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Retire in the United States
The 4% rule gives a familiar benchmark for how much you'd need invested to retire in the United States at every lifestyle level. Open any city page to backtest your own plan against market history.
Cheapest City
$1.18M
Fargo
Average FIRE Number
$1.54M
47 cities
Most Expensive
$2.71M
New York
FIRE Numbers for All 47 Cities in the United States
| City | Lean FIRE | FIRE | Fat FIRE |
|---|---|---|---|
| 🇺🇸Fargo | $698K | $1.18M | $4.18M |
| 🇺🇸Sioux Falls | $680K | $1.19M | $4.49M |
| 🇺🇸Wausau | $681K | $1.2M | $4.27M |
| 🇺🇸Midland | $677K | $1.23M | $4.46M |
| 🇺🇸Omaha | $726K | $1.24M | $4.42M |
| 🇺🇸Chattanooga | $708K | $1.26M | $4.61M |
| 🇺🇸Albuquerque | $714K | $1.27M | $4.59M |
| 🇺🇸Pittsburgh | $740K | $1.27M | $4.62M |
| 🇺🇸Tucson | $726K | $1.28M | $4.72M |
| 🇺🇸Des Moines | $705K | $1.29M | $4.44M |
| 🇺🇸Cincinnati | $744K | $1.29M | $4.77M |
| 🇺🇸San Antonio | $714K | $1.32M | $4.81M |
| 🇺🇸Knoxville | $744K | $1.32M | $4.72M |
| 🇺🇸Madison | $750K | $1.33M | $4.81M |
| 🇺🇸Greenville | $759K | $1.33M | $5.07M |
| 🇺🇸Reno | $764K | $1.35M | $4.68M |
| 🇺🇸Minneapolis | $608K | $1.35M | $4.77M |
| 🇺🇸Las Vegas | $753K | $1.35M | $5.06M |
| 🇺🇸Fort Worth | $743K | $1.39M | $4.97M |
| 🇺🇸Charlotte | $819K | $1.4M | $5.37M |
| 🇺🇸Portland | $770K | $1.4M | $5.2M |
| 🇺🇸Boise | $807K | $1.41M | $5.17M |
| 🇺🇸Salt Lake City | $762K | $1.41M | $5.15M |
| 🇺🇸Austin | $786K | $1.45M | $5.64M |
| 🇺🇸Asheville | $825K | $1.45M | $5.24M |
| 🇺🇸Raleigh | $852K | $1.45M | $5.14M |
| 🇺🇸Savannah | $860K | $1.47M | $4.83M |
| 🇺🇸Jacksonville | $840K | $1.47M | $5.45M |
| 🇺🇸Philadelphia | $870K | $1.53M | $5.66M |
| 🇺🇸Santa Fe | $849K | $1.53M | $5.61M |
| 🇺🇸Seattle | $929K | $1.54M | $6.05M |
| 🇺🇸Denver | $864K | $1.56M | $5.54M |
| 🇺🇸Nashville | $887K | $1.56M | $5.55M |
| 🇺🇸Scottsdale | $900K | $1.61M | $5.89M |
| 🇺🇸Chicago | $846K | $1.62M | $5.6M |
| 🇺🇸Charleston | $891K | $1.62M | $6M |
| 🇺🇸Tampa | $902K | $1.65M | $5.82M |
| 🇺🇸Sarasota | $927K | $1.72M | $6.42M |
| 🇺🇸San Diego | $1.1M | $1.78M | $6.13M |
| 🇺🇸Boston | $944K | $1.82M | $6.6M |
| 🇺🇸Honolulu | $1.18M | $1.96M | $6.32M |
| 🇺🇸Los Angeles | $1.14M | $2.02M | $7.88M |
| 🇺🇸Washington D.C. | $1.06M | $2.04M | $7.05M |
| 🇺🇸Miami | $1.05M | $2.25M | $8.4M |
| 🇺🇸San Francisco | $1.29M | $2.25M | $8.88M |
| 🇺🇸San Jose | $1.42M | $2.25M | $7.42M |
| 🇺🇸New York | $1.12M | $2.71M | $10.79M |
About Retiring in the United States
The United States offers 47 retirement destinations tracked on PortfolioAtlas. The most affordable is Fargo at $1.18M, while New York requires $2.71M. The average FIRE Number across all United States cities is $1.54M, calculated using the 4% safe withdrawal rate.
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