What It Takes to Be Rich—Where You Live

Whether you feel wealthy depends on a lot more than your income.

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Whether you're rich obviously depends on how much money you have—but also on where you live and how many people your household income supports. We crunched some numbers from the Census Bureau to reveal what it takes to be a top earner in 40 of the largest metro areas. (View our methodology.) And since people define "rich" differently, we calculated average incomes for the top 20 percent of households, and the top 5 percent, in each city. Finally, we estimated what would constitute a "rich" income for a couple with no kids, and for a family of four, in each scenario. Here's what it takes to be wealthy—and very wealthy—across America:

  Top 20 percent of households   Top 5 percent of households
City/Metro area Average household income "Rich" couple, no kids "Rich" family of 4   Average household income "Rich" couple, no kids "Rich" family of 4
Albuquerque, NM $146,554 $115,397 $230,794   $245,723 $193,483 $386,965
Atlanta, GA $191,386 $150,698 $301,395   $340,695 $268,264 $536,528
Austin, TX $184,131 $144,985 $289,970   $318,173 $250,530 $501,060
Baltimore, MD $201,156 $158,391 $316,781   $341,516 $268,910 $537,820
Boston, MA $225,726 $177,737 $355,474   $402,099 $316,613 $633,227
Charlotte, NC $181,381 $142,820 $285,639   $319,692 $251,726 $503,452
Chicago, IL $200,800 $158,110 $316,220   $367,200 $289,134 $578,268
Cleveland, OH $157,682 $124,159 $248,318   $278,287 $219,124 $438,247
Colorado Springs, CO $160,895 $126,689 $253,378   $263,489 $207,472 $414,943
Columbus, OH $164,162 $129,261 $258,523   $278,996 $219,682 $439,364
Dallas, TX $189,245 $149,012 $298,024   $339,527 $267,344 $534,688
Denver, CO $187,582 $147,702 $295,405   $330,176 $259,981 $519,962
Detroit, MI $168,245 $132,476 $264,953   $285,809 $225,046 $450,093
El Paso, TX $126,928 $99,943 $199,887   $222,454 $175,161 $350,321
Fresno, CA $153,601 $120,946 $241,891   $260,793 $205,349 $410,698
Honolulu, HI $184,787 $145,502 $291,003   $298,691 $235,190 $470,380
Houston, TX $195,353 $153,821 $307,643   $350,665 $276,114 $552,228
Indianapolis, IN $170,670 $134,386 $268,772   $304,005 $239,374 $478,748
Jacksonville, FL $167,859 $132,172 $264,345   $304,955 $240,122 $480,244
Kansas City, KS $164,870 $129,819 $259,638   $278,511 $219,300 $438,600
Las Vegas, NV $173,144 $136,334 $272,668   $305,256 $240,359 $480,718
Los Angeles, CA $216,567 $170,525 $341,050   $401,315 $315,996 $631,992
Louisville, KY $150,710 $118,669 $237,339   $269,433 $212,152 $424,304
Memphis, TN $165,387 $130,226 $260,452   $305,545 $240,587 $481,173
Miami, FL $187,243 $147,435 $294,871   $355,299 $279,763 $559,526
Milwaukee, WI $165,467 $130,289 $260,578   $288,831 $227,426 $454,852
Minneapolis, MN $192,903 $151,892 $303,784   $335,240 $263,969 $527,937
Nashville, TN $175,645 $138,303 $276,606   $333,520 $262,614 $525,228
New York, NY $240,112 $189,065 $378,129   $456,558 $359,494 $718,989
Oklahoma City, OK $158,793 $125,034 $250,068   $295,506 $232,682 $465,364
Omaha, NE $155,991 $122,828 $245,655   $262,914 $207,019 $414,038
Philadelphia, PA $195,024 $153,562 $307,124   $345,676 $272,186 $544,372
Phoenix, AZ $173,039 $136,251 $272,502   $303,711 $239,143 $478,285
Portland, OR $173,221 $136,394 $272,789   $303,647 $239,092 $478,184
Sacramento, CA $176,419 $138,913 $277,825   $285,670 $224,937 $449,874
San Antonio, TX $155,210 $122,213 $244,425   $272,217 $214,344 $428,688
San Diego, CA $200,204 $157,641 $315,282   $342,385 $269,594 $539,189
San Francisco, CA $257,399 $202,676 $405,353   $456,008 $359,061 $718,123
San Jose, CA $267,380 $210,535 $421,071   $450,231 $354,513 $709,025
Seattle, WA $198,866 $156,587 $313,175   $349,529 $275,220 $550,439
Washington, DC $255,980 $201,559 $403,118   $441,854 $347,917 $695,833
U.S. $173,953 $136,971 $273,942   $311,427 $245,218 $490,436