Baltimore, MD: $53,897 

Income needed: $53,897

50 percent for necessities: $26,949

30 percent for discretionary spending: $16,169

20 percent for savings: $10,779

The median household income in Baltimore is $41,819, but the city's high cost of living requires $12,078 more than that for a person to live comfortably according to a 50-30-20 budget.