FIRE Number & Cost of Living in California

Explore FIRE baselines across 23 cities in California. State taxes affect your take-home, so we show local tax context for each city. Find your target and compare retirement timelines.

Cities covered
23
Avg FIRE target
$1,880,425
Avg annual cost
$75,217

All cities in California

Ranked by cost of living. Pick a city to see detailed FIRE calculations, tax context, and retirement scenarios specific to that location.

🇺🇸
San Francisco, CA
$110,000/year baseline
$2,750,000 FIRE target
🇺🇸
Palo Alto, CA
$98,000/year baseline
$2,450,000 FIRE target
🇺🇸
San Jose, CA
$96,000/year baseline
$2,400,000 FIRE target
🇺🇸
Los Angeles, CA
$88,000/year baseline
$2,200,000 FIRE target
🇺🇸
Irvine, CA
$88,000/year baseline
$2,200,000 FIRE target
🇺🇸
Oakland, CA
$84,000/year baseline
$2,100,000 FIRE target
🇺🇸
Long Beach, CA
$82,000/year baseline
$2,050,000 FIRE target
🇺🇸
Santa Barbara, CA
$82,000/year baseline
$2,050,000 FIRE target
🇺🇸
Berkeley, CA
$82,000/year baseline
$2,050,000 FIRE target
🇺🇸
San Diego, CA
$78,000/year baseline
$1,950,000 FIRE target
🇺🇸
Anaheim, CA
$78,000/year baseline
$1,950,000 FIRE target
🇺🇸
Glendale, CA
$78,000/year baseline
$1,950,000 FIRE target
🇺🇸
Pasadena, CA
$76,000/year baseline
$1,900,000 FIRE target
🇺🇸
Santa Ana, CA
$72,000/year baseline
$1,800,000 FIRE target
🇺🇸
Ventura, CA
$72,000/year baseline
$1,800,000 FIRE target
🇺🇸
Monterey, CA
$72,000/year baseline
$1,800,000 FIRE target
🇺🇸
Santa Rosa, CA
$70,000/year baseline
$1,750,000 FIRE target
🇺🇸
Sacramento, CA
$64,000/year baseline
$1,600,000 FIRE target
🇺🇸
Riverside, CA
$62,000/year baseline
$1,550,000 FIRE target
🇺🇸
Stockton, CA
$54,000/year baseline
$1,350,000 FIRE target
🇺🇸
Modesto, CA
$50,000/year baseline
$1,250,000 FIRE target
🇺🇸
Bakersfield, CA
$48,000/year baseline
$1,200,000 FIRE target
🇺🇸
Fresno, CA
$46,000/year baseline
$1,150,000 FIRE target

Calculate your FIRE date for any city in California

Use the full calculator to model your specific income, savings rate, and taxes to get an exact retirement date.

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