881
• Annual groceries expenditures: $3,922
• Annual housing expenditures: $9,201
• Annual utilities expenditures: $3,150
• Annual transportation expenditures: $4,493
• Annual healthcare expenditures: $4,115

• Number of years $10,000 emergency savings would last overall: 0.21
• Days: 79.30
• Years, months and days: 0 years, 2 months, 19 days

• Number of years $10,000 emergency savings would last (necessities only): 0.40
• Days: 147.52
• Years, months and days: 0 years, 4 months, 26 days

• Total annual expenditures: $46,058
• Annual necessities only: $24,760
• Annual groceries expenditures: $3,897
• Annual housing expenditures: $9,507
• Annual utilities expenditures: $3,421
• Annual transportation expenditures: $4,208
• Annual healthcare expenditures: $3,726

• Number of years $10,000 emergency savings would last overall: 0.20
• Days: 74.18
• Years, months and days: 0 years, 2 months, 14 days

• Number of years $10,000 emergency savings would last (necessities only): 0.37
• Days: 134.30
• Years, months and days: 0 years, 4 months, 13 days

• Total annual expenditures: $49,233
• Annual necessities only: $27,193
• Annual groceries expenditures: $4.069
• Annual housing expenditures: $10,376
• Annual utilities expenditures: $2,914
• Annual transportation expenditures: $5,385
• Annual healthcare expenditures: $4,450

• Number of years $10,000 emergency savings would last overall: 0.21
• Days: 75.13
• Years, months and days: 0 years, 2 months, 15 days

• Number of years $10,000 emergency savings would last (necessities only): 0.38
• Days: 140.37
• Years, months and days: 0 years, 4 months, 19 days

• Total annual expenditures: $48,608
• Annual necessities only: $26,003
• Annual groceries expenditures: $4,008
• Annual housing expenditures: $9,874
• Annual utilities expenditures: $3,143
• Annual transportation expenditures: $4,814
• Annual healthcare expenditures: $4,184

• Number of years $10,000 emergency savings would last overall: 0.19
• Days: 68.34
• Years, months and days: 0 years, 2 months, 8 days

• Number of years $10,000 emergency savings would last (necessities only): 0.32
• Days: 118.16
• Years, months and days: 0 years, 3 months, 27 days

• Total annual expenditures: $53,448
• Annual necessities only: $30,909
• Annual groceries expenditures: $4,244
• Annual housing expenditures: $13,337
• Annual utilities expenditures: $3,740
• Annual transportation expenditures: $5,886
• Annual healthcare expenditures: $3,702

• Number of years $10,000 emergency savings would last overall: 0.17
• Days: 61.76
• Years, months and days: 0 years, 2 months, 1 day

• Number of years $10,000 emergency savings would last (necessities only): 0.3
• Days: 114.94
• Years, months and days: 0 years, 3 months, 23 days

• Total annual expenditures: $59,121
• Annual necessities only: $31,775
• Annual groceries expenditures: $4,065
• Annual housing expenditures: $14,255
• Annual utilities expenditures: $3,602
• Annual transportation expenditures: $5,625
• Annual healthcare expenditures: $4,229

• Number of years $10,000 emergency savings would last overall: 0.17
• Days: 61.73
• Years, months and days: 0 years, 2 months, 1 day

• Number of years $10,000 emergency savings would last (necessities only): 0.29
• Days: 107.64
• Years, months and days: 0 years, 3 months, 16 days

• Total annual expenditures: $59,173
• Annual necessities only: $33,937
• Annual groceries expenditures: $4,224
• Annual housing expenditures: $16,592
• Annual utilities expenditures: $3,476
• Annual transportation expenditures: $5,355
• Annual healthcare expenditures: $4,290

• Number of years $10,000 emergency savings would last overall: 0.21
• Days: 74.99
• Years, months and days: 0 years, 2 months, 14 days

• Number of years $10,000 emergency savings would last (necessities only): 0.38
• Days: 138.06
• Years, months and days: 0 years, 4 months, 17 days

• Total annual expenditures: $48,712
• Annual necessities only: $26,454
• Annual groceries expenditures: $3,910
• Annual housing expenditures: $10,780
• Annual utilities expenditures: $3,004
• Annual transportation expenditures: $4,633
• Annual healthcare expenditures: $4,127

• Number of years $10,000 emergency savings would last overall: 0.16
• Days: 57.02
• Years, months and days: 0 years, 1 month, 26 days

• Number of years $10,000 emergency savings would last (necessities only): 0.26
• Days: 96.32
• Years, months and days: 0 years, 3 months, 5 days

• Total annual expenditures: $64,065
• Annual necessities only: $37,929
• Annual groceries expenditures: $4,216
• Annual housing expenditures: $20,336
• Annual utilities expenditures: $3,553
• Annual transportation expenditures: $5,505
• Annual healthcare expenditures: $4,319

• Number of years $10,000 emergency savings would last overall: 0.20
• Days: 71.26
• Years, months and days: 0 years, 2 months, 11 days

• Number of years $10,000 emergency savings would last (necessities only): 0.36
• Days: 130.80
• Years, months and days: 0 years, 4 months, 9 days

• Total annual expenditures: $51,262
• Annual necessities only: $27,923
• Annual groceries expenditures: $4,016
• Annual housing expenditures: $11,367
• Annual utilities expenditures: $3,431
• Annual transportation expenditures: $4,819
• Annual healthcare expenditures: $4,290

• Number of years $10,000 emergency savings would last overall: 0.21
• Days: 75.64
• Years, months and days: 0 years, 2 months, 15 days

• Number of years $10,000 emergency savings would last (necessities only): 0.38
• Days: 139.31
• Years, months and days: 0 years, 4 months, 18 days

• Total annual expenditures: $48,296
• Annual necessities only: $26,221
• Annual groceries expenditures: $3,857
• Annual housing expenditures: $10,058
• Annual utilities expenditures: $2,896
• Annual transportation expenditures: $4,944
• Annual healthcare expenditures: $4,466

• Number of years $10,000 emergency savings would last overall: 0.20
• Days: 74.66
• Years, months and days: 0 years, 2 months, 14 days

• Number of years $10,000 emergency savings would last (necessities only): 0.38
• Days: 137.63
• Years, months and days: 0 years, 4 months, 16 days

• Total annual expenditures: $48,920
• Annual necessities only: $26,542
• Annual groceries expenditures: $4,044
• Annual housing expenditures: $10,278
• Annual utilities expenditures: $3,536
• Annual transportation expenditures: $4,819
• Annual healthcare expenditures: $3,865

• Number of years $10,000 emergency savings would last overall: 0.22
• Days: 81.23
• Years, months and days: 0 years, 2 months, 21 days

• Number of years $10,000 emergency savings would last (necessities only): 0.42
• Days: 151.76
• Years, months and days: 0 years, 4 months, 30 days

• Total annual expenditures: $44,965
• Annual necessities only: $24,066
• Annual groceries expenditures: $3,893
• Annual housing expenditures: $8,431
• Annual utilities expenditures: $3,379
• Annual transportation expenditures: $4,473
• Annual healthcare expenditures: $3,890

• Number of years $10,000 emergency savings would last overall: 0.17
• Days: 61.51
• Years, months and days: 0 years, 2 months, 1 day

• Number of years $10,000 emergency savings would last (necessities only): 0.29
• Days: 105.23
• Years, months and days: 0 years, 3 months, 14 days

• Total annual expenditures: $59,381
• Annual necessities only: $34,710
• Annual groceries expenditures: $4,428
• Annual housing expenditures: $16,519
• Annual utilities expenditures: $3,094
• Annual transportation expenditures: $6,076
• Annual healthcare expenditures: $4,593

• Number of years $10,000 emergency savings would last overall: 0.20
• Days: 73.42
• Years, months and days: 0 years, 2 months, 13 days

• Number of years $10,000 emergency savings would last (necessities only): 0.37
• Days: 134.74
• Years, months and days: 0 years, 4 months, 13 days

• Total annual expenditures: $49,753
• Annual necessities only: $27,105
• Annual groceries expenditures: $4,016
• Annual housing expenditures: $10,498
• Annual utilities expenditures: $3,595
• Annual transportation expenditures: $5,385
• Annual healthcare expenditures: $3,612

• Number of years $10,000 emergency savings would last overall: 0.17
• Days: 61.87
• Years, months and days: 0 years, 2 months, 1 day

• Number of years $10,000 emergency savings would last (necessities only): 0.31
• Days: 112.57
• Years, months and days: 0 years, 3 months, 21 days

• Total annual expenditures: $59,017
• Annual necessities only: $32,440
• Annual groceries expenditures: $4,138
• Annual housing expenditures: $14,120
• Annual utilities expenditures: $4,928
• Annual transportation expenditures: $4,964
• Annual healthcare expenditures: $4,298

• Number of years $10,000 emergency savings would last overall: 0.20
• Days: 71.92
• Years, months and days: 0 years, 2 months, 11 days

• Number of years $10,000 emergency savings would last (necessities only): 0.36
• Days: 132.40
• Years, months and days: 0 years, 4 months, 11 days

• Total annual expenditures: $50,794
• Annual necessities only: $27,584
• Annual groceries expenditures: $4,065
• Annual housing expenditures: $11,098
• Annual utilities expenditures: $3,862
• Annual transportation expenditures: $4,764
• Annual healthcare expenditures: $3,796

• Number of years $10,000 emergency savings would last overall: 0.21
• Days: 75.13
• Years, months and days: 0 years, 2 months, 15 days

• Number of years $10,000 emergency savings would last (necessities only): 0.37
• Days: 135.11
• Years, months and days: 0 years, 4 months, 14 days

• Total annual expenditures: $48,608
• Annual necessities only: $27,038
• Annual groceries expenditures: $3,983
• Annual housing expenditures: $10,780
• Annual utilities expenditures: $2,973
• Annual transportation expenditures: $5,134
• Annual healthcare expenditures: $4,168

• Number of years $10,000 emergency savings would last overall: 0.21
• Days: 77.73
• Years, months and days: 0 years, 2 months, 17 days

• Number of years $10,000 emergency savings would last (necessities only): 0.39
• Days: 144.24
• Years, months and days: 0 years, 4 months, 23 days

• Total annual expenditures: $46,995
• Annual necessities only: $25,320
• Annual groceries expenditures: $3,963
• Annual housing expenditures: $10,131
• Annual utilities expenditures: $3,077
• Annual transportation expenditures: $4,463
• Annual healthcare expenditures: $3,686

• Number of years $10,000 emergency savings would last overall: 0.21
• Days: 75.97
• Years, months and days: 0 years, 2 months, 15 days

• Number of years $10,000 emergency savings would last (necessities only): 0.38
• Days: 139.74
• Years, months and days: 0 years, 4 months, 18 days

• Total annual expenditures: $48,088
• Annual necessities only: $26,140
• Annual groceries expenditures: $3,926
• Annual housing expenditures: $10,046
• Annual utilities expenditures: $3,598
• Annual transportation expenditures: $4,643
• Annual healthcare expenditures: $3,927

• Number of years $10,000 emergency savings would last overall: 0.19
• Days: 68.19
• Years, months and days: 0 years, 2 months, 8 days

• Number of years $10,000 emergency savings would last (necessities only): 0.34
• Days: 123.24
• Years, months and days: 0 years, 4 months, 2 days

• Total annual expenditures: $53,552
• Annual necessities only: $29,635
• Annual groceries expenditures: $4,003
• Annual housing expenditures: $13,692
• Annual utilities expenditures: $3,279
• Annual transportation expenditures: $5,004
• Annual healthcare expenditures: $3,657

• Number of years $10,000 emergency savings would last overall: 0.17
• Days: 61.18
• Years, months and days: 0 years, 2 months, 1 day

• Number of years $10,000 emergency savings would last (necessities only): 0.30
• Days: 108.95
• Years, months and days: 0 years, 3 months, 17 days

• Total annual expenditures: $59,693
• Annual necessities only: $33,524
• Annual groceries expenditures: $4,318
• Annual housing expenditures: $15,760
• Annual utilities expenditures: $3,911
• Annual transportation expenditures: $5,049
• Annual healthcare expenditures: $4,486

• Number of years $10,000 emergency savings would last overall: 0.19
• Days: 69.29
• Years, months and days: 0 years, 2 months, 9 days

• Number of years $10,000 emergency savings would last (necessities only): 0.34
• Days: 123.67
• Years, months and days: 0 years, 4 months, 2 days

• Total annual expenditures: $52,720
• Annual necessities only: $29,530
• Annual groceries expenditures: $4,077
• Annual housing expenditures: $13,093
• Annual utilities expenditures: $3,470
• Annual transportation expenditures: $4,723
• Annual healthcare expenditures: $4,168

• Number of years $10,000 emergency savings would last overall: 0.17
• Days: 60.96
• Years, months and days: 0 years, 1 month, 29 days

• Number of years $10,000 emergency savings would last (necessities only): 0.29
• Days: 106.36
• Years, months and days: 0 years, 3 months, 15 days

• Total annual expenditures: $59,901
• Annual necessities only: $34,339
• Annual groceries expenditures: $4,420
• Annual housing expenditures: $15,564
• Annual utilities expenditures: $3,171
• Annual transportation expenditures: $6,366
• Annual healthcare expenditures: $4,817

• Number of years $10,000 emergency savings would last overall: 0.23
• Days: 83.75
• Years, months and days: 0 years, 2 months, 23 days

• Number of years $10,000 emergency savings would last (necessities only): 0.43
• Days: 157.71
• Years, months and days: 0 years, 5 months, 5 days

• Total annual expenditures: $43,612
• Annual necessities only: $23,158
• Annual groceries expenditures: $4,065
• Annual housing expenditures: $7,023
• Annual utilities expenditures: $3,282
• Annual transportation expenditures: $4,648
• Annual healthcare expenditures: $4,139

• Number of years $10,000 emergency savings would last overall: 0.20
• Days: 72.36
• Years, months and days: 0 years, 2 months, 12 days

• Number of years $10,000 emergency savings would last (necessities only): 0.36
• Days: 132.04
• Years, months and days: 0 years, 4 months, 11 days

• Total annual expenditures: $50,482
• Annual necessities only: $27,659
• Annual groceries expenditures: $4,008
• Annual housing expenditures: $11,135
• Annual utilities expenditures: $3,400
• Annual transportation expenditures: $4,638
• Annual healthcare expenditures: $4,478

• Number of years $10,000 emergency savings would last overall: 0.20
• Days: 73.78
• Years, months and days: 0 years, 2 months, 13 days

• Number of years $10,000 emergency savings would last (necessities only): 0.38
• Days: 137.59
• Years, months and days: 0 years, 4 months, 16 days

• Total annual expenditures: $49,493
• Annual necessities only: $26,546
• Annual groceries expenditures: $4,097
• Annual housing expenditures: $10,719
• Annual utilities expenditures: $2,969
• Annual transportation expenditures: $4,433
• Annual healthcare expenditures: $4,327

Methodology: In order to find how long $10,000 in emergency savings will last across the country, GOBankingRates first found (1) the national average annual expenditures for a single person, sourced from the Bureau of Labor Statistics’ 2022 Consumer Expenditure Survey data. Then, GOBankingRates created (2) state-level annual expenditure estimates by multiplying the national figure by each state’s overall cost-of-living index score for 2024 Q1 from the Missouri Economic Research and Information Center. Finally, GOBankingRates found (3) how many years, months and days $10,000 will last in each state by dividing $10,000 by each state’s average annual expenditures and necessities (groceries, housing, utilities, transportation and healthcare) estimate. All 50 states and Washington, D.C. were then ranked, with No. 1 being the state where $10,000 will last the longest and No. 51 being the state where it will run out most quickly. GOBankingRates provided supplemental information on the average annual cost of groceries, housing, utilities, transportation and healthcare in each state by again using MERIC’s cost-of-living indices for each category to factor out national estimates from the CEX. All data was collected on and up to date as of July 29, 2024.