2025美国城市“舒适生活”薪资榜出炉！打工人看完哭了：年入$20万才能养家？

省钱君 2.17万浏览 3 天前发布

在美国大城市生活，到底要赚多少钱才能不啃老、不月光、偶尔还能旅个游？最新研究显示，四口之家年收入不到$20万，可能连“体面”都谈不上！

所谓“舒适生活”的标准，用的是经典的【50/30/20预算法则】：

50%收入用于房租/房贷、吃饭、水电等生存刚需；
30%用于下馆子、旅游、买买买等享受型消费；
20%必须存起来养老、给娃攒学费！

研究覆盖全美100个最大城市，单身狗和四口之家分别计算，结果太真实……

🏆 城市PK：哪里最卷？哪里躺平？

🌇 单身地狱模式：

圣何塞：$147,430 （硅谷码农也喊贵！）
纽约：$136,656 （去年冠军，今年屈居第二）
旧金山：$133,846 （房租占工资50%不是梦）

🏡 四口之家天花板：

圣何塞：$334,547 （双码农家庭才能扛）
尔湾：$319,405 （中产天堂？中产噩梦！）
波士顿：$319,238 （学区房+私立学费警告）

🌾 性价比之选：

单身福音：印第安纳波利斯（$85,197）
养娃圣地：孟菲斯（四口之家$198,349）

2025美国大城市“舒适生活”收入排名

在美国大城市舒适生活所需的最低收入
排名	城市	单身	四口之家	当地家庭收入中位数
1	Indianapolis, Indiana	$85,197	$222,726	$66,629
2	Oklahoma City, Oklahoma	$85,446	$211,494	$67,015
3	Tulsa, Oklahoma	$85,571	$210,912	$56,821
4	New Orleans, Louisiana	$86,445	$201,178	$55,580
5	Albuquerque, New Mexico	$86,611	$222,144	$67,907
6	San Antonio, Texas	$86,694	$199,181	$62,322
7	Winston-Salem, North Carolina	$86,736	$201,011	$55,708
7	Tucson, Arizona	$86,736	$215,821	$59,189
9	Spokane, Washington	$87,818	$233,043	$65,016
10	Baltimore, Maryland	$87,984	$226,054	$59,579
11	Greensboro, North Carolina	$88,275	$198,515	$61,747
12	Memphis, Tennessee	$88,317	$198,349	$57,138
12	Fort Wayne, Indiana	$88,317	$217,152	$51,399
14	Louisville, Kentucky	$89,648	$212,410	$61,488
15	Houston, Texas	$90,064	$206,669	$62,637
16	Orlando, Florida	$90,438	$207,501	$69,414
17	St. Paul, Minnesota	$90,646	$264,659	$73,975
18	Baton Rouge, Louisiana	$90,979	$199,846	$41,651
19	Buffalo, New York	$91,021	$238,784	$46,458
20	Kansas City, Missouri	$91,146	$232,294	$65,225
21	Omaha, Nebraska	$91,187	$224,390	$71,238
22	Huntsville, Alabama	$91,312	$205,421	$73,319
23	Columbus, Ohio	$92,518	$236,371	$62,350
24	Norfolk, Virginia	$93,309	$212,826	$62,382
25	Port St. Lucie, Florida	$93,434	$211,578	$70,484
25	Madison, Wisconsin	$93,434	$243,942	$74,928
27	Jacksonville, Florida	$93,558	$211,494	$68,069
28	Bakersfield, California	$94,307	$225,555	$79,355
29	Pittsburgh, Pennsylvania	$94,682	$239,866	$66,219
30	Minneapolis, Minnesota	$95,597	$273,062	$81,001
31	Dallas, Texas	$95,930	$213,741	$70,121
31	Irving, Texas	$95,930	$213,741	$79,335
31	Garland, Texas	$95,930	$213,741	$71,729
34	Fort Worth, Texas	$96,429	$217,235	$77,082
34	Arlington, Texas	$96,429	$217,235	$69,208
36	Philadelphia, Pennsylvania	$96,762	$256,506	$60,302
37	Fresno, California	$97,136	$237,536	$67,603
38	Richmond, Virginia	$97,552	$223,974	$65,650
39	Modesto, California	$97,926	$238,618	$80,471
40	Reno, Nevada	$98,218	$242,445	$80,365
41	Anchorage, Alaska	$98,509	$271,648	$94,437
42	Cape Coral, Florida	$98,842	$213,824	$74,634
43	St. Petersburg, Florida	$99,091	$218,317	$71,743
44	Colorado Springs, Colorado	$99,424	$262,995	$83,215
45	Las Vegas, Nevada	$100,256	$241,446	$73,784
45	Henderson, Nevada	$100,256	$241,446	$82,476
45	North Las Vegas, Nevada	$100,256	$241,446	$78,949
45	Enterprise, Nevada	$100,256	$241,446	$91,225
45	Sunrise Manor, Nevada	$100,256	$241,446	$52,496
50	Tampa, Florida	$100,963	$222,394	$72,851
51	Chicago, Illinois	$101,587	$232,378	$91,501
51	Austin, Texas	$101,587	$233,376	$74,474
53	Miami, Florida	$103,043	$223,142	$68,635
53	Hialeah, Florida	$103,043	$223,142	$55,310
55	Stockton, California	$103,667	$252,429	$76,191
56	Newark, New Jersey	$103,750	$272,979	$53,818
57	Tacoma, Washington	$105,456	$265,741	$89,107
58	Nashville, Tennessee	$105,706	$219,066	$80,217
59	Chesapeake, Virginia	$106,288	$230,048	$80,064
59	Durham, North Carolina	$106,288	$241,197	$92,633
61	Boise City, Idaho	$106,787	$253,011	$79,977
62	Phoenix, Arizona	$107,037	$247,853	$79,664
62	Mesa, Arizona	$107,037	$247,853	$79,145
62	Chandler, Arizona	$107,037	$247,853	$105,393
62	Gilbert town, Arizona	$107,037	$247,853	$122,445
62	Glendale, Arizona	$107,037	$247,853	$70,600
62	Scottsdale, Arizona	$107,037	$247,853	$106,058
68	Atlanta, Georgia	$107,453	$227,802	$85,880
69	Plano, Texas	$107,994	$229,715	$108,594
69	Frisco, Texas	$107,994	$229,715	$141,129
69	McKinney, Texas	$107,994	$229,715	$116,654
72	Washington, District of Columbia	$108,077	$305,427	$108,210
73	Virginia Beach, Virginia	$108,784	$236,122	$91,141
74	Denver, Colorado	$108,992	$292,947	$94,157
75	Raleigh, North Carolina	$110,573	$246,522	$86,309
76	Charlotte, North Carolina	$110,614	$244,192	$80,581
77	Aurora, Colorado	$111,114	$280,550	$89,300
78	Sacramento, California	$111,322	$271,066	$85,928
79	Portland, Oregon	$111,654	$289,869	$86,057
80	San Bernardino, California	$115,190	$255,757	$63,328
80	Fontana, California	$115,190	$255,757	$100,890
82	Jersey City, New Jersey	$115,482	$278,886	$91,286
83	Los Angeles, California	$115,690	$271,981	$79,701
83	Long Beach, California	$115,690	$271,981	$81,606
83	Santa Clarita, California	$115,690	$271,981	$118,489
86	Riverside, California	$119,642	$267,904	$88,175
87	San Francisco, California	$121,930	$366,829	$126,730
88	Oakland, California	$124,592	$343,949	$96,828
88	Fremont, California	$124,592	$343,949	$170,934
90	Honolulu, Hawaii	$124,883	$303,098	$84,907
91	Arlington, Virginia	$127,046	$355,430	$140,219
92	San Diego, California	$127,754	$297,190	$105,780
92	Chula Vista, California	$127,754	$297,190	$106,623
94	Seattle, Washington	$128,211	$327,475	$120,608
95	Boston, Massachusetts	$133,578	$352,102	$96,931
96	Anaheim, California	$133,952	$301,600	$84,872
96	Irvine, California	$133,952	$301,600	$127,989
96	Santa Ana, California	$133,952	$301,600	$85,914
99	New York, New York	$136,656	$306,093	$76,577
100	San Jose, California	$147,430	$371,571	$136,229