Coast FIRE by Location

How geography impacts your Coast FIRE journey and location-specific strategies for financial independence.

Cost of Living Impact

Your location can dramatically affect both how much you need to save and how quickly you can reach Coast FIRE.

Location Cost Comparison

High-Cost Areas

  • • New York City: 2.2x national average
  • • San Francisco: 2.3x national average
  • • Boston: 1.7x national average
  • • Seattle: 1.6x national average

Low-Cost Areas

  • • Memphis: 0.8x national average
  • • Oklahoma City: 0.8x national average
  • • Pittsburgh: 0.9x national average
  • • San Antonio: 0.9x national average

Note: Cost multipliers are approximate and subject to change

A $1 million retirement portfolio might provide a comfortable lifestyle in some areas while being insufficient in others. Understanding these geographic differences is crucial for accurate Coast FIRE planning.

Coast FIRE in US Cities

Coast FIRE in New York

Achieving Coast FIRE in one of the most expensive cities in the US

Coming soon

Coast FIRE in California

Strategies for Coast FIRE in high-cost West Coast locations

Coming soon

Coast FIRE in Texas

How no state income tax and lower cost of living impacts Coast FIRE

Coming soon

Coast FIRE in Florida

Retirement-friendly policies and Coast FIRE in the Sunshine State

Coming soon

International Coast FIRE

Coast FIRE in Canada

Healthcare benefits and considerations for Coast FIRE in Canada

Coming soon

Coast FIRE Abroad

International options for stretching your Coast FIRE savings

Coming soon

Location Strategies

Coast FIRE Geographic Arbitrage

Earning in high-cost areas and retiring in lower-cost locations

Coming soon

Coast FIRE in High-Cost Cities

Is Coast FIRE possible in expensive metropolitan areas?

Coming soon

Coast FIRE in Low-Cost Areas

Accelerating your path to financial independence in affordable regions

Coming soon

Why Location Matters for Coast FIRE

Your geographic location impacts virtually every aspect of your Coast FIRE journey:

  • Housing costs can vary by 300% or more between different regions
  • State income taxes range from 0% to over 13%
  • Healthcare costs and accessibility differ dramatically by location
  • Transportation expenses vary based on public transit availability
  • Food, utilities, and entertainment costs fluctuate by region

By understanding these geographic variations, you can optimize your Coast FIRE strategy—whether that means earning in a high-income area and retiring elsewhere, or finding the perfect balance of cost and quality of life from the start.