FIRE by town: where does your money already retire you?
You may already have enough.You might just live in the wrong place. Enter your portfolio + how much you save a year — we derive each town's FIRE number from its cost of living and rank every US metro by years-to-FIRE for you.
How we get your FIRE number per town
- The 4% rule
- FIRE number = annual spending × 25. Live on $40k/yr → you need ~$1.0M; live on $24k/yr → ~$600k.
- Spending from cost of living
- We derive each town's annual cost of living from its typical home value (Zillow ZHVI): owner-equivalent housing ≈ 5%/yr of value, and housing is ~38% of a typical US budget (BLS), so total ≈ housing ÷ 0.38.
- Coast FIRE
- If your current savings alone compound to a town's FIRE number by your retirement age, you've hit Coast FIRE there — no more saving required.
Browse FIRE by metro
New York, NY Los Angeles, CA Chicago, IL Dallas, TX Houston, TX Washington, DC Philadelphia, PA Miami, FL Atlanta, GA Boston, MA Phoenix, AZ San Francisco, CA Riverside, CA Detroit, MI Seattle, WA Minneapolis, MN San Diego, CA Tampa, FL Denver, CO Baltimore, MD St. Louis, MO Orlando, FL Charlotte, NC San Antonio, TX Portland, OR Sacramento, CA Pittsburgh, PA Cincinnati, OH Austin, TX Las Vegas, NV Kansas City, MO Columbus, OH Indianapolis, IN Cleveland, OH San Jose, CA Nashville, TN Virginia Beach, VA Providence, RI Jacksonville, FL Milwaukee, WI Oklahoma City, OK Raleigh, NC Memphis, TN Richmond, VA New Orleans, LA Salt Lake City, UT Hartford, CT Buffalo, NY
Coast-FIRE on $600k → · on $1M →
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