Washington, DC: $83,104

Income needed: $83,104

50 percent for necessities: $41,552

30 percent for discretionary spending: $24,931

20 percent for savings: $16,621

Based on the District's median income of $69,235, locals' earnings are $13,869 below the amount needed to live well in the nation's capital, a deficit of $1,156 a month.