The Most Expensive ZIP Code in Every State — And How Much It Costs to Live There

Do you think you could name the city associated with the most expensive ZIP code in your state? While some individuals could do this, others might be less familiar with their state’s wealthiest ZIP code and even less sure how much it costs to live there.

To determine America’s wealthiest ZIP codes, GOBankingRates reviewed the ZIP code in each state with the highest home value and found each ZIP code’s cost of living index. Data from the Bureau of Labor Statistics 2022 Consumer Expenditure Survey was then utilized to find each ZIP code’s annual expenditures. 

In alphabetical order, read on for every state’s most expensive zip code.

• Most expensive ZIP code: 35223
• ZIP code city: Mountain Brook
• ZIP code MSA: Birmingham-Hoover, AL
• ZIP code county: Jefferson County
• ZIP code’s October 2023 home value: $826,800
• ZIP code’s overall CoL index: 87
• ZIP code’s overall annual expenditures: $63,481

• Most expensive ZIP code: 99516
• ZIP code city: Anchorage
• ZIP code MSA: Anchorage, AK
• ZIP code county: Anchorage Borough
• ZIP code’s October 2023 home value: $587,155
• ZIP code’s overall CoL index: 115.5
• ZIP code’s overall annual expenditures: $84,277

• Most expensive ZIP code: 85253
• ZIP code city: Paradise Valley
• ZIP code MSA: Phoenix-Mesa-Chandler, AZ
• ZIP code county: Maricopa County
• ZIP code’s October 2023 home value: $3,091,441
• ZIP code’s overall CoL index: 113
• ZIP code’s overall annual expenditures: $82,453

• Most expensive ZIP code: 72718
• ZIP code city: Cave Springs
• ZIP code MSA: Fayetteville-Springdale-Rogers, AR
• ZIP code county: Benton County
• ZIP code’s October 2023 home value: $496,213
• ZIP code’s overall CoL index: 91.6
• ZIP code’s overall annual expenditures: $66,838

• Most expensive ZIP code: 94027
• ZIP code city: Atherton
• ZIP code MSA: San Francisco-Oakland-Berkeley, CA
• ZIP code county: San Mateo County
• ZIP code’s October 2023 home value: $7,767,999
• ZIP code’s overall CoL index: 250
• ZIP code’s overall annual expenditures: $182,418

• Most expensive ZIP code: 81611
• ZIP code city: Aspen
• ZIP code MSA: Glenwood Springs, CO
• ZIP code county: Pitkin County
• ZIP code’s October 2023 home value: $8,552,350
• ZIP code’s overall CoL index: 220.4
• ZIP code’s overall annual expenditures: $160,819

• Most expensive ZIP code: 06830
• ZIP code city: Greenwich
• ZIP code MSA: Bridgeport-Stamford-Norwalk, CT
• ZIP code county: Fairfield County
• ZIP code’s October 2023 home value: $2,837,216
• ZIP code’s overall CoL index: 138.6
• ZIP code’s overall annual expenditures: $101,132

• Most expensive ZIP code: 19944
• ZIP code city: Fenwick Island
• ZIP code MSA: Salisbury, MD-DE
• ZIP code county: Sussex County
• ZIP code’s October 2023 home value: $1,287,926
• ZIP code’s overall CoL index: 108.1
• ZIP code’s overall annual expenditures: $78,877

• Most expensive ZIP code: 20008
• ZIP code city: Washington
• ZIP code MSA: Washington-Arlington-Alexandria, DC-VA-MD-WV
• ZIP code county: District of Columbia
• ZIP code’s October 2023 home value: $1,670,744
• ZIP code’s overall CoL index: 151.9
• ZIP code’s overall annual expenditures: $110,837

• Most expensive ZIP code: 33480
• ZIP code city: Palm Beach
• ZIP code MSA: Miami-Fort Lauderdale-Pompano Beach, FL
• ZIP code county: Palm Beach County
• ZIP code’s October 2023 home value: $11,327,554
• ZIP code’s overall CoL index: 114.1
• ZIP code’s overall annual expenditures: $83,255

• Most expensive ZIP code: 31561
• ZIP code city: Sea Island
• ZIP code MSA: Brunswick, GA
• ZIP code county: Glynn County
• ZIP code’s October 2023 home value: $5,055,536
• ZIP code’s overall CoL index: 90.9
• ZIP code’s overall annual expenditures: $66,327

• Most expensive ZIP code: 96714
• ZIP code city: Hanalei
• ZIP code MSA: Kapaa, HI
• ZIP code county: Kauai County
• ZIP code’s October 2023 home value: $2,617,075
• ZIP code’s overall CoL index: 154.6
• ZIP code’s overall annual expenditures: $112,807

• Most expensive ZIP code: 83353
• ZIP code city: Sun Valley
• ZIP code MSA: Hailey, ID
• ZIP code county: Blaine County
• ZIP code’s October 2023 home value: $2,994,332
• ZIP code’s overall CoL index: 134.2
• ZIP code’s overall annual expenditures: $97,922

• Most expensive ZIP code: 60043
• ZIP code city: Kenilworth
• ZIP code MSA: Chicago-Naperville-Elgin, IL-IN-WI
• ZIP code county: Cook County
• ZIP code’s October 2023 home value: $1,678,064
• ZIP code’s overall CoL index: 105.7
• ZIP code’s overall annual expenditures: $77,126

• Most expensive ZIP code: 46301
• ZIP code city: Beverly Shores
• ZIP code MSA: Chicago-Naperville-Elgin, IL-IN-WI
• ZIP code county: Porter County
• ZIP code’s October 2023 home value: $646,766
• ZIP code’s overall CoL index: 100.1
• ZIP code’s overall annual expenditures: $73,040

• Most expensive ZIP code: 51355
• ZIP code city: Okoboji
• ZIP code MSA: Spirit Lake, IA
• ZIP code county: Dickinson County
• ZIP code’s October 2023 home value: $1,044,207
• ZIP code’s overall CoL index: 90
• ZIP code’s overall annual expenditures: $65,670

• Most expensive ZIP code: 66211
• ZIP code city: Leawood
• ZIP code MSA: Kansas City, MO-KS
• ZIP code county: Johnson County
• ZIP code’s October 2023 home value: $948,247
• ZIP code’s overall CoL index: 106.2
• ZIP code’s overall annual expenditures: $77,491

• Most expensive ZIP code: 40510
• ZIP code city: Lexington
• ZIP code MSA: Lexington-Fayette, KY
• ZIP code county: Fayette County
• ZIP code’s October 2023 home value: $681,658
• ZIP code’s overall CoL index: 90.8
• ZIP code’s overall annual expenditures: $66,254

• Most expensive ZIP code: 70130
• ZIP code city: New Orleans
• ZIP code MSA: New Orleans-Metairie, LA
• ZIP code county: Orleans Parish
• ZIP code’s October 2023 home value: $572,226
• ZIP code’s overall CoL index: 101.6
• ZIP code’s overall annual expenditures: $74,134

• Most expensive ZIP code: 04110
• ZIP code city: Cumberland
• ZIP code MSA: Portland-South Portland, ME
• ZIP code county: Cumberland County
• ZIP code’s October 2023 home value: $1,162,726
• ZIP code’s overall CoL index: 112.5
• ZIP code’s overall annual expenditures: $82,088

• Most expensive ZIP code: 21056
• ZIP code city: Pasadena
• ZIP code MSA: Baltimore-Columbia-Towson, MD
• ZIP code county: Anne Arundel County
• ZIP code’s October 2023 home value: $2,860,752
• ZIP code’s overall CoL index: 114.7
• ZIP code’s overall annual expenditures: $83,693

• Most expensive ZIP code: 02108
• ZIP code city: Boston
• ZIP code MSA: Boston-Cambridge-Newton, MA-NH
• ZIP code county: Suffolk County
• ZIP code’s October 2023 home value: $5,443,900
• ZIP code’s overall CoL index: 150.8
• ZIP code’s overall annual expenditures: $110,034

• Most expensive ZIP code: 49654
• ZIP code city: Maple City
• ZIP code MSA: Traverse City, MI
• ZIP code county: Leelanau County
• ZIP code’s October 2023 home value: $1,153,486
• ZIP code’s overall CoL index: 105.9
• ZIP code’s overall annual expenditures: $77,272

• Most expensive ZIP code: 55424
• ZIP code city: Edina
• ZIP code MSA: Minneapolis-St. Paul-Bloomington, MN-WI
• ZIP code county: Hennepin County
• ZIP code’s October 2023 home value: $1,003,630
• ZIP code’s overall CoL index: 107.2
• ZIP code’s overall annual expenditures: $78,221

• Most expensive ZIP code: 39110
• ZIP code city: Madison
• ZIP code MSA: Jackson, MS
• ZIP code county: Madison County
• ZIP code’s October 2023 home value: $400,057
• ZIP code’s overall CoL index: 93.2
• ZIP code’s overall annual expenditures: $68,005

• Most expensive ZIP code: 63124
• ZIP code city: Ladue
• ZIP code MSA: St. Louis, MO-IL
• ZIP code county: Saint Louis County
• ZIP code’s October 2023 home value: $1,145,503
• ZIP code’s overall CoL index: 93.1
• ZIP code’s overall annual expenditures: $67,932

• Most expensive ZIP code: 07723
• ZIP code city: Deal
• ZIP code MSA: New York-Newark-Jersey City, NY-NJ-PA
• ZIP code county: Monmouth County
• ZIP code’s October 2023 home value: $3,727,859
• ZIP code’s overall CoL index: 129.1
• ZIP code’s overall annual expenditures: $94,200

• Most expensive ZIP code: 87506
• ZIP code city: Santa Fe
• ZIP code MSA: Santa Fe, NM
• ZIP code county: Santa Fe County
• ZIP code’s October 2023 home value: $1,145,684
• ZIP code’s overall CoL index: 112
• ZIP code’s overall annual expenditures: $81,723

• Most expensive ZIP code: 10065
• ZIP code city: New York
• ZIP code MSA: New York-Newark-Jersey City, NY-NJ-PA
• ZIP code county: New York County
• ZIP code’s October 2023 home value: $5,821,077
• ZIP code’s overall CoL index: 204.1
• ZIP code’s overall annual expenditures: $148,926

• Most expensive ZIP code: 28480
• ZIP code city: Wrightsville Beach
• ZIP code MSA: Wilmington, NC
• ZIP code county: New Hanover County
• ZIP code’s October 2023 home value: $2,042,975
• ZIP code’s overall CoL index: 98.1
• ZIP code’s overall annual expenditures: $71,581

• Most expensive ZIP code: 58521
• ZIP code city: Baldwin
• ZIP code MSA: Bismarck, ND
• ZIP code county: Burleigh County
• ZIP code’s October 2023 home value: $520,546
• ZIP code’s overall CoL index: 95.2
• ZIP code’s overall annual expenditures: $69,465

• Most expensive ZIP code: 45243
• ZIP code city: Madeira
• ZIP code MSA: Cincinnati, OH-KY-IN
• ZIP code county: Hamilton County
• ZIP code’s October 2023 home value: $686,013
• ZIP code’s overall CoL index: 88.3
• ZIP code’s overall annual expenditures: $64,430

• Most expensive ZIP code: 73151
• ZIP code city: Oklahoma City
• ZIP code MSA: Oklahoma City, OK
• ZIP code county: Oklahoma County
• ZIP code’s October 2023 home value: $589,304
• ZIP code’s overall CoL index: 85.5
• ZIP code’s overall annual expenditures: $62,387

• Most expensive ZIP code: 97034
• ZIP code city: Lake Oswego
• ZIP code MSA: Portland-Vancouver-Hillsboro, OR-WA
• ZIP code county: Clackamas County
• ZIP code’s October 2023 home value: $1,185,938
• ZIP code’s overall CoL index: 133.7
• ZIP code’s overall annual expenditures: $97,557

• Most expensive ZIP code: 19035
• ZIP code city: Gladwyne
• ZIP code MSA: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
• ZIP code county: Montgomery County
• ZIP code’s October 2023 home value: $1,376,385
• ZIP code’s overall CoL index: 114.1
• ZIP code’s overall annual expenditures: $83,255

• Most expensive ZIP code: 02807
• ZIP code city: New Shoreham
• ZIP code MSA: Providence-Warwick, RI-MA
• ZIP code county: Washington County
• ZIP code’s October 2023 home value: $1,706,356
• ZIP code’s overall CoL index: 124.3
• ZIP code’s overall annual expenditures: $90,698

• Most expensive ZIP code: 29482
• ZIP code city: Sullivan’s Island
• ZIP code MSA: Charleston-North Charleston, SC
• ZIP code county: Charleston County
• ZIP code’s October 2023 home value: $4,022,854
• ZIP code’s overall CoL index: 112
• ZIP code’s overall annual expenditures: $81,723

• Most expensive ZIP code: 57759
• ZIP code city: Deadwood
• ZIP code MSA: Spearfish, SD
• ZIP code county: Lawrence County
• ZIP code’s October 2023 home value: $628,232
• ZIP code’s overall CoL index: 93.5
• ZIP code’s overall annual expenditures: $68,224

• Most expensive ZIP code: 37215
• ZIP code city: Nashville
• ZIP code MSA: Nashville-Davidson–Murfreesboro–Franklin, TN
• ZIP code county: Davidson County
• ZIP code’s October 2023 home value: $1,330,224
• ZIP code’s overall CoL index: 104.7
• ZIP code’s overall annual expenditures: $76,396

• Most expensive ZIP code: 75205
• ZIP code city: Highland Park
• ZIP code MSA: Dallas-Fort Worth-Arlington, TX
• ZIP code county: Dallas County
• ZIP code’s October 2023 home value: $2,273,459
• ZIP code’s overall CoL index: 100.2
• ZIP code’s overall annual expenditures: $73,113

• Most expensive ZIP code: 84060
• ZIP code city: Park City
• ZIP code MSA: Heber, UT
• ZIP code county: Summit County
• ZIP code’s October 2023 home value: $3,023,974
• ZIP code’s overall CoL index: 169
• ZIP code’s overall annual expenditures: $123,314

• Most expensive ZIP code: 05672
• ZIP code city: Stowe
• ZIP code MSA: n/a
• ZIP code county: Lamoille County
• ZIP code’s October 2023 home value: $1,066,293
• ZIP code’s overall CoL index: 101.8
• ZIP code’s overall annual expenditures: $74,280

• Most expensive ZIP code: 22066
• ZIP code city: Great Falls
• ZIP code MSA: Washington-Arlington-Alexandria, DC-VA-MD-WV
• ZIP code county: Fairfax County
• ZIP code’s October 2023 home value: $1,571,412
• ZIP code’s overall CoL index: 149.7
• ZIP code’s overall annual expenditures: $109,232

• Most expensive ZIP code: 98039
• ZIP code city: Medina
• ZIP code MSA: Seattle-Tacoma-Bellevue, WA
• ZIP code county: King County
• ZIP code’s October 2023 home value: $4,469,590
• ZIP code’s overall CoL index: 158.1
• ZIP code’s overall annual expenditures: $115,361

• Most expensive ZIP code: 25442
• ZIP code city: Shenandoah Junction
• ZIP code MSA: Washington-Arlington-Alexandria, DC-VA-MD-WV
• ZIP code county: Jefferson County
• ZIP code’s October 2023 home value: $465,452
• ZIP code’s overall CoL index: 111.2
• ZIP code’s overall annual expenditures: $81,139

• Most expensive ZIP code: 53069
• ZIP code city: Okauchee
• ZIP code MSA: Milwaukee-Waukesha, WI
• ZIP code county: Waukesha County
• ZIP code’s October 2023 home value: $771,514
• ZIP code’s overall CoL index: 107.3
• ZIP code’s overall annual expenditures: $78,294

• Most expensive ZIP code: 83014
• ZIP code city: Wilson
• ZIP code MSA: Jackson, WY-ID
• ZIP code county: Teton County
• ZIP code’s October 2023 home value: $4,239,773
• ZIP code’s overall CoL index: 180.9
• ZIP code’s overall annual expenditures: $131,997

Methodology: For this piece GOBankingRates first found the zip code in each state with the highest home value for March 2024 from Zillow. With these zip codes isolated, GOBankingRates then found those zip code’s overall cost of living index as sourced from Sperling’s Best Places and used the Bureau of Labor Statistics 2022 Consumer Expenditure Survey to find the annual expenditures for each zip code. All data was collected and is up to date as of June 19, 2024.