Virginia Beach, VA: $50,929

Income needed: $50,929

50 percent for necessities: $25,465

30 percent for discretionary spending: $15,279

20 percent for savings: $10,186

Low costs of living make it easy to live on Virginia Beach's median income of $67,001. This amount is $16,072 more than what is needed to live comfortably — the equivalent of an extra $1,340 a month — which is the biggest surplus of any major U.S. city in this study.