# The FIRE Number by Metro (FinExplained data study)
# Sources: BEA Regional Price Parities 2024 (MARPP, all items); Census Bureau ACS 2024 1-year table B19013; Census Bureau Population Estimates Vintage 2024; Census Bureau 2024 Gazetteer (CBSA centroids). Baseline spending is a 70,000 dollar single-adult modeling choice; couple figures use a 1.5x shared-housing adjustment; lean (0.70x) and chubby (1.50x) tiers are FIRE-community conventions, not statistical-agency figures.
# License: CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/). Attribution: FinExplained, https://finexplained.com/
# Figures are educational estimates computed from public data, not financial advice.
# Methodology: annual spend = baseline x (RPP / 100); FIRE number = annual spend / withdrawal rate.
fire_rank,metro,msa_name,states,region,cbsa,population_rank,population,population_data_year,rpp_all_items,rpp_data_year,annual_spend_single,fire_number_4_0_pct,fire_number_3_5_pct,fire_number_4_7_pct,lean_fire_0_70x,chubby_fire_1_50x,annual_spend_couple,fire_number_4_0_pct_couple,median_household_income,income_data_year,fire_to_income_multiple
1,"San Francisco","San Francisco-Oakland-Fremont, CA","CA",West,41860,13,4648486,2024,115.613,2024,80929,2023228,2312260,1721896,1416259,3034841,121394,3034841,135590,2024,14.92
2,"Miami","Miami-Fort Lauderdale-West Palm Beach, FL","FL",South,33100,6,6457988,2024,114.155,2024,79909,1997713,2283100,1700181,1398399,2996569,119863,2996569,80625,2024,24.78
3,"Los Angeles","Los Angeles-Long Beach-Anaheim, CA","CA",West,31080,2,12927614,2024,113.566,2024,79496,1987405,2271320,1691409,1391184,2981108,119244,2981108,96405,2024,20.62
4,"New York","New York-Newark-Jersey City, NY-NJ","NY-NJ",Northeast,35620,1,19940274,2024,112.563,2024,78794,1969853,2251260,1676470,1378897,2954779,118191,2954779,99852,2024,19.73
5,"San Diego","San Diego-Chula Vista-Carlsbad, CA","CA",West,41740,18,3298799,2024,111.887,2024,78321,1958023,2237740,1666402,1370616,2937034,117481,2937034,109132,2024,17.94
6,"Seattle","Seattle-Tacoma-Bellevue, WA","WA",West,42660,15,4145494,2024,111.133,2024,77793,1944828,2222660,1655172,1361379,2917241,116690,2917241,112388,2024,17.30
7,"Honolulu","Urban Honolulu, HI","HI",West,46520,56,998747,2024,110.961,2024,77673,1941818,2219220,1652611,1359272,2912726,116509,2912726,105205,2024,18.46
8,"Oxnard","Oxnard-Thousand Oaks-Ventura, CA","CA",West,37100,75,835427,2024,110.534,2024,77374,1934345,2210680,1646251,1354042,2901518,116061,2901518,114238,2024,16.93
9,"San Jose","San Jose-Sunnyvale-Santa Clara, CA","CA",West,41940,36,1995484,2024,110.423,2024,77296,1932403,2208460,1644598,1352682,2898604,115944,2898604,164801,2024,11.73
10,"Washington","Washington-Arlington-Alexandria, DC-VA-MD-WV","DC-VA-MD-WV",South,47900,7,6436489,2024,108.884,2024,76219,1905470,2177680,1621677,1333829,2858205,114328,2858205,126244,2024,15.09
11,"Boston","Boston-Cambridge-Newton, MA-NH","MA-NH",Northeast,14460,11,5025517,2024,108.266,2024,75786,1894655,2165320,1612472,1326259,2841983,113679,2841983,117825,2024,16.08
12,"Bridgeport","Bridgeport-Stamford-Danbury, CT","CT",Northeast,14860,58,972679,2024,106.864,2024,74805,1870120,2137280,1591591,1309084,2805180,112207,2805180,116402,2024,16.07
13,"Sacramento","Sacramento-Roseville-Folsom, CA","CA",West,40900,27,2463127,2024,106.67,2024,74669,1866725,2133400,1588702,1306708,2800088,112004,2800088,98775,2024,18.90
14,"Riverside","Riverside-San Bernardino-Ontario, CA","CA",West,40140,12,4744214,2024,106.442,2024,74509,1862735,2128840,1585306,1303915,2794103,111764,2794103,91013,2024,20.47
15,"Denver","Denver-Aurora-Centennial, CO","CO",West,19740,19,3052498,2024,105.782,2024,74047,1851185,2115640,1575477,1295830,2776778,111071,2776778,108046,2024,17.13
16,"Portland","Portland-Vancouver-Hillsboro, OR-WA","OR-WA",West,38900,26,2537904,2024,105.421,2024,73795,1844868,2108420,1570100,1291407,2767301,110692,2767301,98994,2024,18.64
17,"Minneapolis","Minneapolis-St. Paul-Bloomington, MN-WI","MN-WI",Midwest,33460,16,3757952,2024,104.822,2024,73375,1834385,2096440,1561179,1284070,2751578,110063,2751578,97928,2024,18.73
18,"Baltimore","Baltimore-Columbia-Towson, MD","MD",South,12580,22,2859024,2024,104.487,2024,73141,1828523,2089740,1556189,1279966,2742784,109711,2742784,98666,2024,18.53
19,"Chicago","Chicago-Naperville-Elgin, IL-IN","IL-IN",Midwest,16980,3,9408576,2024,103.595,2024,72517,1812913,2071900,1542904,1269039,2719369,108775,2719369,90770,2024,19.97
20,"Phoenix","Phoenix-Mesa-Chandler, AZ","AZ",West,38060,10,5186958,2024,103.316,2024,72321,1808030,2066320,1538749,1265621,2712045,108482,2712045,90133,2024,20.06
21,"Dallas","Dallas-Fort Worth-Arlington, TX","TX",South,19100,4,8344032,2024,103.09,2024,72163,1804075,2061800,1535383,1262853,2706113,108245,2706113,92733,2024,19.45
22,"Hartford","Hartford-West Hartford-East Hartford, CT","CT",Northeast,25540,50,1169048,2024,102.746,2024,71922,1798055,2054920,1530260,1258639,2697083,107883,2697083,94419,2024,19.04
23,"Philadelphia","Philadelphia-Camden-Wilmington, PA-NJ-DE-MD","PA-NJ-DE-MD",Northeast,37980,9,6330422,2024,102.554,2024,71788,1794695,2051080,1527400,1256287,2692043,107682,2692043,90850,2024,19.75
24,"Worcester","Worcester, MA","MA",Northeast,49340,68,881248,2024,102.523,2024,71766,1794153,2050460,1526938,1255907,2691229,107649,2691229,96602,2024,18.57
25,"North Port","North Port-Bradenton-Sarasota, FL","FL",South,35840,61,934956,2024,102.417,2024,71692,1792298,2048340,1525360,1254608,2688446,107538,2688446,82106,2024,21.83
26,"Cape Coral","Cape Coral-Fort Myers, FL","FL",South,15980,72,860959,2024,102.349,2024,71644,1791108,2046980,1524347,1253775,2686661,107466,2686661,83602,2024,21.42
27,"Fresno","Fresno, CA","CA",West,23420,48,1189557,2024,102.158,2024,71511,1787765,2043160,1521502,1251436,2681648,107266,2681648,74983,2024,23.84
28,"Providence","Providence-Warwick, RI-MA","RI-MA",Northeast,39300,39,1700901,2024,101.773,2024,71241,1781028,2035460,1515768,1246719,2671541,106862,2671541,82870,2024,21.49
29,"Orlando","Orlando-Kissimmee-Sanford, FL","FL",South,36740,20,2940513,2024,101.418,2024,70993,1774815,2028360,1510481,1242371,2662223,106489,2662223,81044,2024,21.90
30,"Charleston","Charleston-North Charleston, SC","SC",South,16700,71,869940,2024,100.962,2024,70673,1766835,2019240,1503689,1236785,2650253,106010,2650253,90307,2024,19.56
31,"Tampa","Tampa-St. Petersburg-Clearwater, FL","FL",South,45300,17,3424560,2024,100.89,2024,70623,1765575,2017800,1502617,1235903,2648363,105935,2648363,78275,2024,22.56
32,"Bakersfield","Bakersfield-Delano, CA","CA",West,12540,63,922529,2024,100.886,2024,70620,1765505,2017720,1502557,1235854,2648258,105930,2648258,71596,2024,24.66
33,"Salt Lake City","Salt Lake City-Murray, UT","UT",West,41620,46,1300762,2024,100.868,2024,70608,1765190,2017360,1502289,1235633,2647785,105911,2647785,100548,2024,17.56
34,"Detroit","Detroit-Warren-Dearborn, MI","MI",Midwest,19820,14,4400578,2024,100.298,2024,70209,1755215,2005960,1493800,1228651,2632823,105313,2632823,76403,2024,22.97
35,"Las Vegas","Las Vegas-Henderson-North Las Vegas, NV","NV",West,29820,29,2398871,2024,100.215,2024,70151,1753763,2004300,1492564,1227634,2630644,105226,2630644,80028,2024,21.91
36,"Atlanta","Atlanta-Sandy Springs-Roswell, GA","GA",South,12060,8,6411149,2024,100.058,2024,70041,1751015,2001160,1490226,1225711,2626523,105061,2626523,92344,2024,18.96
37,"Allentown","Allentown-Bethlehem-Easton, PA-NJ","PA-NJ",Northeast,10900,66,886418,2024,99.968,2024,69978,1749440,1999360,1488885,1224608,2624160,104966,2624160,83974,2024,20.83
38,"Albany","Albany-Schenectady-Troy, NY","NY",Northeast,10580,65,913485,2024,99.566,2024,69696,1742405,1991320,1482898,1219684,2613608,104544,2613608,86637,2024,20.11
39,"Jacksonville","Jacksonville, FL","FL",South,27260,38,1760548,2024,99.484,2024,69639,1740970,1989680,1481677,1218679,2611455,104458,2611455,82053,2024,21.22
40,"Houston","Houston-Pasadena-The Woodlands, TX","TX",South,26420,5,7796182,2024,98.629,2024,69040,1726008,1972580,1468943,1208205,2589011,103560,2589011,81417,2024,21.20
41,"Boise City","Boise City, ID","ID",West,14260,74,845877,2024,98.391,2024,68874,1721843,1967820,1465398,1205290,2582764,103311,2582764,88695,2024,19.41
42,"Raleigh","Raleigh-Cary, NC","NC",South,39580,41,1562009,2024,98.157,2024,68710,1717748,1963140,1461913,1202423,2576621,103065,2576621,102144,2024,16.82
43,"Austin","Austin-Round Rock-San Marcos, TX","TX",South,12420,25,2550637,2024,98.066,2024,68646,1716155,1961320,1460557,1201309,2574233,102969,2574233,99897,2024,17.18
44,"Virginia Beach","Virginia Beach-Chesapeake-Norfolk, VA-NC","VA-NC",South,47260,37,1794278,2024,97.941,2024,68559,1713968,1958820,1458696,1199777,2570951,102838,2570951,82402,2024,20.80
45,"Richmond","Richmond, VA","VA",South,40060,44,1370165,2024,97.858,2024,68501,1712515,1957160,1457460,1198761,2568773,102751,2568773,83460,2024,20.52
46,"Charlotte","Charlotte-Concord-Gastonia, NC-SC","NC-SC",South,16740,21,2883370,2024,97.348,2024,68144,1703590,1946960,1449864,1192513,2555385,102215,2555385,85938,2024,19.82
47,"Lakeland","Lakeland-Winter Haven, FL","FL",South,29460,73,852878,2024,97.141,2024,67999,1699968,1942820,1446781,1189977,2549951,101998,2549951,66779,2024,25.46
48,"Rochester","Rochester, NY","NY",Northeast,40380,54,1057218,2024,97.035,2024,67925,1698113,1940700,1445202,1188679,2547169,101887,2547169,76453,2024,22.21
49,"Milwaukee","Milwaukee-Waukesha, WI","WI",Midwest,33340,40,1574452,2024,96.937,2024,67856,1696398,1938740,1443743,1187478,2544596,101784,2544596,77919,2024,21.77
50,"Tucson","Tucson, AZ","AZ",West,46060,52,1080149,2024,96.896,2024,67827,1695680,1937920,1443132,1186976,2543520,101741,2543520,72067,2024,23.53
51,"Nashville","Nashville-Davidson--Murfreesboro--Franklin, TN","TN",South,34980,35,2150553,2024,96.338,2024,67437,1685915,1926760,1434821,1180141,2528873,101155,2528873,88800,2024,18.99
52,"Buffalo","Buffalo-Cheektowaga, NY","NY",Northeast,15380,51,1160172,2024,95.844,2024,67091,1677270,1916880,1427464,1174089,2515905,100636,2515905,72300,2024,23.20
53,"Indianapolis","Indianapolis-Carmel-Greenwood, IN","IN",Midwest,26900,33,2174833,2024,95.696,2024,66987,1674680,1913920,1425260,1172276,2512020,100481,2512020,80239,2024,20.87
54,"Grand Rapids","Grand Rapids-Wyoming-Kentwood, MI","MI",Midwest,24340,49,1178826,2024,95.546,2024,66882,1672055,1910920,1423026,1170439,2508083,100323,2508083,81541,2024,20.51
55,"Albuquerque","Albuquerque, NM","NM",West,10740,62,926303,2024,95.546,2024,66882,1672055,1910920,1423026,1170439,2508083,100323,2508083,76097,2024,21.97
56,"Columbus","Columbus, OH","OH",Midwest,18140,32,2225377,2024,95.469,2024,66828,1670708,1909380,1421879,1169495,2506061,100242,2506061,82938,2024,20.14
57,"Cincinnati","Cincinnati, OH-KY-IN","OH-KY-IN",Midwest,17140,30,2302815,2024,95.37,2024,66759,1668975,1907400,1420404,1168283,2503463,100139,2503463,81489,2024,20.48
58,"St. Louis","St. Louis, MO-IL","MO-IL",Midwest,41180,23,2811927,2024,95.088,2024,66562,1664040,1901760,1416204,1164828,2496060,99842,2496060,81679,2024,20.37
59,"San Antonio","San Antonio-New Braunfels, TX","TX",South,41700,24,2763006,2024,94.716,2024,66301,1657530,1894320,1410664,1160271,2486295,99452,2486295,78112,2024,21.22
60,"Pittsburgh","Pittsburgh, PA","PA",Northeast,38300,28,2429917,2024,94.671,2024,66270,1656743,1893420,1409994,1159720,2485114,99405,2485114,77214,2024,21.46
61,"Cleveland","Cleveland, OH","OH",Midwest,17410,34,2171877,2024,93.923,2024,65746,1643653,1878460,1398853,1150557,2465479,98619,2465479,72532,2024,22.66
62,"Columbia","Columbia, SC","SC",South,17900,70,870193,2024,93.662,2024,65563,1639085,1873240,1394966,1147360,2458628,98345,2458628,70788,2024,23.15
63,"Greenville","Greenville-Anderson-Greer, SC","SC",South,24860,57,996680,2024,93.26,2024,65282,1632050,1865200,1388979,1142435,2448075,97923,2448075,75881,2024,21.51
64,"Louisville","Louisville/Jefferson County, KY-IN","KY-IN",South,31140,43,1394234,2024,93.074,2024,65152,1628795,1861480,1386209,1140157,2443193,97728,2443193,74305,2024,21.92
65,"New Orleans","New Orleans-Metairie, LA","LA",South,35380,59,966230,2024,92.597,2024,64818,1620448,1851940,1379104,1134313,2430671,97227,2430671,62373,2024,25.98
66,"Knoxville","Knoxville, TN","TN",South,28940,60,957608,2024,92.569,2024,64798,1619958,1851380,1378687,1133970,2429936,97197,2429936,74184,2024,21.84
67,"Kansas City","Kansas City, MO-KS","MO-KS",Midwest,28140,31,2253579,2024,92.543,2024,64780,1619503,1850860,1378300,1133652,2429254,97170,2429254,83785,2024,19.33
68,"Memphis","Memphis, TN-MS-AR","TN-MS-AR",South,32820,45,1339345,2024,92.179,2024,64525,1613133,1843580,1372879,1129193,2419699,96788,2419699,68124,2024,23.68
69,"Omaha","Omaha, NE-IA","NE-IA",Midwest,36540,55,1001010,2024,91.911,2024,64338,1608443,1838220,1368887,1125910,2412664,96507,2412664,84524,2024,19.03
70,"Birmingham","Birmingham, AL","AL",South,13820,47,1192583,2024,91.644,2024,64151,1603770,1832880,1364911,1122639,2405655,96226,2405655,74954,2024,21.40
71,"Baton Rouge","Baton Rouge, LA","LA",South,12940,67,882652,2024,90.78,2024,63546,1588650,1815600,1352043,1112055,2382975,95319,2382975,69293,2024,22.93
72,"Oklahoma City","Oklahoma City, OK","OK",South,36420,42,1497821,2024,90.408,2024,63286,1582140,1808160,1346502,1107498,2373210,94928,2373210,72930,2024,21.69
73,"El Paso","El Paso, TX","TX",South,21340,69,879392,2024,89.912,2024,62938,1573460,1798240,1339115,1101422,2360190,94408,2360190,59834,2024,26.30
74,"Tulsa","Tulsa, OK","OK",South,46140,53,1059803,2024,89.214,2024,62450,1561245,1784280,1328719,1092872,2341868,93675,2341868,69658,2024,22.41
75,"McAllen","McAllen-Edinburg-Mission, TX","TX",South,32580,64,914820,2024,85.895,2024,60127,1503163,1717900,1279287,1052214,2254744,90190,2254744,56720,2024,26.50