These Big Cities Have the Cheapest Monthly Bill Costs, According to New Survey

Detroit city skyline along the Detroit River at dusk.
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With inflation at a four-decade high, cost of living is on the mind of many Americans. And a new survey finds that there are major disparities in terms of household bill costs across the 50 largest cities in the U.S.

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The United States of Bill Pay: 50 Largest U.S. Cities Household Spend Report 2022, released by doxo, looked at the 10 most common household bills, including mortgage; rent; auto loan; utilities (electric, gas, water and sewer, and waste and recycling); auto insurance; cable, internet and phone; health insurance; mobile phone; alarm and security; and life insurance.

The report finds that the average annual cost per U.S. household on bill expenses is $24,032, or a $2,003 monthly national average. 

So where are the cheapest cities?

Topping the list is Detroit, Michigan, where residents pay the least in average monthly expenses, at $1,634 — 18.4% lower than the national average.

Cleveland follows, with $1,655 in monthly expenses, then El Paso, Texas, with $1,675 along with Albuquerque, New Mexico, with $1.687 and Memphis, Tennesee, with $1,689.

Rounding up the top 10 cheapest cities for monthly bills are Dayton, Ohio, Kansas City, Missouri; Rochester, New York; Oklahoma City, Oklahoma; and Cincinnati, Ohio.

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On the other end of the spectrum, residents of California have some of the most expensive monthly bills in the country.

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Residents of San Jose, California, pay the highest monthly bills out of the 50 largest cities ranked in the report, with $3,248 in monthly expenses — 62.2% higher than the national average. New York, New York, follows, with $3,059; Boston, Massachusetts, with $2,963; San Francisco, California, with $2,946; and San Diego, California, with $ 2,689, round up the top most expensive cities for monthly bill expenses.

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About the Author

Yaël Bizouati-Kennedy is a full-time financial journalist and has written for several publications, including Dow Jones, The Financial Times Group, Bloomberg and Business Insider. She also worked as a vice president/senior content writer for major NYC-based financial companies, including New York Life and MSCI. Yaël is now freelancing and most recently, she co-authored  the book “Blockchain for Medical Research: Accelerating Trust in Healthcare,” with Dr. Sean Manion. (CRC Press, April 2020) She holds two master’s degrees, including one in Journalism from New York University and one in Russian Studies from Université Toulouse-Jean Jaurès, France.
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