GOBankingRates

30 Most Expensive Cities in the US

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For an example as to just how hyper-concentrated wealth has become in America, consider the following: You could count on one hand the number of states where the 30 most expensive cities in the country are jammed together — even if you were missing a finger. Just four states play host to all 30 of America’s priciest ZIP codes, which is striking, considering how many states have metro areas where the cost of living is high.

Read: Richest ZIP Codes in Every State
Living in America: Salary You Need in 50 Cities

Using data from Sperling’s Best Places, the Bureau of Labor Statistics and Zillow, GOBankingRates identified and ranked the 30 most expensive cities in America in ascending order from least expensive to most. The rankings are based on the big recurring expenses like housing, groceries, utilities, healthcare and transportation.

In these cities, the average home value is well into the millions even at the bottom of the list. The tab for a year’s worth of expenditures is more than a quarter-million dollars in every single metro. Here are the ZIP codes where all but the wealthiest will never call home.

Last updated: Sept. 21, 2021

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30. Clyde Hill, Washington

  • Overall cost-of-living index: 418.3
  • Annual expenditures: $263,680
  • Monthly expenditures: $21,973
  • Annual grocery expenditure: $5,395
  • Monthly grocery expenditure: $450
  • Annual healthcare expenditure: $4,424
  • Monthly healthcare expenditure: $369
  • Annual utilities expenditure: $2,871
  • Monthly utilities expenditure: $239
  • Annual transportation expenditure: $7,038
  • Monthly transportation expenditure: $586
  • January 2021 home value: $3,073,159
  • 20% down payment on a house: $614,632

See: The Most Expensive Suburbs in Every State

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29. Sands Point, New York

  • Overall cost-of-living index: 426.5
  • Annual expenditures: $268,849
  • Monthly expenditures: $22,404
  • Annual grocery expenditure: $5,288
  • Monthly grocery expenditure: $441
  • Annual healthcare expenditure: $5,801
  • Monthly healthcare expenditure: $483
  • Annual utilities expenditure: $5,069
  • Monthly utilities expenditure: $422
  • Annual transportation expenditure: $10,290
  • Monthly transportation expenditure: $857
  • January 2021 home value: $2,452,385
  • 20% down payment on a house: $490,477

Find Out: How Long $1 Million in Savings Will Last in Every State

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28. Ross, California

  • Overall cost-of-living index: 431.3
  • Annual expenditures: $271,874
  • Monthly expenditures: $22,656
  • Annual grocery expenditure: $5,595
  • Monthly grocery expenditure: $466
  • Annual healthcare expenditure: $5,297
  • Monthly healthcare expenditure: $441
  • Annual utilities expenditure: $3,982
  • Monthly utilities expenditure: $332
  • Annual transportation expenditure: $7,194
  • Monthly transportation expenditure: $599
  • January 2021 home value: $3,451,124
  • 20% down payment on a house: $690,225

More: 40 Cities That Could Be Poised For a Housing Crisis

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27. Bridgehampton, New York

  • Overall cost-of-living index: 432.9
  • Annual expenditures: $272,883
  • Monthly expenditures: $22,740
  • Annual grocery expenditure: $5,808
  • Monthly grocery expenditure: $5,808
  • Annual healthcare expenditure: 110.9
  • Monthly healthcare expenditure: $5,759
  • Annual utilities expenditure: $5,016
  • Monthly utilities expenditure: $418
  • Annual transportation expenditure: $6,002
  • Monthly transportation expenditure: $500
  • January 2021 home value: $3,154,220
  • 20% down payment on a house: $630,844

Read: 10 US Cities With Plenty of Jobs and Cheap Housing

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26. Saratoga, California

  • Overall cost-of-living index: 437.9
  • Annual expenditures: $276,035
  • Monthly expenditures: $23,003
  • Annual grocery expenditure: $5,776
  • Monthly grocery expenditure: $481
  • Annual healthcare expenditure: $5,219
  • Monthly healthcare expenditure: $435
  • Annual utilities expenditure: $3,812
  • Monthly utilities expenditure: $318
  • Annual transportation expenditure: $8,246
  • Monthly transportation expenditure: $687
  • January 2021 home value: $3,077,931
  • 20% down payment on a house: $615,586

See: 50 Housing Markets That Are Turning Ugly

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25. Yarrow Point, Washington

  • Overall cost-of-living index: 443.1
  • Annual expenditures: $279,313
  • Monthly expenditures: $23,276
  • Annual grocery expenditure: $5,395
  • Monthly grocery expenditure: $450
  • Annual healthcare expenditure: $4,424
  • Monthly healthcare expenditure: $369
  • Annual utilities expenditure: $2,871
  • Monthly utilities expenditure: $239
  • Annual transportation expenditure: $7,784
  • Monthly transportation expenditure: $649
  • January 2021 home value: $3,197,601
  • 20% down payment on a house: $639,520

See: 50 Cities With the Most Overpriced Homes

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24. Medina, Washington

  • Overall cost-of-living index: 446
  • Annual expenditures: $281,141
  • Monthly expenditures: $23,428
  • Annual grocery expenditure: $5,669
  • Monthly grocery expenditure: $472
  • Annual healthcare expenditure: $4,424
  • Monthly healthcare expenditure: $369
  • Annual utilities expenditure: $2,830
  • Monthly utilities expenditure: $236
  • Annual transportation expenditure: $7,066
  • Monthly transportation expenditure: $589
  • January 2021 home value: $3,241,327
  • 20% down payment on a house: $648,265

Find Out: The 50 Best Places To Buy a Home for Under $250,000

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23. Belleair Shores, Florida

  • Overall cost-of-living index: 457
  • Annual expenditures: $288,075
  • Monthly expenditures: $24,006
  • Annual grocery expenditure: $5,288
  • Monthly grocery expenditure: $441
  • Annual healthcare expenditure: $5,266
  • Monthly healthcare expenditure: $439
  • Annual utilities expenditure: $4,242
  • Monthly utilities expenditure: $353
  • Annual transportation expenditure: $5,512
  • Monthly transportation expenditure: $459
  • January 2021 home value: $4,373,522
  • 20% down payment on a house: $874,704

More: The Pandemic Housing Market in Every State

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22. Stanford, California

  • Overall cost-of-living index: 463.1
  • Annual expenditures: $291,920
  • Monthly expenditures: $24,327
  • Annual grocery expenditure: $5,841
  • Monthly grocery expenditure: $487
  • Annual healthcare expenditure: $5,219
  • Monthly healthcare expenditure: $435
  • Annual utilities expenditure: $3,645
  • Monthly utilities expenditure: $304
  • Annual transportation expenditure: $6,927
  • Monthly transportation expenditure: $577
  • January 2021 home value: $3,538,964
  • 20% down payment on a house: $707,793

Read: This Is the Salary You Need To Afford the Average Home in Your State

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21. Fisher Island, Florida

  • Overall cost-of-living index: 469.9
  • Annual expenditures: $296,206
  • Monthly expenditures: $24,684
  • Annual grocery expenditure: $5,901
  • Monthly grocery expenditure: $492
  • Annual healthcare expenditure: $5,131
  • Monthly healthcare expenditure: $428
  • Annual utilities expenditure: $3,901
  • Monthly utilities expenditure: $325
  • Annual transportation expenditure: $8,163
  • Monthly transportation expenditure: $680
  • January 2021 home value: $3,234,935
  • 20% down payment on a house: $646,987

See: Houses Are Selling the Fastest in These 10 Real Estate Markets

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20. Palo Alto, California

  • Overall cost-of-living index: 471
  • Annual expenditures: $296,900
  • Monthly expenditures: $24,742
  • Annual grocery expenditure: $5,776
  • Monthly grocery expenditure: $481
  • Annual healthcare expenditure: $5,219
  • Monthly healthcare expenditure: $435
  • Annual utilities expenditure: $3,645
  • Monthly utilities expenditure: $304
  • Annual transportation expenditure: $7,829
  • Monthly transportation expenditure: $652
  • January 2021 home value: $3,268,097
  • 20% down payment on a house: $653,619

Find Out: 50 Most Expensive Small Towns in America

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19. Woodside, California

  • Overall cost-of-living index: 480
  • Annual expenditures: $302,573
  • Monthly expenditures: $25,214
  • Annual grocery expenditure: $5,646
  • Monthly grocery expenditure: $470
  • Annual healthcare expenditure: $5,531
  • Monthly healthcare expenditure: $461
  • Annual utilities expenditure: $3,722
  • Monthly utilities expenditure: $310
  • Annual transportation expenditure: $7,923
  • Monthly transportation expenditure: $660
  • January 2021 home value: $3,633,117
  • 20% down payment on a house: $726,623

More: Cheapest Places To Buy a Home in Every State

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18. Malibu, California

  • Overall cost-of-living index: 483.9
  • Annual expenditures: $305,031
  • Monthly expenditures: $25,419
  • Annual grocery expenditure: $5,488
  • Monthly grocery expenditure: $457
  • Annual healthcare expenditure: $4,643
  • Monthly healthcare expenditure: $387
  • Annual utilities expenditure: $4,152
  • Monthly utilities expenditure: $346
  • Annual transportation expenditure: $9,321
  • Monthly transportation expenditure: $777
  • January 2021 home value: $3,855,113
  • 20% down payment on a house: $771,023

Read: What Homes Will Be Worth in Your State by the End of 2021

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17. Montecito, California

  • Overall cost-of-living index: 486.1
  • Annual expenditures: $306,418
  • Monthly expenditures: $25,535
  • Annual grocery expenditure: $5,599
  • Monthly grocery expenditure: $467
  • Annual healthcare expenditure: $4,990
  • Monthly healthcare expenditure: $416
  • Annual utilities expenditure: $3,637
  • Monthly utilities expenditure: $303
  • Annual transportation expenditure: $5,613
  • Monthly transportation expenditure: $468
  • January 2021 home value: $3,794,905
  • 20% down payment on a house: $758,981

Find Out: Houses in These 29 Cities Are Suddenly Major Bargains

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16. Monte Sereno, California

  • Overall cost-of-living index: 502.2
  • Annual expenditures: $316,567
  • Monthly expenditures: $26,381
  • Annual grocery expenditure: $5,753
  • Monthly grocery expenditure: $479
  • Annual healthcare expenditure: $5,219
  • Monthly healthcare expenditure: $435
  • Annual utilities expenditure: $3,816
  • Monthly utilities expenditure: $318
  • Annual transportation expenditure: $8,274
  • Monthly transportation expenditure: $690
  • January 2021 home value: $3,392,578
  • 20% down payment on a house: $678,516

More: 50 Cities With the Most Homes Under $100K

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15. Los Altos, California

  • Overall cost-of-living index: 502.9
  • Annual expenditures: $317,008
  • Monthly expenditures: $26,417
  • Annual grocery expenditure: $5,892
  • Monthly grocery expenditure: $491
  • Annual healthcare expenditure: $5,219
  • Monthly healthcare expenditure: $435
  • Annual utilities expenditure: $3,731
  • Monthly utilities expenditure: $311
  • Annual transportation expenditure: $7,778
  • Monthly transportation expenditure: $648
  • January 2021 home value: $3,473,751
  • 20% down payment on a house: $694,750

Read: The Cheapest Neighborhoods in the 50 Biggest US Cities

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14. Hunts Point, Washington

  • Overall cost-of-living index: 503.7
  • Annual expenditures: $317,512
  • Monthly expenditures: $26,459
  • Annual grocery expenditure: $5,395
  • Monthly grocery expenditure: $450
  • Annual healthcare expenditure: $4,424
  • Monthly healthcare expenditure: $369
  • Annual utilities expenditure: $2,871
  • Monthly utilities expenditure: $239
  • Annual transportation expenditure: $7,784
  • Monthly transportation expenditure: $649
  • January 2021 home value: $6,257,427
  • 20% down payment on a house: $1,251,485

See: The 20 Hardest Places To Sell a Home

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13. Hidden Hills, California

  • Overall cost-of-living index: 513.7
  • Annual expenditures: $323,816
  • Monthly expenditures: $26,985
  • Annual grocery expenditure: $5,103
  • Monthly grocery expenditure: $425
  • Annual healthcare expenditure: $4,643
  • Monthly healthcare expenditure: $387
  • Annual utilities expenditure: $3,901
  • Monthly utilities expenditure: $325
  • Annual transportation expenditure: $9,120
  • Monthly transportation expenditure: $760
  • January 2021 home value: $3,824,541
  • 20% down payment on a house: $764,908

Find Out: The Best Place to Buy a Home in Every State

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12. Amagansett, New York

  • Overall cost-of-living index: 515.3
  • Annual expenditures: $324,825
  • Monthly expenditures: $27,069
  • Annual grocery expenditure: $5,873
  • Monthly grocery expenditure: $489
  • Annual healthcare expenditure: $5,759
  • Monthly healthcare expenditure: $480
  • Annual utilities expenditure: $5,085
  • Monthly utilities expenditure: $424
  • Annual transportation expenditure: $6,186
  • Monthly transportation expenditure: $516
  • January 2021 home value: $3,092,966
  • 20% down payment on a house: $618,593

More: In Less Than a Decade, You Won’t Be Able To Afford a Home in These Cities

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11. Rolling Hills, California

  • Overall cost-of-living index: 521.9
  • Annual expenditures: $328,985
  • Monthly expenditures: $27,415
  • Annual grocery expenditure: $5,242
  • Monthly grocery expenditure: $437
  • Annual healthcare expenditure: $4,643
  • Monthly healthcare expenditure: $387
  • Annual utilities expenditure: $3,901
  • Monthly utilities expenditure: $325
  • Annual transportation expenditure: $9,694
  • Monthly transportation expenditure: $808
  • January 2021 home value: $3,403,291
  • 20% down payment on a house: $680,658

Read: How the Coronavirus Pandemic Is Affecting Renters vs. Homeowners

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10. Water Mill, New York

  • Overall cost-of-living index: 529.4
  • Annual expenditures: $333,713
  • Monthly expenditures: $27,809
  • Annual grocery expenditure: $5,897
  • Monthly grocery expenditure: $491
  • Annual healthcare expenditure: $5,759
  • Monthly healthcare expenditure: $480
  • Annual utilities expenditure: $5,085
  • Monthly utilities expenditure: $424
  • Annual transportation expenditure: $5,484
  • Monthly transportation expenditure: $457
  • January 2021 home value: $3,286,521
  • 20% down payment on a house: $657,304

See: Tips To Get Your Mortgage Payments as Low as Possible

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9. Beverly Hills, California

  • Overall cost-of-living index: 546.2
  • Annual expenditures: $344,303
  • Monthly expenditures: $28,692
  • Annual grocery expenditure: $5,553
  • Monthly grocery expenditure: $463
  • Annual healthcare expenditure: $4,643
  • Monthly healthcare expenditure: $387
  • Annual utilities expenditure: $3,455
  • Monthly utilities expenditure: $288
  • Annual transportation expenditure: $8,725
  • Monthly transportation expenditure: $727
  • January 2021 home value: $5,322,330
  • 20% down payment on a house: $1,064,466

Find Out: 45 Great Cities With Shockingly Cheap Real Estate

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8. Belvedere, California

  • Overall cost-of-living index: 548.7
  • Annual expenditures: $345,879
  • Monthly expenditures: $28,823
  • Annual grocery expenditure: $5,725
  • Monthly grocery expenditure: $477
  • Annual healthcare expenditure: $5,297
  • Monthly healthcare expenditure: $441
  • Annual utilities expenditure: $3,893
  • Monthly utilities expenditure: $324
  • Annual transportation expenditure: $7,472
  • Monthly transportation expenditure: $623
  • January 2021 home value: $4,256,423
  • 20% down payment on a house: $851,285

More: Paychecks Are Getting Bigger in These Boomtowns

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7. Stinson Beach, California

  • Overall cost-of-living index: 565.2
  • Annual expenditures: $356,279
  • Monthly expenditures: $29,690
  • Annual grocery expenditure: $5,734
  • Monthly grocery expenditure: $478
  • Annual healthcare expenditure: $5,297
  • Monthly healthcare expenditure: $441
  • Annual utilities expenditure: $3,982
  • Monthly utilities expenditure: $332
  • Annual transportation expenditure: $6,932
  • Monthly transportation expenditure: $578
  • January 2021 home value: $3,926,149
  • 20% down payment on a house: $785,230

Read: Best Places To Own a Home For Less Than $1,000 a Month

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6. Wainscott, New York

  • Overall cost-of-living index: 609.8
  • Annual expenditures: $384,394
  • Monthly expenditures: $32,033
  • Annual grocery expenditure: $5,822
  • Monthly grocery expenditure: $485
  • Annual healthcare expenditure: $5,759
  • Monthly healthcare expenditure: $480
  • Annual utilities expenditure: $5,016
  • Monthly utilities expenditure: $418
  • Annual transportation expenditure: $6,002
  • Monthly transportation expenditure: $500
  • January 2021 home value: $2,574,167
  • 20% down payment on a house: $514,833

See: 8 Insider Tips to Get Rich in Real Estate

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5. Portola Valley, California

  • Overall cost-of-living index: 624.2
  • Annual expenditures: $393,471
  • Monthly expenditures: $32,789
  • Annual grocery expenditure: $5,920
  • Monthly grocery expenditure: $493
  • Annual healthcare expenditure: $5,531
  • Monthly healthcare expenditure: $461
  • Annual utilities expenditure: $3,966
  • Monthly utilities expenditure: $330
  • Annual transportation expenditure: $8,140
  • Monthly transportation expenditure: $678
  • January 2021 home value: $4,099,387
  • 20% down payment on a house: $819,877

Find Out: The Cost To Own a 3-Bedroom Home in Every State

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4. Hillsborough, California

  • Overall cost-of-living index: 650.6
  • Annual expenditures: $410,112
  • Monthly expenditures: $34,176
  • Annual grocery expenditure: $5,739
  • Monthly grocery expenditure: $478
  • Annual healthcare expenditure: $5,531
  • Monthly healthcare expenditure: $461
  • Annual utilities expenditure: $3,722
  • Monthly utilities expenditure: $310
  • Annual transportation expenditure: $8,146
  • Monthly transportation expenditure: $679
  • January 2021 home value: $4,591,538
  • 20% down payment on a house: $918,308

More: Places Where Your Retirement Will Cost Less Than $50,000 a Year

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3. Los Altos Hills, California

  • Overall cost-of-living index: 667.9
  • Annual expenditures: $421,017
  • Monthly expenditures: $35,085
  • Annual grocery expenditure: $5,924
  • Monthly grocery expenditure: $494
  • Annual healthcare expenditure: $5,219
  • Monthly healthcare expenditure: $435
  • Annual utilities expenditure: $3,816
  • Monthly utilities expenditure: $318
  • Annual transportation expenditure: $8,057
  • Monthly transportation expenditure: $671
  • January 2021 home value: $4,659,089
  • 20% down payment on a house: $931,818

Read: What the Average Home Price Today Could Buy the Year You Were Born

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2. Jupiter Island, Florida

  • Overall cost-of-living index: 757.9
  • Annual expenditures: $477,750
  • Monthly expenditures: $39,812
  • Annual grocery expenditure: $4,987
  • Monthly grocery expenditure: $416
  • Annual healthcare expenditure: $5,209
  • Monthly healthcare expenditure: $434
  • Annual utilities expenditure: $3,885
  • Monthly utilities expenditure: $324
  • Annual transportation expenditure: $5,150
  • Monthly transportation expenditure: $429
  • January 2021 home value: $5,240,492
  • 20% down payment on a house: $1,048,098

See: Homes in These 25 Waterfront Cities Are a Total Steal

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1. Atherton, California

  • Overall cost-of-living index: 913.5
  • Annual expenditures: $575,834
  • Monthly expenditures: $47,986
  • Annual grocery expenditure: $6,203
  • Monthly grocery expenditure: $517
  • Annual healthcare expenditure: $5,531
  • Monthly healthcare expenditure: $461
  • Annual utilities expenditure: $3,982
  • Monthly utilities expenditure: $332
  • Annual transportation expenditure: $7,645
  • Monthly transportation expenditure: $637
  • January 2021 home value: $6,579,356
  • 20% down payment on a house: $1,315,871

Find Out: 17 Dumb Home-Buying Mistakes That Hurt Your Wallet

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United States

  • Annual expenditures: $63,036
  • Monthly expenditures: $5,253
  • Annual grocery expenditure: $4,643
  • Monthly grocery expenditure: $387
  • Annual healthcare expenditure: $5,193
  • Monthly healthcare expenditure: $433
  • Annual utilities expenditure: $4,055
  • Monthly utilities expenditure: $338
  • Annual transportation expenditure: $5,568
  • Monthly transportation expenditure: $464
  • January 2021 home value: N/A
  • 20% down payment on a house: N/A

More From GOBankingRates

      Methodology: For this study, GOBankingRates looked at the 30 most expensive cities in terms of (1) total cost of living index as sourced from Sperling’s Best Places. GOBankingRates then used their cost-of-living index scores and the Bureau of Labor Statistics’ 2019 Consumer Expenditure Survey data on national spending habits to determine each city’s (2) annual total expenditures as well as their (3) monthly total expenditures. Using the same method, GOBankingRates found each city’s: (4) annual and monthly grocery expenditure; (5) annual and monthly healthcare expenditure; (6) annual and monthly utilities expenditures; and (6) annual and monthly transportation expenditures. GOBankingRates also found each city’s (7) January 2021 home value and (8) cost of a 20% down payment from Zillow as supplemental data. All data were collected on and up to date as of March 15, 2021.